Pay the old-age insurance according to the deposit base of 7,500 yuan per month. The funds credited to the personal account every month are 8% of the social security payment base, and the funds credited to the personal account every month are 600 yuan. Because the deposit base needs to change constantly, the average monthly income of employees in the previous year released every year is different, and the deposit base needs to change at any time, so it is difficult to calculate an accurate old-age insurance.
Endowment insurance is comprehensively calculated based on the payment base, payment period, individual account fund balance and the average monthly income of employees in the previous year. Even if the deposit base remains unchanged, it will always maintain the level of 7500 yuan per month, and the payment will be 15 or 20 years, so it will be impossible to calculate without this information for 30 years. But we can make a simple calculation by assuming simulation. For example, your average contribution index salary is 7500 yuan per month, and the average monthly income of employees in the last year after retirement is 9000 yuan, which is calculated according to the contribution 15 to 30 years.
Payment 15 years, the balance of personal account funds is 108000 yuan, plus the corresponding interest on funds, the total amount of personal account may be about120000 yuan, the pension for each year of payment is about 83 yuan, and the monthly pension for payment is 1245 yuan; Personal account pension insurance is 863 yuan, so the monthly pension insurance is 2 108 yuan.
If the payment has been completed for 30 years, and other data and information remain unchanged, the monthly pension is 2,490 yuan or 83 yuan per year, which is exactly double the payment of 15 years. After 30 years of payment, the balance of personal account funds is defined as doubling. The total personal account is 2 1.6 million yuan, and the corresponding interest on funds can reach about 250,000 yuan. The monthly pension insurance premium of personal account is 1798.56 yuan, and the total monthly pension insurance premium is 4288.56 yuan. This pension insurance level is obviously high, which seems to be a double definition.
However, in the process of operation, all kinds of data and information are changing at any time. First, the deposit base will change every year. If the future payment is kept at 100%, the future average deposit base will be higher than 7500 yuan. Second, with the change of the deposit base, the personal account assets, whether 15, will increase after 30 years; Third, it is unknown whether the payment period can reach several years; Fourth, the average monthly income of employees will change in the last year, and it is likely to far exceed the level of 9000 yuan per month in the future. After all, economic development is developing every year. But in general, the change of this information will be higher than your current monthly payment base of 7500 yuan, but it does not rule out personal financial difficulties. It is quite possible to pay 60%. If you pay 60%, your average contribution index salary will not reach an average of 7500 yuan in the future.
Generally speaking, the monthly endowment insurance payment is 1.500 yuan, and the payment base is 7,500 yuan per month according to the payment ratio of 20%. At present, this payment base can reach 1.20% to 1.30% in many places. If you retire at the age of 60 and pay 65438+2005, there will be no problem if the endowment insurance premium exceeds 2000 yuan. If you pay for 30 years, the old-age insurance premium will exceed 4000 yuan in the future.