Quite often each of us hears the question: "How to calculate the pension?", Namely: how many rubles it is, but few know the correct answer.The fact is that this issue is very confusing.Each of us can only guess about how to calculate the pension.
First we need to get acquainted with the details of the calculation.Learn how to calculate pension - very simple, but it takes a little time.
pension is paid on a monthly basis until the end of human life, it is necessary to provide cash income residents who are old and have relevant work experience.There are different types of retirement: disability, old-age or survivor.These types of pension benefits accrued on a monthly basis, and their sum is established by the State (disability and survivor).Seniority, which is necessary to obtain the benefits, also depends on the type of work.
As is well known in our state pensions accrue to men 60 years of age, while women - 55 years.Himself calculate the amount of the monthly retirement income is difficult, but still possible.If we take the experience of 20 years for women, and for men - 25 years, the following formula, which will be shown in the example, you can calculate your retirement monthly income based on seniority.
pension is:
- main part: it sets the state itself, change the payments occur depending on age, disability or employment dependency rate.
- insurance part: it is set as a function of the whole amount of money pension capital.It is based include the estimated pension assets, and the amount of insurance premiums.
- funded part: it set depending on the amount of money made on voluntary choice.
How is the pension capital
In the pension salary includes all funds that accumulate in the course of work on a separate personal account.It is replenished by a tax that is withheld from each working citizen officially, that is - a payment for insurance premiums and other charges to the pension fund.
Since it is necessary to calculate the pension, taking into account all the possible enhancements need to take into account the fact that the pension can be increased by 10% or more, if you have work experience prior to 1991, according to the reform of the pension system payments.The calculation takes the number of years until 1991, and then the pros and multiplied by 1%.Increase the minimum wage by 10%, but not more than 20%.The resulting amount is added to the pension.
How to calculate the size of pension (old age)
your employer makes monthly 20% of the money from the amount of your salary for the future funding of your pension.All funds originally come to the pension fund.Consider the example of the calculation of pensions.
For example, you need to calculate the amount of old age pension, you are asked to PFR1 May 2012.All work experience is on May 1, 2012 for 30 years.The average monthly salary for the period amounted to 8,000 rubles.So how to calculate a pension on the calculator will not be easy, use this formula RP = SC * WP / ST * FFP and then compare the data.
SC - a factor of seniority, it is 55% for the length of service of 25 years.If the person worked 30 years, by the IC will be added 5% respectively 20% = 50 years.For both men and women, SC increases for each year from 0.1 to 0.75.
WP - it's earnings, which is calculated for any 5 consecutive years, on the basis of documents issued in the established order by your employer or public authority.
FFP - data on the average salary over the last month, which claims the government in 2012.
RFP - the average monthly salary set by the Russian Federation for the period of 5 years, that you will use to calculate the RR.
Following formula and comparing all the data, we can calculate the size of pension payments for a month or a year.
