当我们老了,每个月退休养老金能拿多少钱养老金怎么计算的

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According to the current laws and policies, women workers are 50 years old, female cadres are 55 years old, and men are 60 years old. They can go through retirement procedures and enjoy monthly retirement pensions according to law. So how is the retirement pension calculated? How much is it every month?

Pensions are usually made up of three parts, namely basic pensions, personal account pensions and transitional pensions. These three parts are calculated as follows:

First, the basic pension is: the average monthly salary of the employees on the post of the previous year (1+ personal average contribution index) ÷ 2 × the cumulative payment period (including the payment payment period) × 1%

Second, the personal account pension is: the cumulative storage of personal accounts at retirement, the number of months corresponding to the retirement age

Third, the transitional pension: the average monthly salary of employees on duty in the previous year × the same as the payment period) × 1.4%

When you reach the retirement age to apply for retirement, the calculation is based on the latest policy of the location.

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We need to calculate the amount of pension, we need to find these data first, generally can be found on the official website of the local statistical bureau: First, the average monthly salary of the employees in the last year of retirement, the general Ministry of Social Affairs will be around July Announce the average salary data; second, the average personal contribution index: the general estimate is 0.6; third, the cumulative payment period: how many years of pension insurance we pay; fourth, the cumulative storage of personal accounts at retirement: can go to the Human Resources and Social Security Bureau Fifth, the same as the payment period: refers to the number of years of work before the establishment of the personal account of the pension insurance, which can also be referred to the Human Resources and Social Security Bureau; sixth, the number of months of retirement age: according to the retirement age : 45 years old, 216 months, 50 years old, 195 months, 55 years old, 170 months, 60 years old, 139 months, 65 years old, 101 months; based on these figures, we can calculate the number we want to know.

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让我们举个例子来证明:自2004年以来,安徽省一位老张从社会保障局缴纳社会保险。他将于2019年6月退休,在社会保障方面只有15年,他将会退休咨询他自己的社会保障养老金。黄金账户余额为69,500元。我们

经查询,2018年安徽省职工平均月薪为6169.17元,支付期为15年,无效期间,个人养老金账户余额为69,500元,60年退休金为139;那么他的基本养老金是:6918.17×(1 + 0.6)/2×15×1%=492.75元;他的个人账户养老金=69,500÷139=500元;他的过渡性养老金是0元;然后他每月领取养老金=基本养老金+个人账户养老金+过渡养老金=992.75元。

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