How do I know if my pension is paid. Harmful pension: useful information. Non-state pension funds
The size of the future pension is of concern to all users. However, people have difficulty trying to figure out complex formulas. Is there a possibility in advance calculate pension online without resorting to the help of specialists? When calculating points, the length of service is taken into account. Calculate pension online in 2019 year on our website using the official PFR calculator.
The procedure for calculating a pension
The insured person has an individual account to which payments are received. If you wish, you can determine the honesty of the employer. The absence of payments indicates that the user has no official income.
People who receive a "white" salary often perceive the results of calculations as objective data. To calculate the pension, you need to know the amount of the fixed payment. The state pays this amount to all applicants. The lack of funds in the Pension Fund has led to the fact that since 2015, payments are not made, intended for the formation of the funded part.
The reason for adjusting the size of the pension may be the presence of a disability or work in the Far North. It is necessary to take into account the working conditions of the person that allow him to receive increased payments. When determining a pension, a large number of parameters are used that require professional knowledge. They are quite difficult to use for simplified calculations.
To determine the exact amount, the help of a specialist is required. Calculate pension online self-employed people can also. A large number of people work exclusively for themselves. Entrepreneurs regularly make payments to the Pension Fund with a fixed payment.
To receive a pension, you must have worked for at least 8 years. In the future, the requirements for applicants will only get tougher. The length of service until 2014 will increase by one year. In 2017, the Pension Fund does not pay insurance pensions to applicants who could not earn 11.4 points. In 2025, it will be much more difficult for users to achieve budgetary funds.
Important! The figures obtained cannot be taken as accurate information about pension payments. It is impossible to put in the calculator all the parameters that are used by specialists when calculating payments.
Features of calculating payments according to the new formula
To more accurately calculate pension online it is necessary to take into account the factors that directly affect the amount of payments. When calculating payments, specialists pay attention to the presence of premium coefficients. How to use correctly online pension calculator and calculate approximate amount? The applicant needs to know the amount of the fixed payment and the value of the point. Be sure to double-check the information received, as these parameters change annually.
After the reform carried out in 2015, the procedure for calculating pensions was completely changed. Now the amount of payments is affected by the PKI, which depends on the amount of contributions. Funds are transferred from the employer to the account of the insured person. If desired, the user can enter his personal account to view all payments.
Now specialists of the Pension Fund use the following formula to calculate payments:
SP = IPK x SIPK x K + FV x K
- The joint venture represents insurance payments, which are charged at the onset of retirement age;
- IPK - the number of retirement points earned by a person;
- SIPK - the value of a point, which is regularly indexed by the state;
- K is the value of the bonus coefficients to which the elderly person is entitled;
- FV - a fixed payment guaranteed by the state.
Pension point value
What parameters need to be kept in new online pension calculator to calculate upcoming payments? The state strongly encourages people to retire later. After the 2015 reform, the concept of the basic part of payments disappeared. Instead, a fixed amount appeared, which is guaranteed by the state. Moreover, to receive payments, you must score at least 11.4 points.
When calculating the pension, the following periods are taken into account:
- passing the service about conscription;
- time spent on maternity leave;
- being in custody.
To determine the amount of pension payments, you can use the formula:
IPK = SV / SVmax x 10,
- SV - insurance contributions that the employer paid for the employee to the Pension Fund;
- CBmax - the maximum amount of contributions paid at a rate of 16%;
For example, an employee's income is 25 thousand rubles. It is necessary to determine the annual amount of contributions to the Pension Fund of the Russian Federation.
(25,000x16%) х12 = 48,000 rubles.
The maximum amount of contributions in 2017 cannot be more than 140 160 rubles. Now we substitute all the values in the formula and get: IPC = (48 000/140 160) x10 = 3.42 points
How to determine the value of a retirement point
To receive the insurance part of the pension, you must have worked for at least 8 years. Pension calculator for retirees in 2019 developed taking into account the changes that have occurred since the reform. Employees of the Pension Fund of the Russian Federation, when preparing documents, check the number of pension points a person has. In the future, the requirements for employees will only get tougher. Already in 2025, the PF RF plans to increase the minimum number of IPCs. A person must have worked for at least 15 years and have at least 30 points on the account.
| Year | Requirements for the minimum work experience of an employee, years | Minimum IPC value, in points |
|---|---|---|
| 2015 | 6 | 6,6 |
| 2016 | 7 | 9 |
| 2017 | 8 | 11,4 |
| 2018 | 9 | 13,8 |
| 2019 | 10 | 16,2 |
| 2020 | 11 | 18,6 |
When calculating payments, employees of the Pension Fund of the Russian Federation take into account the value of the point. After obtaining the necessary information from the table, you can calculate your pension using the new pension calculator. Be sure to consider all the parameters that are used in the process of calculating payments. This may require the help of a specialist. The calculator allows the user to estimate the amount of the future pension in advance. However, the results obtained on the screen monitors are only an approximate amount.
What determines the size of the fixed payment?
An elderly person can count on a certain amount guaranteed by the state. Its size depends not only on the category of the recipient. The regions independently set the amount that pensioners will receive. Fixed payments are subject to mandatory indexation. To do this, you need to take into account the economic indicators of the country. Without fixed payments, it is impossible to determine the amount of the survivor benefit. Pensions are indexed annually on February 1 in accordance with Article 16 of the Federal Law No. 400.
You can determine the amount of fixed payments in force in 2019 using the following table.
When calculating a pension, the age of the elderly person and the number of dependents are taken into account. Pensioners who have turned 80 years old are paid by the state an increased fixed payment in the amount of 9610.22 rubles. If an elderly person has no dependents, then the basic part of the pension will be 4,805.11 rubles. People with disabilities are eligible to receive an increased amount of a fixed payment.
As an example, consider the calculation of the pension of a person who decided to postpone the processing of payments.
The labor biography of Ivanova Victoria Petrovna began at the age of 18. Throughout her life, she took parental leave 2 times. For the first child she was awarded 1.8 points. The second baby increased the IPC by 3.6 points. Victoria Petrovna constantly worked at the same enterprise. After reaching the retirement age, the woman worked for another 5 years in excess of the experience.
The total number of points earned was 104. The woman achieved an increase in the amount of fixed payments by 1.27 times. The adjustments were taken into account when determining the value of the PKI. The number of points was calculated taking into account the coefficient of 1.34.
Hence, 405.11x1.27 + 104x78.58x1.34 = 11,465 rubles.
How to calculate your pension yourself
3 factors affect the size of pension payments:
- What is the person's official salary?
- Length of employment.
- At what age the employee applied for a pension.
Important! The pension fund limits the maximum number of points a person can earn. With a monthly salary of 60 thousand rubles, an employee can receive 7.9 points per year.
After entering the basic parameters into the calculator, you can calculate the pension yourself... The amount of the insurance pension is not indicated in rubles. It is converted into points. The amount of payments can be determined by multiplying the number of points earned by their value.
When calculating a pension, you need to take into account the value of the surplus coefficients. Benefits apply to people who have worked in hazardous work. The pension fund encourages seniors who decide to postpone payments. The surplus coefficient for a person who has received a pension 5 years later than the due date will be 1.5.
The contributions paid by the employer to the Pension Fund of the Russian Federation amount to 16% of the employee's official salary. These funds can be divided into insurance (10%) and funded (6%). Funds in the savings account are used to invest in securities. Moreover, the pension is formed from the income of people born after 1967.
What pension will be for people working in the shadow business sector
According to the Ministry of Labor, about 20% of people receive their salaries in "envelopes". Employers do not pay contributions for them to the Pension Fund of the Russian Federation. This group of workers will not be able to count on a full-fledged pension. However, even this category of people will not be left without a livelihood. The state guarantees social benefits to elderly people without work experience. In the Pension Fund, a single database was created in which all candidates for receiving payments are present. Now the Russians have a personal account where you can see valuable information.
First you need to register on the public services website. After that, the user has access to the personal account of the PF RF. Each person is given a unique username and password. The future retiree can receive information about the contributions that the employer transfers to the employee's individual account. The personal account displays the number of points earned by a person. If the employer does not pay contributions, then you can write an application to the labor inspectorate at any time. To calculate your future pension, you can use the calculator on the institution's website.
For example, a woman reached retirement age in 2017. During the entire working period, she managed to earn 75 points. The woman was awarded an additional 1.8 points as she was caring for the child. The cost of the pension ball was approved at 78.58 rubles.
What is the formula used to calculate the funded pension
A person has the right to transfer funds to an NPF, which will be able to manage the client's money with greater efficiency. The funds received will be used for transactions with stocks and bonds. The profit from the fund's activities is distributed among the participants in accordance with the agreement.
But in this case, the future pensioner is not insured against the bankruptcy of the company. If the non-state pension fund goes bankrupt, the client will still be able to receive the invested funds. The state insures employee contributions that have been transferred to NPFs.
NP = PN / T,
- PN - the amount of contributions that participates in the formation of the funded pension;
- T - how long the payments were received to the account of the insured person.
As an example, consider a person who was born after 1967. The future pensioner received a salary of 32,000 rubles for 10 years (120 months). Every month the employer transferred 6% of his earnings to the Pension Fund of the Russian Federation.
Hence, the amount of accumulative contributions will be:
32,000x120x0.06 = 230,400 rubles.
Pension calculator
You can use an online calculator to determine the amount of your future pension in advance. In this case, the user does not have to prescribe the value of the point and the amount of the fixed payment. These indicators are already present in the calculations.
To determine the sum insured, the user only needs to specify:
- the age at which a person plans to apply for a pension;
- what is the applicant's length of service.
To get a more accurate amount, you must indicate the option of forming a pension (insurance or funded)
- whether the person served in the army;
- the amount of the official salary;
- availability of pension capital.
The resulting calculations are used to get acquainted with the future pension. They are only advisory in nature and can be adjusted by the staff of the PF. If the user has entered into an agreement with a non-state pension fund, then a preliminary calculation can be made on the company's website. The investment result can be seen on the screen.
The following information must be entered into the funded pension calculator:
- age and gender of the client;
- length of service;
- the average salary of an employee.
All funds indicate their return on investment. A person can calculate the amount of profit before concluding an agreement with an NPF.
How can I find out the amount of my pension savings?
Many users experience difficulties when trying to determine the effectiveness of funds invested in NPFs. For information on the state of savings, you can contact the Pension Fund. You can check the amount of pension contributions directly on the organization's website. To do this, you must specify the SNILS number.
Important! The function is available only to users who have registered on the website of public services.
In your personal account, go to the "Pension savings" tab and request the necessary information. Within a few seconds, the monitor will display information about the amount on the account of the insured person. Some people forget the name of the NPF with which they entered into an agreement. To find out where the funds are stored, you can contact the PF. Be sure to bring your passport and SNILS with you.
There is an easier way to get information about NPFs. The accounting department of the enterprise regularly makes deductions from the employee's salary. To find out about the amount of payments, it is enough to contact a specialist of the department.
Conclusion
For the convenience of users, a calculator has been developed that allows you to calculate your pension online. A person only needs to enter the information necessary to determine the amount of future payments. The results obtained should not be taken as exact numbers. The calculator developers decided to simplify the calculation procedure. They did not include in it all the factors affecting the size of the pension.
Today, thanks to the availability of the Internet for almost any resident of our country, it is not at all necessary for established or future pensioners to stand in queues, fill out the relevant applications in order to find out information about their pension savings. More and more often, our compatriots have a question about how you can find out your pension via the Internet without leaving your home?
In addition, everyone can use to calculate the amount of your social savings received in the account in the current year, as well as print a notification about its status.
The only condition for finding out complete information about your pension via the Internet is its availability. Next, follow the instructions:
- type in any search engine or in the browser line the following address - pfrf.ru;
- find the command "Personal account of the insured person" and click on it;
- it is impossible to enter your personal account if the user has not registered on the site gosuslugi.ru (resource of State services);
- to do this, you must enter, as well as the postal address (mail) or cell phone number;
- after registering in your account, you need to find the tab "Get information about the formed pension rights"- the required item is located under the letter "A".
It is on this page that it is indicated how many pension points a citizen of the Russian Federation has at the moment and the time of his work experience.
To find out what information was given to the PF by employers, you need to return to your personal account and click on the command "Information about work experience and earnings"- it is located under the letter "B".
Checking your own social savings in the network
On the website of the PF RF, you can also calculate your own social savings - for this purpose there is a special calculator. However, reliable data is generated only when the user makes a request to the PF at the place of residence and will have all the data of his personal account in his hands.
Unfortunately, the calculator is not suitable for use by the following citizens:
- Receiving payments due to the loss of a breadwinner or the receipt of any category of disability.
- People who receive a pension at a reduced rate.
- Business people.
Internet for help - data on the appointment of a pension
It should be noted that the personal account in the PF began to operate relatively recently - from the beginning of 2015. In addition to detailed data on individual social savings, on the website of the Russian Pension Fund, you can also apply for a pension and choose the method of its delivery. Moreover, you can apply for any type of social security contributions, namely:
- old age;
- disability;
- loss of the only breadwinner.
An application for the appointment of an old-age pension through the global network can be submitted only 30 days before the eligibility for it. If its accumulative part is transferred to a private PF, information on the state of savings can be found 10 days after the application is submitted.
About the insurance part of the pension via the Internet
To find out the data on the insurance part of your own pension, you can use either the PF website or the State Services website. To register on the State Services portal, you must have at hand a passport of a citizen of the Russian Federation and a SNILS number. It is worth considering that during registration, the system will require you to provide a mobile phone number or email address.
During pre-registration, you will need to enter data in only three fields - indicate the last name, first name, as well as an e-mail or enter a cell phone number. After that, you should enter the password and repeat it correctly.
A notification of the registration procedure should be sent to the phone or mail, after which it will be necessary to enter personal information on the State Services website - passport data and SNILS number.
The specified data is automatically checked. To fully use the portal for personal purposes, you need to have a confirmation of your personal account. There are 3 ways to do this:
- Visit the nearest post office of the Russian Federation and present your passport, the details of which were entered on the State Services website.
- During registration, indicate your own mailing address - it will actually be sent to a code confirming your identity.
- Use an electronic signature tool.
To obtain complete information about the insurance part of pension savings, you can also use the official website of the Pension Fund of the Russian Federation.
Calculate the approximate amount of your pension:
Results of calculating your pension
Insurance pension (SP) *: 12 065.90 rub.Your work experience is less than 9 yearsAccumulated PCs less than 13.8Your work experience is less than 9 years and the number of PC pension savings is less than 13.8: You are entitled to a minimum pension: 8703 rublesNumber of individual pension coefficients (PC): 92.40
* The figures for calculating your pension are approximate. For more accurate results, we recommend contacting the PF RF. When calculating the notional amount of the insurance pension, the following indicators of 2018 are used: Fixed payment - 4982.9 rubles; The cost of 1 pension coefficient is 81.49 rubles; The maximum salary before personal income tax, subject to insurance premiums, is 85,083 rubles per month.
Approaching the retirement age, many citizens ask themselves a very relevant question for them, how to calculate a pension. Directly the state social benefit itself has undergone repeated reforms, and today it is possible to distinguish a pension:
Each of these payments is counted in a special way, and the amount is influenced by a number of factors determined by law.
The basic values for determining the amount of the monthly retirement benefit will be:
- The size of the salary of the future pensioner. The higher this indicator, the greater the monthly benefit will be.
- Duration of labor activity. The longer a pensioner has worked, the more retirement points he receives.
- The age at which a pensioner stops working. The legislator establishes the lower age limits for retirement, women - 55 years, men - 60. If, for example, a man continues to work until the age of 65, then this fact, when calculating a pension, will be taken into account and will affect the growth of benefits.
Pension calculation formula
To calculate the labor or insurance pension, you need to know the following indicators:
- - personal pension coefficient. In other words, the indicator can be identified as a retirement score, which directly depends on the size of the salary and, accordingly, on the amount of insurance premiums paid by the employer.
- Pension coefficient. It is used as an incentive measure to continue working after a citizen reaches the lower age for calculating state benefits. The longer a pensioner works, the higher the premium coefficient.
- State-guaranteed pension amount. It is defined in the legislation. The payment is fixed and is added to the variable part if the citizen has worked the minimum length of service. This fixed payment has a higher value for some categories of citizens. This fact is described in detail in.
Russians, in order to independently determine how to calculate the size of the old-age pension, should use the formula:
SP = IPK * SIPK * K + FV * K
where Joint venture- old-age insurance pension;
IPK- the summed up number of pension points;
SIPK- the monetary value of the personal pension coefficient;
TO- coefficients, and they differ for the state and personal indicator;
PV- the amount fixed by the state.
In turn, the individual pension coefficient (SIPC) is calculated as:
SIPK = SV / SVmax * 10
Where SV- the amount of paid insurance premiums, it is 22% of earnings excluding taxes paid. On the personal account of the future pensioner, 16% or 10% will be recorded, depending on the decision of the future pensioner to form the funded part of the pension payment or not.
SVmax- the upper limit of the amount of contributions, it is deducted from the contribution base and is 16%.
Important! The contribution base is indexed annually, so in 2018 it will be equal to 1,021 million rubles.
When calculating a pension, 3 time periods are taken into account:
- until 2002. All data on seniority and earnings are obtained independently, since the personified funds do not have this information;
- 2002-2014 years. The FIU has data and the amount of contributions is formed, the length of service itself is only important for determining the minimum length of service;
- from January 1, 2015. Here FZ-400 comes into force and the calculation is made in accordance with it.
The formula for calculating the pension is quite voluminous, you can not understand the details of how exactly the pension is calculated, but use a ready-made Internet resource.
How to calculate your pension online
Not every citizen can independently calculate a pension. The Internet resource offers a lot of opportunities to get information about the amount of payments online.
The websites of various companies offer to use special pension calculators, in which you only need to enter certain values.
The official website of the Pension Fund is no exception, which offers to calculate the amount of future pension using an online calculator.
Important! All calculations of pensions in real-time access are for informational purposes only.
Pension calculation using the Pension Fund calculator
The Pension Fund places on its website a form of a pension calculator, which allows not only to roughly calculate the amount of future pension accruals, but also helps to understand how exactly the amount of earnings and work experience affects the amount of social benefits for old age.
To do this, a citizen must fill out the following form cells:
- Date of birth.
- Service life in the army.
- Amount of children.
- The number of years spent on parental leave for each child.
- Time spent caring for a disabled citizen.
- The number of years to work after reaching retirement age.
- Employment as an employee or self-employed.
- Time worked by an employee.
- The amount of earnings in prices of the current year.
- the number of individual pension points;
- the amount of the insurance pension payment;
- general experience.
The indicators established for the current year are used directly for the calculation. So, in 2018:
- subsidy established by the state - 4 982.9 rubles;
- price value 1 point - 81.49 rubles;
- the maximum allowable salary before deduction of tax, subject to insurance premiums - 85 083 rubles per month.
Among other things, the Pension Fund of Russia has created a unified database of future retirees, through which it is possible to track whether the employer in good faith makes contributions for their employees.
This requires:
- register on the website "Gosuslugi";
- enter your personal account on the PFR website using the login and password specified when registering on the Gosuslugi website.
This tracking method allows you to timely identify unscrupulous employers.
Calculation example
If you want to independently learn how to calculate the indicator of social benefits for old age, you can use the following example:
Citizen Petrov V.V. born in 1956
According to state regulations, he has the opportunity to retire in 2016.
Work experience V.V. Petrov is 29 years old.
Salary Petrov V.V. is equal to 1,700 rubles for one working month.
Step 1
We calculate the coefficient of experience:
For 25 years worked, it will be equal to 0.55. For each subsequent working year, 0.01 is added to the value. Petrov V.V. worked for 29 years, therefore, 0.04 will be added to his coefficient, which will give a total of 0.59 points.
Step 2
Petrov V.V.'s monthly earnings divided by the average salary in the country in the current year, calculated by the PF:
1 700/1 671 = 1,02.
Step 3
We calculate the pension capital:
PC = seniority ratio * average salary in the country * ratio of available earnings to the average minus the payment established by the state in 2002 * the number of months of compensation.
1.02 * 1671 * 0.59 - 450 * 228 = 130564.66. It turns out the capital for 2002.
Step 4
Social benefits are indexed annually, therefore, it is necessary to increase the calculated value by the total coefficient:
13 0564.66 * 5.6148 = 73 3094.45 - this will be the pension capital of V.V. Petrov. received by 2018
Step 5
For the period of time worked from 1991 to 2002, a surcharge is made in the amount of 10% of the total capital. For Petrov V.V. it will be 73,309.45.
Step 6
The allowances are summed up with the compensation collected on the insurance account of V.V. Petrov. This amount was deducted by the employer on a monthly basis, starting from 2002, the Pension Fund of Russia determines it in the amount of 856342.10 rubles. We get the following result:
73 3094,45 + 73 309,45 + 85 6342,10 = 1 662 746,00.
Step 7
The calculated amount should be divided by the approximate period of benefit payment (it will be 228 months), the insurance share will be received:
1 662 746,00 / 228 = 7 292,75.
Step 8
The insurance part is multiplied by the IPC, which is equal to 106.393, as well as by the price of the pension point, which in 2018 was 78.28. Thus, the additional insurance share will be calculated, it will amount to 8,328.44 rubles.
Step 9
The final indicator is obtained by summing up the basic insurance payment, a fixed payment, its lower limit for today is 4,805.11 Russian currency units.
8 328.44 + 4 805.110 = 13 133.55 rubles.
Thus, the approximate old-age pension of V.V. will amount to 13,133.55 Russian rubles.
Every Russian has a choice of how to calculate the amount of his pension, using formulas or using an Internet resource.
Male Female
Generally established retirement age
men - 60 years old, women - 55 years old.
At this age, you have the right to apply for an old-age pension.
The generally established retirement age for men is 60 years, for women - 55 years. For citizens eligible for a pension earlier than the generally established retirement age, the age at which the right to retirement arises is lower than the generally established one. Indicate the length of your estimated work experience - from starting work until you reach retirement age. The periods of study, childcare and conscription are not counted. If your total length of service by 2021 is less than 15 years, then you will not be eligible for an old-age pension, and you (women at 60, men at 65) can apply to the FIU for a social pension, the amount of which is less.
0 1 2 3 4 5 6 7 8 9 10
The size of the pension under the new formula increases significantly if you postpone applying for a pension until a later date when you reach retirement age. According to the new formula, the size of the insurance pension is increased due to later retirement, that is, by applying for a pension after reaching retirement age or the emergence of the right to a pension (for "early adopters"). The insurance pension will consist of a fixed payment amount (from February 1, 2015 - 4,383.59 rubles) and an insurance part. For each year of later applying for a pension, the insurance pension will increase by the corresponding premium coefficients. For example, if you apply for a pension 5 years after reaching retirement age, then the fixed payment will increase by 36%, and the insurance pension - by 45%; if - 10 years, then the fixed payment will increase 2.11 times, the insurance part - 2.32 times.
Your future pension is formed only from the official salary. Here you can enter your current gross wage or your notional average wage for your entire working life at current prices.
The higher the salary, the higher the pension will be. The main thing is that the salary must be official, that is, "white". This means that the employer pays insurance premiums to the GPT system for you. If you receive an unofficial salary, contributions are not paid by the employer, your pension is not formed, length of service is not taken into account. Under the new formula, insurance premiums at a rate of 22% are paid from a maximum salary of 66,334 rubles per month.
Military service by conscription is counted in the total length of service. For each year of conscription military service, according to the new pension formula, 1.8 pension coefficient and one year of insurance (unearned) length of service are accrued, which is taken into account in your total length of service.
In the new pension formula, the periods of leave for children (up to 1.5 years for each of four children) are included in the total length of service. The new pension formula accrues: 1.8 pension coefficient per year of maternity leave to care for the first child, 3.6 pension coefficient per year of maternity leave to care for a second child, 5.4 pension coefficient per year of maternity leave to care for a third child , 5.4 of the pension coefficient for the year of maternity leave for the care of the fourth child.
No Yes
If you have worked in agriculture for at least 30 years and have remained to live in the countryside, the amount of the fixed payment as part of the insurance pension will be increased by 25%.
Please choose your tariff.
Please enter your gender.
According to the law, pension savings are not formed for citizens born in 1966 and older.
Enter a different value for your seniority.
Please enter your year of birth.
Enter a salary higher than the minimum wage in the Russian Federation in 2016 - 6,204 rubles.
From 2025, the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of earned coefficients for the appointment of a pension is 30. If in the answers to the questions you indicated the experience of less than 15 years or the number of the collected coefficients does not reach 30, then you will be assigned a social old-age pension: women at 60 years old, men at 65 years old. The old-age social pension is now 4,769.09 rubles a month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in the region of your residence.
If you want to receive a higher pension, reconsider your life plans so that your work experience is 15 years or more, and in the end you could earn at least 30 pension coefficients.
Sorry, the calculator is not intended to calculate the amount of pensions for current retirees, citizens who are less than 3-5 years old before retirement.