Check it quickly! How much pension can be ＂one-click calculation＂
(Reporter Dai Lili) Recently, the national social insurance public service platform was put into trial operation, and the insured can calculate how much pension they can receive in the future.
The website of the national social insurance public service platform is http://si.12333.gov.cn. The platform can provide social security annual enrollment information inquiry, treatment qualification authentication, pension calculation, social security relationship transfer inquiry, remote medical inquiry, overseas exemption application, social security card and electronic social security card status inquiry, etc., all of which are national and cross-regional services.
The website platform provides two registration methods, one is according to the ID number, and the other is according to the social security card and social security bank card.
Many people are puzzled that they have to pay hundreds or even thousands of dollars a month to pay the old-age insurance, but how much will they get when they retire in the future? Can "capital" be recovered? People really want to make a "one-click generation" through a ready-made calculation program to know the amount of their retirement pension. However, the prediction of pension is very difficult, the calculation formula is extremely complicated, and it is closely related to variables such as social wage, personal wage and interest rate. Under the condition that these factors are still unknown, it is almost impossible to calculate pension. Therefore, many calculators that can be searched online only calculate the payment amount, and it is difficult to find one that can accurately estimate the pension benefits. The official measurement service provides convenience for people.
It is reported that the platform will first provide the functions of social security annual enrollment information inquiry, treatment qualification authentication, pension calculation, social security relationship transfer inquiry, medical consultation in different places, overseas exemption application, social security card and electronic social security card status inquiry, etc., to achieve nationwide cross-regional services.
illustrate
Zhang, female, 35 years old, retired at the age of 55, and has paid for 11 years. "Average contribution wage index in previous years", in layman’s terms, is the ratio between one’s own salary and the social average salary. Because Zhang’s monthly salary level is generally about twice the social average salary, this index is assumed to be "2". At the end of last year, the personal account deposit amount can be found in her social security statement. Zhang’s current deposit amount is 107,519 yuan, and the "average monthly salary of employees in Beijing last year" is 7,855 yuan.
Then you need to fill in two forecast information: "average wage growth rate of employees in the future" and "future personal account bookkeeping rate". Because the average wage growth rate of employees released by Beijing Municipal Bureau of Statistics in recent years varies from high to low, reaching close to 18% at high time and just over 4% at low time, the "average wage growth rate of employees in the future" here is assumed to be 8%. "Future personal account bookkeeping rate" refers to the interest generated by the accumulated storage amount of personal accounts of endowment insurance. This bookkeeping interest rate should be determined with reference to the local average wage growth rate of employees in the previous year, the bank’s resident time deposit interest rate, the actual income from the operation of the endowment insurance fund and other factors. For example, the annual bookkeeping interest rate in 2016 is 8.31%, and the annual bookkeeping interest rate in 2017 is 7.12%. Let’s assume that this figure is 8%.
After all this information is input, the system gives the pension budget results. Zhang will retire in 2039, and his basic pension is about 19,123 yuan, including 9,702 yuan for basic pension, 9,421 yuan for personal account pension and 0 yuan for transitional pension.
It must be emphasized that these calculations are only made under the simulation hypothesis of multiple variables. The actual amount shall be calculated by the local social security agency at the time of retirement.