The calculation method of pension is mainly divided into two types: employee pension and resident pension, and the calculation formula is different, but it is mainly composed of basic pension and personal account pension.
Suppose a 30-year-old employee Mr. A, the current monthly basic salary is 5,000 yuan, then he has to pay the pension insurance every month including the individual contribution part and the unit contribution part, as follows.
1.Individual payment: 5000x 8% = 400 RMB.
2.Unit payment: 5000x 16% = 800 RMB.
Suppose that Mr. A's salary rises at a rate of 5% in line with the increase in the average social wage. Then when Mr. A retired at the age of 60, he paid a total of 3190 thousand. In the first month after retirement, Mr. A receives a pension consisting of a personal account pension and a basic pension. The personal account pension is 3190,000 139 (the number of months corresponding to the age of 60) = 2,294 yuan. The calculation of the basic pension is (average social salary + indexed salary) 2x number of years of contribution x 1%. Among them, the indexed salary of the person is (the current salary of oneself and the current average salary) x the average social salary at the time of retirement. Assuming that the average social salary is 6,000 yuan, and Mr. A's indexed salary is 5,000:6,000 x 6,000 = 5,000 yuan, then the basic pension is (6,000 + 5,000) 2x35x1% = 1,735 yuan. Therefore, the total pension received by Mr. A in the first month after retirement is 4,529 yuan.
Please note that this is just a simple example and the actual situation may vary depending on various factors. In practice, it is recommended to calculate according to the specific local regulations and calculation methods.
Pensions