Starting in 2025, people can choose to postpone retirement. Postpone retirement for one month and pay an extra month of pension insurance, how much more can you get for your pension? Let's take a look at how much more pension you can receive after 15 years of social security contributions. Of course, if we are not willing to postpone retirement, we can also apply for early retirement, of course, not beyond the original retirement age.
How is the pension calculated?
The basic pension generated by participating in pension insurance mainly includes two parts, basic pension and personal account pension. In the case of a one-month postponement of retirement, the change goes like this:
(1) The formula for calculating the basic pension is:
At the time of retirement, the average salary of the previous year × (1 + the average contribution index of the person) ÷ 2× the number of years of contribution ×1%.
Most people who have paid social security for 15 years will choose the minimum base in order to save money. Even if the level of wages and benefits is low, even if the salary level is low, it will be paid according to the minimum base of 60%.
In addition, if the upper and lower limits of the pension insurance payment base for the current year are implemented from January 1, then the payment index of the current year is 0.6.
The average contribution index is 0.6, and if you pay for 15 years, you can receive 12% of the average social salary of the previous year of retirement. What if it is 15 years and 1 month of payment? You can receive 12.0667% of the average social salary of the previous year of retirement.
If the local average social salary is 6,000 yuan, 9,000 yuan and 12,000 yuan, the basic pension that can be received every month is 4 yuan, 6 yuan and 8 yuan.
(2) The personal account pension is equal to the balance of the personal account of the pension insurance ÷ the number of months determined by the retirement age.
The balance of the personal account of pension insurance is credited to the personal account according to 8% of the payment base, the higher the payment base, the longer the payment period, the higher the balance of the personal account.
For example, in areas where the current salary of social workers is about 7,000 yuan, the balance of personal accounts after 15 years of payment is almost 50,000 yuan.
If we postpone retirement for a month, the balance in our personal account will be able to accrue a certain amount of interest. Assuming that the accounting interest rate in 2025 is 2.4%, and the personal account balance is 50,000 yuan, the personal account balance can be increased by 100 yuan. If the personal account balance is 200,000 yuan, it is increased by 400 yuan.
If you pay according to the 60% base, assuming that the local 60% base is 4400 yuan, you can receive an additional 352 yuan per month in your personal account.
Assuming that it can be increased by 452 yuan, if the number of months is 139 months, the monthly personal account pension can receive 3.25 yuan.
The two parts are added together, and the monthly pension can be increased by 8~10 yuan.
There may be some people who feel that they have received a month's pension less, and they only receive 8~10 yuan more per month, which is a loss. But in fact, since we have a stable job, the employer provides a normal salary guarantee, and we also pay five social insurances and one housing fund. The total income is actually much higher than the pension of more than 1,000 yuan per month. In fact, if it is only one month, the various holidays and benefits that workers can enjoy such as paid annual leave can also achieve a smooth transition.
Two special circumstances will significantly increase pensions.
The first is the change in the average social wage that may result from retiring late. For example, if the retirement is postponed from 2025 to 2026, the average salary or calculation base used to calculate the pension will change, and it will generally be increased by a cut, so that the pension for late retirement will be higher. However, due to the annual pension adjustment, the difference in pension can actually be narrowed.
The second is the change in the number of months of pension payment. Retirement one month late may also lead to a change in the number of months counted. For example, if the number of months of retirement at age 60 is 139 months, the number of months at age 60 and 01 month will become 132 months. The balance of 50,000 yuan in the personal account becomes 50,452 yuan, and the pension will be 359.71 yuan into 382.2 yuan. In this way, the total pension can be increased by 278 yuan per month, and the return time will be greatly shortened.
In general, the postponement of retirement ensures the stability of employees' work, and also has a significant effect on the improvement of pensions. #养老保险制度#