While enjoying flexibility, flexible workers also face some social security issues, especially pension insurance. This makes many people wonder how much pension they can receive after retirement after 15 years of flexible employment and payment of 10,190 yuan of pension insurance premiums? Here is a rough estimate of the calculation method based on Sichuan Province, but it should be noted that the actual calculation will be affected by a variety of factors, and the following is only a rough estimate.
Payment amount: 10,190 yuan per year.
Payment period: 15 years.
Payment base: 60% grade, assuming that the payment base is temporarily 4246 yuan.
Monthly payment: 10190 yuan 12 = 849$2.
The pension is mainly composed of the following two parts:
1.Basic pension: related to the number of years of individual contributions and the average salary of the local society (average wage).
2.Personal account pension: related to the amount of personal contributions and interest income.
Retirement salary in the previous year: Assuming that the average salary increases by 5% every year, the average salary after 15 years will be 7076 yuan * 1 + 5%) 15.
Average payment index: Since the payment is made according to the 60% grade, the average payment index is 06。
The formula for calculating the basic pension is: basic pension = average salary of the previous year of retirement * 1 + average contribution index of the person) 2 * number of years of contribution.
Taking the pension calculation base of Sichuan Province in 2023 as a reference of 8,079 yuan, if the average salary reaches 14,710 yuan (estimated) after 15 years, the basic pension is calculated as follows:
Basic pension = 14,710 yuan * 1 + 06) 2 * 15 years = 1765 yuan (here it is estimated at 12%, the actual situation may vary).
The personal account pension depends on the amount of personal contributions and interest income. No specific interest calculation method is provided here, so it is calculated based on the amount of the contribution.
Accumulated amount in personal account = annual payment amount * payment period.
Personal account pension = amount accumulated in personal account The number of months expected to receive it after retirement (usually based on 139 months).
Calculated based on the amount of contributions provided:
Accumulated amount of personal account = 10,190 yuan * 15 years.
Personal account pension = (10,190 yuan * 15) 139,1107 yuan.
Add the basic pension and the personal account pension to get the estimated total pension benefits:
Total pension = basic pension + personal account pension.
Total pension = 1765 yuan + 1107 yuan 2872 yuan.
Therefore, according to the above assumptions and calculations, flexible employees can roughly receive a pension of 2,872 yuan per month after 15 years. The actual amount may vary due to factors such as interest income, policy adjustments, and changes in social average wages, so the above calculation can only be used as an approximate estimate, and the specific calculation method is subject to local regulations.