How to independently recalculate a pension. How to calculate your individual pension coefficient for retirement

18.09.2019

In the Russian Federation, 2019 marked with significant changes, affecting the life of every person, and especially those who receive pension payments or expects for accruals in the future. The rules for accrualing a pension for senior citizens who have retired this year and for those plans to retire in the next year are changed. For those Russians who have already received the provision, there was a calculation on the new regulations.

Innovations in the accrual of pension payments

Every year there is indexation and other transformation in the world of legislation. The procedure for accrualing in old age pensions in 2018 was no exception. In the present period, the labor pension on the achievement of old age is directly due to the systematic and formats of insurance type contributions, which are paid by the employer for the commitmentary pension insurance system for all the time of his work.

In other words, when you are officially employed to work, the percentage of future pension is accrued in proportion to the tax that the company pays for you. That is why people who have not officially worked or they have a legally fixed less salary than they received in hand, are often unhappy with the size of the pension.

At the current formula today, it does not affect the number of working drifts.

Leveling calculation is the reason that labor pensions of people with a small length of labor are almost equal to providing people who have long. The changed procedure for accrualing in old age pensions is aimed at covering the salary and increase the influence of insurance experience in calculating the amount of pension provision.

Rules and indicators of accrual pension

The rules for accrual of pensions in old age involve the accounting of the exact indicators. If a person has worked for more than 15 years and has 30 IPCs, he can count on government financial support. Not the achievement of these indicators implies social benefits. Supplement will also be made to the level of subsistence minimum in a particular region. However, this rule will completely begin to operate only from 2025.

Choosing a suitable alternative to ensure, do not forget that the insurance experience is raised annually by the state on an ongoing basis. The accumulative type of pension is directly susceptible to the success of investment and its end result. Sometimes it may be unprofitable. Such an outcome assumes only guaranteed to pay previously paid insurance payments. Russians, since the year of birth of 1966 and older, will act exclusively insurance pension payments from the period 2018-2020.

Subtleties of payment and accrual of pension

All operating citizens of Russia, in compulsory pension insurance, are created retirement capital and insurance pensions that have varieties: for disability, old age and in the case of the loss of the breadwinner.

Payments from finance finances are distributed and paid in the form of a lump sum, urgent and cumulative part of the pension.

The right to receive the insurance type of pension have the following categories of citizens who:

Reached the relevant age: women - 60 years old, and men are 65 years old. Some citizens receive permission to accrual the insurance pension ahead of time;
Having a workshop in the form of 15 years of activity since 2024, however, this is a taxation of Article 35 of Law No. 400-FZ of December 28, 2013;
The personalities of High positions in the state from January 1, 2017 are applied. It will increase half a year annually to 63 years old by civil servants and 65 years old - men.
The having presence of a minimum number of insurance balls (30), taking into account Article 35 of Law No. 400-FZ of December 28, 2013.

Previously, the prepared pension rights were transformed without reducing pension points, which take note when appointing the insurance pension. Their number directly depends on the accrued and paid insurance premiums into the system of compulsory pension insurance and the duration of labor experience. For each worked year, when accrued by the employer or an employee of individually paid insurance payments for compulsory pension insurance, retirement rights are taken into account in the form of pension points.

Factors affecting the accrual of pension

The amount of and the procedure for accrualing pension has impacts such conditions:

number of years worked: financial support will be fundamentally added for any additionally worked out year after reaching the right age to obtain a pension;
the magnitude of the salary: the more she, the greater the pension. When the entrepreneur does not comply with the obligatory contributions for its employee in full, this money is not taken into account in the pension funds;
duration of employment experience: long-term experience allows us to count more retirement coefficients.

Savior of the years since 2019, in addition, includes:

passing military service and service equivalent to it;
time getting unemployment benefits;
the period of residence of spouses of military personnel in the area where it is impossible to find work;
care for older people from 80 years and disabled people of the first group;
caring for children to one and a half year old, however, the maximum until the sixth anniversary (maternity leave).

Due to changes, these periods that are inconsistent are already obtaining distinctive annual coefficients.

How to find out the correctness of the accrual of pension

Despite various changes, the state is trying to make it easier for innovations to understand people. At the moment, check the accrual of pensions can be implemented online on SNILS. The insurance number of an individual personal account (SNILS) has a personal code for 11 digits and acts as evidenced by the insurance of every Russian in the country's pension fund.

There are several ways to check the pension accrual:

independent application in the FIU: It is necessary to come to one of the departments of the Fund, request and obtain data on the first requirement;
online mode: Registration on the portal of public services and unhindered access to the network allows you to carry out the procedure at any time.

Check accrual in the pension fund

The official Internet resource of the Russian Federation of the Russian Federation includes a section "Personal Cabinet" of each registered person. It allows you to clarify the amount of the IPC and the length of the experience. In addition, information about labor places and contributions that made an employer contributed. The advantage of the SNILS check is the ability to print the received notice of the Personal Account.

Such a version of public services is very convenient, because there is no need to spend time on marching in state institutions. Despite the fact that the PF of the Russian Federation is obliged to provide individual applicant's individual data at once, but it is not possible to do everything as quickly as on the Internet due to constant queues.

From January 2015, the next conversion of pension rights was proved, now in pension points. For the first time after the Soviet period, the conversion of pension rights in Russia was produced in 2002 - to pension capital.

From January 1, 2015, on the basis of the laws of 28.12.2013, the insurance and accumulative parts of the old age pension became independent pensions.

We remind you that the accumulative pension is formed and is charged on the old principle (it still remains relevant only for citizens of 1967 births and younger), and the insurance pension is just calculated on the new formula - on the basis of pension points accumulated by a citizen during work activities. .

ATP \u003d FV × PC 1 + IPK × SPK × PC 2,

where the ATP is an insurance pension.

FV - fixed payment.

PC 1 is a premium coefficient to increase fixed payments at a later retirement.

IPC is an individual pension coefficient.

SEC - the cost of the pension coefficient at the time of retirement.

PC 2 is a premium coefficient to increase the individual pension coefficient, if a citizen continues to work, despite the onset of retirement age or other conditions for the emergence of the right to insurance pension.

To understand how a retirement retirement on a new formula is credited, we will consider what it is also presented and how its main components are calculated: a fixed payment (formerly basic part) and an individual retirement factor, as well as who will be eligible for premium coefficients.

So, with general concepts regarding how to calculate the future pension, we got acquainted. Now reveal this topic in more detail.

Fixed part of the insurance pension

To calculate the old age, you should be aware of the existence of the payment (hereinafter FV) to the insurance pension established by Art. 16 FZ "On Insurance Pensions" No. 400-FZ dated December 28, 2013. In 2019, payment was 5,334,19 rubles. This is a guaranteed minimum state for each Russian citizen of retirement age. Twice a year of FV indexed: February 1, taking into account the growth of consumer prices and April 1 - due to the revenues of the Pension Fund for the previous period. Propella Compensation in the legislation is spelled out as a possible, and the ability to define the Russian government.

Fixed payment for insurance pension for various categories of citizens, north pension

GR-non who have the right to ATP	Number of dependents	FV size (rub.) 1
Younger than 80 years and not having disability



We have reached 80 years or disabled of the 1st group



Younger than 80 years and not having disability, worked in the extreme north at least 15 years, insurance experience at least 20 and 25 years old in women and men, respectively



We have reached 80 years or disabled 1 groups, worked in extreme north at least 15 years, insurance experience at least 20 and 25 years old in women and men, respectively



Younger than 80 years and not having disability, worked in the extreme north at least 20 years, insurance experience at least 20 and 25 years old in women and men, respectively



We have reached 80 years or disabled 1 groups, worked in extreme north at least 20 years, insurance experience at least 20 and 25 years old in women and men, respectively



Work experience in agriculture for at least 30 years, not busy activities with mandatory pension insurance, live in rural areas 2

1 amounts rounded to hundredths of the ruble

Individual pension coefficient - the basis of the insurance pension

Individual pension coefficient (hereinafter referred to as IPCs) is an innovation in the practice of calculating pensions. He became the key component in the formula of secured old age. You can even say - the basis of the foundations for a citizen who wants to secure himself after retirement and to live with it worthy. The higher the Pension IIAP, the greater the chance to achieve this goal.

The IPC is determined at the time of registration of an old age pension and consists of the amount of annual pension coefficients (hereinafter referred to as the GPC) or pension points accrued by a citizen every year in the process of official work with the "white" salary. That is, for those years when employers have been transferred to the future pensioner insurance premiums.

The new pension legislation also determined other periods for which citizens will be accrued to pension points, and provided for the raising of IPC and FV - for the later execution of the implementation of pension law.

How a pension is charged in 2018 - 2019, is there any differences from the calculation in 2017

Now the formula for calculating the annual retirement coefficient looks like this:

GPK \u003d SSP / CMS × 10

In the calculation of the CCP, 3 quantities are involved:

The amount of insurance pension contributions from the annual income of a citizen (SSP).
The amount of insurance premiums in the amount of 16% of the maximum contribution to the payroll, annually established by the RF Government Resolutions (CCM).
Multiplier 10. It is introduced for the convenience of counting pension points. Also 10 is the maximum number of annual pension points that can be accrued to a citizen in the settlement year.

But 10 points for the estimated year, future retirees will be able to receive only since 2021. And only those who do not participate in the formation of their cumulative pension.

Maximum values \u200b\u200bof the pension coefficient by year

The year of appointment of pensions in old age	The maximum value of the IPC with deductions for a cumulative pension	The maximum value of the IPC without deductions to the accumulation pension

1 When calculating pension coefficients, the value is rounded up to three marks after the comma.

When calculating the old age pension pension points for all the years when insurance premiums from employers came to the employee to the fund of the obligatory pension fund, an individual pension coefficient is summed up and derived. The longer a citizen worked and the higher he had a wage, the higher his IPC. Accordingly, the higher the CIPC citizen, the higher its pension income.

IPK \u003d gpk 2015 + gpk 2016 + ... gpk 2030

where the GPC 2015 is the number of pension points earned by a citizen in 2015, Code of Civil Procedure 2016 - in 2016, etc.

Calculation of the individual coefficient: what years it is better to take

Let's try to solve my retirement yourself. As mentioned above, the annual pension coefficient is equal to the ratio of insurance pension deductions from the citizen's income for the year to the maximum insurance pension deductions established by the state in the settlement year multiplied by 10. For clarity, we give examples. But before we recall that the total amount of pension insurance premiums contributed to the employer to the employee equals 22% of its wages. Of them:

6% go to the so-called solid part of the Pension Fund, from which a fixed payment (basic part) of the insurance pension of pensioners is paid;
16% are intended for the formation of an employee's insurance pension, or, at his request, 10% of them go to insurance, and 6% - to the accumulative part.

Example of calculating the Code of Civil Code with the deduction pension of 16% of income

Citizen's salary in 2018 is 20,000 rubles. per month. The amount of insurance premiums that employer pays to the Pension Fund will be equal to: 20,000 rubles. × 12 months × 16% \u003d 38 400 rubles.

In 2019, the maximum contribution to the salary is 796,000 rubles. The amount of maximum insurance premiums from the income of the employee - 127 360 rubles.

GPK \u003d 38 400/127 360 × 10 \u003d 3,015

Annual pension coefficient of a citizen in 2019 will be 3.015 pension points.

An example of calculating the Code of Civil Procedure with an expenditure of an insurance pension of 10% of income

For clarity, take a citizen with the same salary for 2019. His employer deducts only 10% to the insurance pension, and the remaining 6% go to the cumulative. The amount of pension contributions to the insurance pension of a citizen for the year will be: 20,000 rubles. × 12 months × 10% \u003d 24 000 rub.

GPK \u003d 24 000/127 360 × 10 \u003d 1,884

Annual pension coefficient of a citizen in 2019 will be 1,884 pension points.

Since the size of future pensions directly depends on the value of the GIC, then the examples are visible - the formula for calculating pension points agitates for refusing to participate in the formation of a cumulative pension.

Additional pension points: how to check the correctness of the accrual

In addition to pension points, accrued by a working citizen for paying insurance pension contributions to his employer, when calculating the IPC, other periods are taken into account during which the pension contributions to the citizen were not paid. For each full calendar year, the CCC is charged under the following circumstances.

Care of one of the parents for a child up to 1.5 years (no more than 6 years in total):
- for 1st - gpk \u003d 1.8;
- for 2-M - GPK \u003d 3.6;
- For 3 or 4th - GPK \u003d 5.4.
Care for a child-disabled, for disabled I group, for a person over 80 years old - GPK \u003d 1.8.
Service in the army by call - GPK \u003d 1.8.

Ball value

The cost of 1 pension score in 2019 is 87.24 rubles. It will increase annually:

February 1 in accordance with the level of inflation over the past year.
On April 1, according to the formula in which such values \u200b\u200bare involved as the amount of revenues to the FIU budget in the form of insurance premiums and federal transfers.

Premium coefficients

Despite the fact that in Russia, the retirement age comes much earlier than in most other countries of the world, Russian legislators did not go along the way to increase the age strap for the onset of retirement rights in old age. But they laid in the formula for calculating the pension tools that stimulate people in their own accord to retire later.

If a citizen who achieved retirement age and the onset of pension rights, does not encroach on receipt of funds from the Pension Fund, that is, does not draw up an insurance pension, but continues to work, the legislation provides a coefficient of increasing fixed payments to the insurance pension (in our PC 1) and the increase coefficient Individual pension coefficient (PC 2).

Indicators of premium coefficients for the total months of voluntary delay in receipt of the pension

Number of months	The increase in IPC	The increase in profit factor









120 or more

According to the above indicators, it is not difficult to calculate that if a citizen will not issue an insurance pension for 10 years after the onset of the right to it, the FV will grow in 2.11, IPK is 2.32 times. And the inlets in old age, respectively, will grow almost 2.5 times.

Conversion to the points "old" pension rights

Citizens whose retirement age has come in 2015 or which will be achieved by several years later, worries: what will happen to their pension rights, which are still measured in rubles, and not in points. The same question worries people who are already receiving old age pension - after all, its further indexation will occur on the basis of pension balls that they seem to be.

The new pension legislation provided for the formula for which pension rights, formed before January 1, 2015, will also be translated into points:

PC \u003d sch / SPK

SC is the insurance part of the labor pension as of December 31, 2014 excluding the basic and accumulative parts.

SEC - the cost of the pension point at the time of retirement.

The resulting amount of points either will be an individual pension coefficient of a citizen if he is already a recipient of the insurance pension or retirement, for example, in 2019, or will be tiered together with subsequent annual pension coefficients for the withdrawal of IPCs.

How the samples are accrued

Let's return to the new pension formula:

ATP \u003d FV × PC 1 + IPK × SPK × PC 2

Now we know how its components are calculated, and we can learn an approximate size of the future pension.

Example 1. Retirement reaches retirement age

Citizen Ivanova reaches retirement age in 2017. In 2015, its pension rights were converted and amounted to 70 pension points. For 2015-2017, Ivanov will earn another 5 points.

Citizen Ivanova twice for 1 year was on leave to care for a child up to one and a half years. For the first child, she received 1.8 pension points, for the second - 3.6.

By additioning all pension points, we obtain IPCs of Citizens Ivanova by the time the right to design the insurance pension is 80.4 points.

Suppose that the minimum size of a fixed payment (FV) to the insurance pension in 2017 will be equal to 5,000 rubles, and the cost of the pension point (SEC) is 100 rubles. There are no grounds for the use of premium coefficients in Citizens, therefore, therefore, the formula for calculating its pension looks like this:

ATP \u003d FV + IPK × SPK

We consider insurance pension in old age Citizens Ivanova:

5 000 rubles. + 80.4 × 100 rubles. \u003d 13 040 rub.

Example 2. Exit to a well-deserved stay later the emergence of the right to insurance pension

Let's try to calculate the monthly income of the pensioner from the remote future. Consider a conditional and ideal version of the accrual of a decent pension on the new formula. After all, as legislators are assured, all their efforts and reforms are aimed at achieving a worthy standard of living of the Russian pensioner. So, we labeam on the new formula.

Citizen Petrov began labor activities in 2015 at the age of 17. Having worked for a year, he was called up to the army and served two years. For military service, he was accrued 3.6 pension points.

Citizen Ivanov received correspondent higher education and worked without interrupting the insurance experience before the retirement age and 5 years after the occurrence of the right to the insurance pension. A total of 48 years of insurance experience, he earned 400 pension points. Together with the "military" points, its IPCs amounted to 403.6 points.

Suppose that by the time of the release of a citizen Petrov, retired in 2063, taking into account all possible indexations of FV will be 20,000 rubles. But a citizen of Petrov 20 years worked in the extreme north, so his FV was increased by 30% and is 26,000 rubles.

Petrov's premium coefficients for 5 years voluntary delay of pensions are: to a fixed payment - 1.27, on an individual pension coefficient - 1.34.

The cost of the pension point in 2063 will be equal to 600 rubles.

We consider pension to the old age citizen of Petrov, taking into account premium coefficients:

26 000 rub. × 1.27 + 403.6 × 600 rub. × 1,34 \u003d 324 527,42 rub.

Of course, it is difficult to imagine what will happen to the ruble by 2063, but today it looks more than worthy.

It must be said that the presentation of pensions in Starostipo new formula is approximate. Not only in the second example, but also in the first. If you want to get a more accurate result - register on the Pension Fund's website of Russia. The PFR already has all the information about the pension rights formed today officially working or worked citizens, namely the number of years and months of insurance experience and the number of retirement balls already earned. This information can be viewed in the Personal Account of the Insured. Enter the additional information about the place of your current work and salary into the pension calculator, about other periods for which pension points are charged. Click the "Calculate" button - and find out the size of your pension. Plan a deserved rest based on the result obtained, - if he suits you. Or, if possible, take measures to increase the future pension. Now you know how it can be done.

Is it possible to count on a preferential pension now. If yes - how to calculate it

Whether the new pension reform assumes preferential pension provision, worries those who worked in harmful production, in the field of education, medicine, etc. Yes, today preferential pensions have been preserved.

It is quite natural that such citizens are also interested in how to calculate a preferential pension. Immediately, let's say that there are no particular differences in the calculation of a preferential pension on the calculation of the usual search, since the same formula is taken as the basis, its size is directly dependent on the amount of accumulated points, which are taken into account since 2015, the deductions are translated In the system of compulsory pension insurance, the formula is used:

IPO / NPO x 10

IPO - the size of individual pension deductions for the year,

NGOs - the normative amount of pension deductions for the year.

However, it will be much easier to do not deal with independent calculations, but to go to the site of the FIU and use the pension calculator existing there.

When calculating the conditional size of the insurance pension, the following figures of 2019 are used:

Fixed payment - 5334 rubles. 19 kopecks;
- 87.24 rub;
Maximum wages before the deduction of NDFLs taxed by insurance premiums - 95,833 rubles per month.

In 2019, about 1.5-2 million citizens will be released on retirement. However, more young people should not be dramatically and are already interested in future old age benefits. The pension calculator expects what amount a person will receive if he retires this year at the current wage and other parameters. It shows an approximate result.

The exact amount will be known after submitting an application for retirement and the calculation of all rights and benefits, you can always see it. A predetermined analysis helps to decide on future financial support in old age and create motivation for honest regular deductions to the retirement account.

Pension calculator on the site www.pfrf.ru

Calculation of pensions for the new formula Calculator online

Influencing factors

After the reform on the accrual of pension to influencing factors, IPC was added - an individual pension coefficient. It is easy to calculate it, introducing a salary into the form on the site before the deduction of NDFL. Other IPCs are called pension points. They affect old-age insurance allowances, which are calculated by multiplying the points on the price of one point in a particular year and the summation of these values.

Conditions for obtaining old-age benefits:

The presence of retirement age: from 55 years old women and from 60 - men.
A certain number of years of expertise to pay insurance premiums. Since 2024, this figure will reach 15 years.
Minimum number of pension points: 30.

Important: The number of points for the year is limited. In 2019, it is 8.7, and in 2021 - 10 for citizens who have no pension savings. Otherwise, other numbers appear: up to 6.25% in 2021.

It is worth remembering: The state regularly index the insurance pension, while the accumulative is in the NPF or the Criminal Code, depending on the desire of a citizen, and is not subject to indexation. Verified funds invest these funds in financially favorable projects, increasing the income of the client. If programs are failed, then the client remains to be hoped for the amount that has already made earlier.

What else is credited by IPK: individual cases

IPCs can accrue not only by labor experience, but also in some situations described in the law.

1.8 points are charged in one year of care for the next category of citizens:

invalid I group;
disabled child;
old men older than 80 years;
child up to 1.5 years (both parents).

1.8 is also charged in one year of service in the army. If the parent takes a year-old vacation for the care of the second child, then he is charged 3.6 points, and for the third and fourth - already 5.4.

The Pension Fund stimulates people to retire as much as possible, offering an increase in fixed payments and insurance monetary benefits by 36% and 45% of points, respectively, if a citizen appeals 5 years after receiving the right to ensure in old age. After 10 years, the fixed payout will grow in 2.11, and the insurance - at 2.32.

Military pension

Military pension also has its own formula for calculating:

50% x (size of the salary of military position and title + surplus for long service) + lowering coefficient x 3% (with service for more than 20 years per year, no more than 85%) + 2% (every year in case of not indexing money allowances) .

There are three types of military pensions:

in length of years;
by disability;
according to the loss of the breadwinner, relatives receive if he disappeared or died.

Important: If 20 years are not recruited, the pension is charged by mixed experience.

Fixed payment, its size in 2019

The size of a fixed payment in 2019 is 4982.90 rubles for persons who have reached the retirement age. Depending on the category of pensioners, it may vary:

7474.35 rubles for persons who have employment experience more than 15 years in the regions of the Far North, with an experience of 25 years - for men and 20 - for women.
9965.80 - for disabled I group.
4982.90 - for disabled groups of group II.
2491.45 - for persons with disabilities of the group III.
and some other categories, in accordance with the law of 28.12.2013 N 400-FZ.

The indexation of the fixed part occurs every year on February 1, taking into account the growth of inflation. From April 1, annually, the Government may consider the issue of its increase, based on the income of the FIU.

How is the insurance pension calculated in 2019?

Insurance pension includes four periods of earfitted funds:

up to 2002;
2002-2014;
after 2015;
other non-trap.

In 2019, the cost of one score is 81.49 rubles. It grows from year to year, taking into account indexation and inflation. Formula for calculating pension: the number of points multiply the cost of one and add fixed payment. Suppose, on account 70 points, then the insurance monetary allowance will be 70 x 81.49 + 4982 \u003d 10 686.3 rubles.

The number of points depends on the employment experience of a citizen and its deductions, while the other two indicators are established by the state annually and indexed.

Accumulative pension: size, sources and conditions for receipt

Since 2015, the accumulative pension (NP) ceases to be part of the work and becomes an independent view of old-age benefits. Its size depends on the duration of the payment period.

Formula for calculation: The amount of pension savings is divided by the number of the expected period of payment.

NP is formed in several ways:

The means deduce the employer throughout the work period of the employee: 22% of wages is 16% in the insurance part and 6% - in the accumulative one.
Partially or in full, you can invest the maternity capital.
Participation in the co-financing program.

The insured person of the retirement age has the right to receive NP if its accumulation on the pension account is at least 5% in relation to the amount of the size of the inherry-based insurance benefit. A fixed payment and the size of the accumulative pension, which is considered as a state for its purpose is also taken into account. Otherwise, when the ratio is less than 5%, the citizen has the right to request a one-time payment when the accumulated amount is paid without monthly division.

In addition, a citizen receives NP regardless of receiving other monetary benefits.

How to check the amount of pension savings?

Previously, the information on pension savings reported by the FIU, and now the citizen himself can familiarize himself with them at any time:

online on the sites GosusLugi.ru and PFRF.RU, only the SNILS number will be required;
in the branches of the Foundation;
employees in branches of banks or ATMs: VTB, Sberbank, etc.

IMPORTANT: To create an account on the State Service portal, the number and series of passport will be required, as well as SNILS. After receiving access to the sections of the site, open the tab "Pension Fund of the Russian Federation" for further familiarization. In case of difficulties, the hotline will provide solutions to the problem. Number: 8 800 100-70-10.

The cost of the pension point for working retirees in 2019

About 10 million citizens are working retirees, and in 2019 the government can leave this category without pensions. These include persons who receive wages and deducting the fund, as well as self-employed. Pension payments from the beginning of 2019 increased by 3.7%. Accrual of the scores for labor experience is possible in the amount of no more than 3 and in the amount it is 244.47 rubles.

How to calculate a pension on a new pension calculator?

The Pension Calculator of the FIU allows you to calculate the online future pension and form your opinion how to adequately provide old age. It is not suitable for military personnel and security workers who do not have experience in hiring in civilian spheres.

All calculations are approximate, the exact figure will be obtained after the appeal of the appropriate application for a cash benefit, when all pension rights and benefits will be counted in each case. For simplicity of calculations, some factors are accepted for permanent, taking into account the fact that retiring will receive it in the current year.

Persons who worked in the districts of the Far North, caring for certain categories of citizens, have the right to increased benefits calculation coefficients.

Self-employed citizens should annually transfer 1% of the amount of at least 300,000 rubles into compulsory pension insurance.

The official website of the FIU presents a small questionnaire. You need to specify:

year of birth;
number of years call service;
number of planned children;
term of care for certain categories of citizens;
the period after the achievement of the retirement age, during which a person refuses to pay a cash benefit;
official salary;
type of work: self-employed or hired employee;
seniority.

After entering all the data, click the "Calculate" button.

On the Calculator page there is also a graph where you can consider the number of pension points, which can be obtained in 2019, taking into account the wages until the tax on the income of individuals (NDFL).

Let's sum up

The main task of an online calculator from the FIU to calculate the pension is to inform the public about the criteria that affect the provision of old age, and the motivation to raise the indications by an increase in social and labor activity. White salary, regular deductions, insurance experience and retirement age form its size.

Calculate manually all the benefits and rights for all life is quite difficult. Special algorithms will make it independently, given the various criteria, but their numbers are not accurate due to some permanent coefficients. You can find out the specific sizes after submitting an application for a retirement, where the FIU experts will calculate all the nuances in accordance with the law.