How to find out what will be the pension calculator. In what case can the EF be increased? How long do you have to work to qualify for a certain amount of pension
The results of calculating your pension
Insurance pension (SP)*: 12 065.90 rub.Your work experience is less than 9 yearsThe number of accumulated PCs is less than 13.8Your work experience is less than 9 years and the number of pension savings of the PC is less than 13.8: You are entitled to the minimum pension: 8703 rublesNumber of individual pension coefficients (PC): 92.40
* The calculation data for your pension is approximate. For more accurate results, we recommend contacting the Pension Fund of the Russian Federation. When calculating the conditional amount of the insurance pension, the following indicators for 2018 are used: Fixed payment - 4982.9 rubles; The cost of 1 pension coefficient is 81.49 rubles; The maximum salary before the deduction of personal income tax, subject to insurance premiums - 85,083 rubles per month.
Approaching the retirement age, many citizens are asking a very relevant question for them, how to calculate a pension. The state social benefit itself has undergone repeated reforms, and today a pension can be allocated:
- labor;
- insurance;
- cumulative.
Each of these payments is calculated in a special way, and the amount is affected by a number of factors determined by law. Calculate the approximate amount of your pension:
The fundamental values for determining the amount of the monthly pension benefit will be:
- The salary of a future pensioner. The higher this figure, the greater the monthly allowance.
- Duration of employment. The longer a pensioner worked, the more pension points he receives.
- The age at which a pensioner ceases to work. The legislator sets the lower age limits for retirement, for women - 55 years, for 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 increase in benefits.
Pension calculation formula
To calculate a labor or insurance pension, you need to know the following indicators:
- - personal pension coefficient. In other words, the indicator can be identified as a pension score, which directly depends on the amount of 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 limit for calculating state benefits. The longer a pensioner works, the higher the bonus coefficient.
- State-guaranteed pension. It is defined in the legislation. The payment is fixed and is added to the variable part if the citizen has completed the minimum length of service. This fixed payment has a higher value for some categories of citizens. This fact is described in detail in .
In order to independently determine how to calculate the amount of an old-age pension, Russians should use the formula:
SP \u003d IPC * SIPC * K + FV * K
where joint venture– insurance old-age pension;
IPK– the total number of pension points;
SIPC- the monetary value of the personal pension coefficient;
TO- coefficients, and for the state-established and personal indicator they differ;
FV is a government-fixed amount.
In turn, the individual pension coefficient (SIPC) is calculated as:
SIPC = SV / SVmax * 10
Where SW- 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 taxable base and is 16%.
Important! The taxable 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 personalized funds do not have this information;
- 2002-2014 years. The FIU has the data and the amount of contributions is formed, the length of service itself matters only for determining the minimum length of service;
- from January 1, 2015. Here the Federal Law-400 comes into force and the calculation is made in accordance with it.
The formula for calculating a pension is quite voluminous, you can not understand the details of how exactly a pension is calculated, but use a ready-made Internet resource.
How to calculate pension online
Not every citizen is able to independently calculate a pension. The Internet resource offers a lot of opportunities to get information about the amount of payments online.
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 a future pension using an online calculator.
Important! All calculations of pensions in real access mode are informational in nature.
Calculation of pension using the Pension Fund calculator
The Pension Fund places on its website a pension calculator form, which allows not only to roughly calculate the amount of future pension accruals, but also helps to understand exactly how the amount of earnings and length of service affect the amount of social benefits for old age.
To do this, a citizen must fill out the following cells of the form:
- Date of birth.
- Service life in the army.
- Amount of children.
- Number of years spent on maternity leave for each child.
- Time spent caring for a disabled citizen.
- The number of years you plan to work after reaching retirement age.
- Employment as an employee or self-employed.
- Time worked by an employee.
- The amount of earnings in the prices of the current year.
- the number of individual pension points;
- the amount of the insurance pension payment;
- general experience.
The indicators set for the current year are used directly for the calculation. So, in 2018:
- subsidies established by the state 4,982.9 rubles;
- price value 1 point - 81.49 rubles;
- the maximum allowable salary before tax, subject to insurance premiums - 85 083 rubles per month.
Among other things, the Pension Fund of Russia has created a single database of future pensioners, through which you can track whether the employer is conscientiously making deductions for his employees.
For this you need:
- register on the website "Gosuslugi";
- enter your personal account on the PFR website using the login and password specified during registration on the State Services website.
This method of tracking allows you to identify unscrupulous employers in time.
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 Petrova V.V. is 29 years old.
Salary of Petrov V.V. equal to 1700 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
Monthly earnings of Petrov V.V. 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 = length of service ratio * average salary in the country * the ratio of available earnings to the average minus the state-established payment in 2002 * number of months of compensation.
1.02 * 1671 * 0.59 - 450 * 228 = 130564.66. It turns out capital for 2002.
Step 4
Every year, social benefits are indexed, 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 Petrov V.V. received by 2018
Step 5
For the period of time worked from 1991 to 2002, an allowance 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 added to the compensation collected on the insurance account of Petrov V.V. This amount was deducted monthly by the employer, starting from 2002, the PFR 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 must be divided by the approximate period of time for the payment of benefits (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, an 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, fixed payment, its lower limit today is 4,805.11 Russian monetary units.
8,328.44 + 4,805.110 = 13,133.55 rubles.
Thus it is approximate old-age pension Petrov The.The. will amount to 13,133.55 Russian rubles.
Every Russian has a choice of how to calculate the size of his pension, using formulas or using an Internet resource.
Each person thinks about what will be the size of his future pension. Therefore, he tries to work officially and perform other actions that will increase this payment in the future. In this case, it is desirable to understand how to calculate the pension by points. This is especially true for people who may soon retire. This enables them to understand how much will be paid out of the PF.
What determines the size of the pension?
First you need to understand all the innovations in order to determine what factors and features affect this significant payment. The correctness of its calculation and the actions of citizens that contribute to its increase in the future depend on this. Under the new system, the amount of this payment depends on three different factors:
- the presence of official employment and white wages;
- work experience of a citizen;
- the age at which a person retires.
The insurance payment is calculated not in any absolute terms, but in special points. Before the payment is made, the pension points are calculated, after which they are multiplied by the established value, which is annually approved by the Government. It is subject to regular indexation, as it depends on inflation.
How much is a pension point worth? For 2018, this figure is 81.49 rubles. But in order to receive an insurance pension, each person must earn the optimal number of points. For people who achieve a pension return in 2018, this number is equal to 13.8 points as a minimum. This indicator will grow annually, and it is planned that it will be 30 points by 2025.
What is the minimum experience?
Now it is enough for citizens to work officially for at least 9 years to be able to receive this payment from the state. But this indicator is considered by officials to be too small. In order to motivate citizens to work exclusively in official work, changes were made, on the basis of which it is necessary that people officially work for at least 15 years. By 2024, this indicator will be used when calculating payments.
Salary Requirements
Retirement points additionally depend on the income received by a citizen. The more money the employer sends to the PF for the employee, the more significant his pension will be in the future.
But a significant condition is that only official cash receipts are taken into account. There is also a certain limitation. This is due to the fact that the maximum funds are paid from 710 thousand rubles. per year, therefore, no more than 60 thousand rubles can be transferred to the PF monthly. The maximum number of points for a pension depends on this amount, which for 2018 is 7.9 points. It is planned that by 2021 this number will grow to 10. They are awarded to citizens who receive the maximum salary all year.
Surplus factors
The government refused to raise the retirement age, so every woman can still retire at 55, and a man at 60. Additionally, there are benefits for citizens working in hazardous conditions.
But now special stimulating conditions are being introduced so that people apply for payment as late as possible. Therefore, when learning how to calculate a points pension, one has to deal with surplus factors. They depend on how long a person does not apply for payments after reaching the appropriate age.
For example, if a woman draws up a pension not at 55, but at 60, then the payment will increase by one and a half times.
New perks
Additionally, when determining a pension, different citizens can use unusual incentives. They belong to large families. Previously, young mothers could count on only 3 years of care for all children, but now 4.5 years are included in the experience.
Also, the length of service now includes the service of a citizen in the army.
What is the pension for?
It is worth understanding how pension points are calculated. For each employee officially employed, employers pay 30% of insurance premiums from their salary. Most of the money is directed to the ability of a person to receive free medicine, and the rest - to other social projects.
Out of 30%, only 16% is set aside for retirement. These funds are divided into two parts. One is represented by the insurance part, which includes 10%. This money is used to pay pensioners. At the same time, it is recorded in the database how much money was transferred by each person. Based on this information, a citizen's pension will be calculated in the future.
6% act as a funded part, which is stored in individual accounts. They can be kept in PFs or invested in different NPFs represented by management companies. They invest money in various profitable projects, which makes it possible to significantly increase deposits.
Statistics show that more than 20% of Russians are not in the pension insurance system, so they do not receive an official salary. In the future, they will be able to rely solely on a small social benefit.
How is the pension calculated?
Many people think about how to calculate a pension by points. To do this, there is a special online calculator on the official website of the Pension Fund, which is actually easy to use. It is represented by a standard questionnaire, in which you need to enter only the necessary information, after which the calculation will be made automatically.
Numerous data are entered into the form for the calculation. These include work experience, the number of years that a citizen was on maternity leave or served in the army, the average salary for a year of work. Based on these data, a certain number of pension points will be obtained. Then they are multiplied by the established value, which will allow you to get the approximate amount of the pension.
How can I be sure the points are correct?
You need to understand how the points for the pension are calculated. They depend on the length of service and earnings. At the same time, points increase even for periods when a woman was on parental leave.
If a person is caring for a disabled child or a person over 80 years old, then 1.8 points are scored for each year. The same number of points applies to citizens serving in the military.
Nuances of scoring
To calculate the payment, the following formula is used: fixed part * bonus coefficient (if the pensioner does not immediately apply for money) + number of points * cost of one point + funded part.
How many points do you need for retirement? To receive this payment in 2018, you need at least 13.8 points, but this number increases every year. It is assumed that by 2025 a person will be able to count on receiving this payment if he has officially worked for at least 15 years, and also scored more than 30 points. Having figured out how many points are needed for a pension, each person will strive to achieve this result.
Not enough points for retirement? What to do in this case? In such a situation, the pensioner will be able to rely only on social benefits, which have a small amount. You can improve the situation by continuing to work, so you should not immediately request a pension upon reaching the pension return.
How is the insurance part calculated?
The scheme for accruing the insurance part is considered not very transparent, so many people really fear that even if you work for almost your entire life, you still won’t be able to score the necessary points for receiving a pension.
Points for retirement by years are calculated quite simply. To do this, the ratio of the amount of money paid in the form of contributions to the PF by the employer to the limit value is taken into account, and the resulting value is multiplied by 10. The limit value cannot be changed in any way by the citizen.
Calculation example
For example, Smirnov receives a salary of 36,000 rubles. per month. Annually 69120 rubles. transferred by his employer to the Pension Fund. The maximum amount of deductions in 2017 is 140 thousand 160 rubles. Accordingly, Smirnov will receive points per year: 69120/140160*10=4.9.
In 2017, a maximum of 8.26 points can be earned, so a person who earns over 876 thousand rubles can count on them. per year or 73 thousand rubles. per month.
If a citizen cannot officially earn 87.5 thousand rubles in a year, then he will not receive a single point. If there are several such years at all, then it is likely that in old age a person will receive only a social pension.
For people who do not receive very high incomes, this method of calculation is considered not very suitable, since they will not be able to count on a really decent pension in old age.
In what additional ways can the insurance part be increased?
It is allowed by law to increase the insurance part without official employment, but for this, citizens must be engaged in useful and socially significant work. Therefore, additional points are awarded in the periods:
- conscription service, with 1.8 points awarded each year;
- caring for the first baby in the family or for a disabled person of the first group - 1.8 points per year;
- caring for a second child until they reach 1.5 years old - 3.6 points for one year;
- caring for subsequent children - 5.4.
They are counted only in a situation where, before taking a vacation, a person was officially employed. They are not charged for those periods when people study in different educational institutions.
Citizens who retire not upon reaching the appropriate age, but later, can also count on additional points. In this case, the pension is recalculated for points, so pensioners receive a higher pension. If a citizen applies for a pension five years after reaching the age of 55 or 60, then the insurance part increases by 45%, and the fixed part - by 36%. Due to this method, the state seeks to motivate citizens to work as long as possible.
Tips for working pensioners
People are afraid that if they apply for a pension immediately upon reaching the appropriate age, then the amount of this payment is fixed, so even if they continue to work, the pension will not increase. This opinion is erroneous, since the employer will still transfer funds to the PF for such a citizen. The money is reflected in the personal account of the citizen, so the annual recalculation of the amount of the pension is made.
The authorities also encourage the work of citizens in combination, therefore, an increase in the insurance part of the pension is ensured even with such employment. When determining the number of points, the salary at all places of work is taken into account. The numerator depends on it when calculating the size of the pension.
At the same time, there is a certain limitation, since in 2017 it will not be possible to score more than 8.26 points. In 2018, their maximum number is 8.7, and by 2021 it will reach 10.
For each pensioner, it is considered optimal to get an official job, where he will earn in the range from 12 to 15 thousand rubles. It is advisable to initially tune in to the duration of work, since the size of the pension directly depends on the length of service. Now every person who wants to receive a really high payment in old age must have more than 15 years of experience.
How to find out the number of points?
Many people want to independently calculate how much money they will receive in retirement. To do this, you can use an online calculator or a simple mathematical formula. At the same time, citizens often have difficulties with counting points. You can find them on the PF website.
To obtain this information, you need to register and log in to the official website of the Pension Fund, after which you need to find a section called “Pension Savings” in your personal account. It is here that more detailed information is contained, on the basis of which the future pension is easily calculated.
Conclusion
Thus, the size of the pension depends on various factors, which include length of service, salary received and other factors. Due to these data, the optimal number of points for each year of work is calculated. They are limited by certain limits, and are also counted even if a person performs any social and important actions that are not related to official work.
Points are also awarded after a person retires, if he continues to work, so employers pay funds for him in the Pension Fund. Each person can independently increase their pension by adding points, for which it is necessary to choose a highly paid job, and it is also recommended to retire as late as possible. Calculating a pension using points is considered a simple and quick process, easily performed independently or using special calculators on the official website.
Since 2015, pensions have been calculated using a new formula. Persons with 30 or more accumulated points will be eligible for payment. This condition affects the rights of people who have little experience. Read more about the new formula below.
Principle
Previously, two conditions were required for the calculation of benefits:
- the onset of the established age (60 for men, 55 for women);
- work experience (in different years from 5 to 25 years).
The amount of the pension depended on the length of service and income level. From 2001 to 2014, insurance premiums also mattered. They usually amounted to 14-16% of monthly income. Since 2015, a new element has appeared - the coefficient. This is the sum of points for the years of work. To receive benefits, you must have worked for a certain number of years at a salary level at which the amount of contributions paid would exceed the level established by law.
The essence of the new calculation system is that the pension rights accumulated during the working period are converted into points. Their sum is then calculated. To determine the accumulated IPC, it is necessary to divide the amount of assessed contributions by the standard - the product of the maximum tariff and the maximum taxable salary.
If a person receives 568 thousand rubles a year, then he accumulates the maximum 10 points. The maximum salary and coefficients change annually. By 2025, when the program is fully launched, these two indicators will increase significantly. By this time, only persons who have accumulated 30 or more points will be able to receive the accumulated part of the pension. For 2015, the old-age payment is assigned if there are 6.6 points. The indicator will increase by 2.4 annually.
How the new program works
Most people started working in the USSR. They expect to take a well-deserved vacation soon. The amount of their benefit will also depend on the accumulated individual pension coefficients (points). For the period of work until 2001, the amount of the insurance pension will be determined, which will then be recalculated into coefficients.
Example
Petrov worked as an engineer. On December 31, 2014, he was entitled to a pension in the amount of 10,030 rubles, which consists of a one-time payment (3,935 rubles) and insurance - 6,095 rubles. What is his individual pension coefficient for 2015?
IPC = 6095: 64.1 = 95.
RUB 64.1 — valuation of one coefficient since 2015
To receive the average benefit, you must accumulate at least 100 points. The individual pension coefficient is of great importance. How to calculate the amount of benefits for working people?
- IPC = IPC before 2015 + IPC after 2015.
The second indicator is calculated as the sum of coefficients for each reporting period:
- Insurance pension = IPC × Points value.
- Benefit = Fixed payment + Insurance pension.
Factors
The value of the individual pension coefficient depends on:
- income ceiling for contributions;
- the value of the point, which is indexed to the inflation rate.
In 2015, the maximum salary with which contributions are paid was 711 thousand rubles. From a larger amount, deductions are not made. At a rate of 16%, 113.76 thousand rubles will go to the state budget. Calculate the maximum individual pension coefficient.
Example
Petrov continues to work for a salary of 25 thousand rubles. 48 thousand rubles are annually deducted from this amount. in PF. For 2015, the individual pension coefficient how to calculate?
(48,000: 11,3760) x 10 = 4.22.
Petrov may ask for the recalculation of the listed contributions. But even in this case, only 1.8 units will be taken into account.
Number of points required in 2015
For clarity, we use a table.
Salary, thousand rubles | The amount of accumulated points taken into account when calculating the pension (at a rate of 16%) |
44 or more |
The annual individual pension coefficient is the number of points earned in 12 months, or those periods that are included in the length of service. The higher the salary, the higher the IPC. The law establishes a 6-year transitional period, during which the conditions will gradually tighten.
The individual pension coefficient is the sum of points that are accrued not only for the period of work, but also in the case of certain types of "downtime".
The sum of accumulated and accounted indicators in 2016 and beyond can be viewed on the Pension Fund website. Even with the maximum accumulated IPC, 7.83 points in 2016 and 8.26 in 2017 are taken into account.
Example
The top manager has been working since 2010 for an annual salary of 100 thousand rubles. For 5 years of experience, he annually earned 10 points. He received 20 more from 2015 to 2017. The amount of accumulated IPC: 7.39 + 7.83 + 8.26 = 23.48. By law, a minimum of 15 is required. In the next 7 years, the employee will accumulate another 77.4 points. In total, 107.44 points are taken into account. At current prices, the top manager's pension will be the same as in the previous example.
The number of IPCs is recalculated annually. This indicator depends on the level of salaries and marginal deductions, which grow much faster. In 2015, they increased by 14%, and the average salary - by 9%. Therefore, you should not rely on state benefits in old age, but think about other ways to accumulate a pension.
New conditions
The individual pension coefficient is a kind of assessment of a person's labor activity in points. Each year, the government sets the value of 1 point, indexing it to rising prices. The labor pension consists of a fixed payment and a part that depends on the IPC. The cost of 1 coefficient on 01/01/2016 is 74.27 rubles. The amount of the fixed payment is 4558.93 rubles. To receive benefits in 2016, a person must:
- Reach a certain age.
- Have insurance experience of 6 years.
- Accumulate 6.6 points.
If at least one of the conditions is not met, then the person has the right to receive only a social pension.
Advantages and disadvantages
The main dissatisfaction of the experts is that it will be possible to determine the size of the future payment only before. This amount will be calculated as the product of the accumulated IPC by their value in the year the payment is made. The latter indicator is calculated by dividing the planned income of the Pension Fund by the sum of the accumulated points of all pensioners.
In fact, the valuation of the individual pension coefficient (IPC) of the insured person will depend on the income of the PF. This will minimize the risk of deficiency. At the same time, experts argue that the calculation method is not fixed by law.
The second problem is that Russians do not yet perceive the new reform in a meaningful way. In developed countries, a lot of time is devoted to explaining all the nuances to the population.
The minimum length of service is gradually increasing (by 12 months annually). By 2024, it will be 15 years. With such experience, 95% of the population apply to the PF.
The total benefit payable is calculated using the formula:
Pension \u003d (FV x K) + (IPK x K) x ST, where:
- PV - fixed payment;
- IPC - accumulated points;
- K - premium for late retirement;
- CT is the cost of a unit of IPC.
Differentiation of calculations
The question has been raised repeatedly. Supporters argue their point of view by the need to reduce the PF deficit. Opponents argue that for a later retirement, it is necessary that the population had a decent standard of living. To stimulate the population, the state sets high IPC and increasing coefficients for a fixed payment. It is also planned to revise the list of professions whose representatives will have access to early retirement, working conditions (increased IPC will be established for the harmful class) and the amount of insurance premiums (the more dangerous the class of work, the higher the tariff). This will balance the system and provide the Pension Fund with sources of early payments.
Hello dear editor! I have a question about the amount of the pension. In early September of this year, I celebrated my 60th birthday. I was assigned a pension of 9264.60 rubles. With 40 years of experience, I expected more. That is why I continue to work. No matter how I tried to figure out whether my pension was calculated correctly, I did not understand where this amount came from. My data are as follows: as of 01/01/2002, the experience was 32 full years, including 21 years before 01/01/1991. Average monthly salary for 2000 - 2001 amounted to 2795.60 rubles. according to an extract from my personal account in the Pension Fund (calculated at the reception by a specialist in the pension department). Insurance premiums from 01/01/2002 until the day the pension was assigned (I also found this amount in the extract) - 383,705 rubles. I ask you to explain how I calculated such a pension. A. I. Seregin.
WHAT IS THE FORMULA FOR CALCULATION?
Let me remind you that starting from January 1, 2010, the old-age labor pension (let's denote it by the symbol P) for citizens who started working before January 1, 2002, is determined by the formula: P \u003d FBI + SCH1 + CH2 + .SV.
FBI - a fixed basic pension, it is set by the state in a fixed amount.
SCh1 - the insurance part of the pension, which is calculated from the length of service and earnings for the period of work until 2002.
SC2 - the insurance part of the pension, which is calculated from the amount of the employer's insurance premiums for the period of work from 2002 until the date of the pension.
SV - the amount of valorization, determined as a percentage of SCh1. This percentage depends on the total years of service before 1991.
With the last indexation of labor pensions from February 1, 2011, the FBI old-age labor pension was set at 2,963.07 rubles.
And now we calculate the remaining terms in the calculation formula.
SC = 0.55 (for 25 years of service for a man before 2002) + 0.07 (for 7 years of work over 25 years) = 0.62.
Now we consider the ratio of the average monthly salary of a reader to the average salary in the country for the same period.
The average salary in Russia (SW) for 2000 and 2001, according to statistics, amounted to 1494.5 rubles.
It turns out that the ratio of earnings (SR) to the average salary in the country (SR) for the same period is:
ZR: ZP = 2795.60 rubles: 1494.50 rubles. = 1.87.
As you can see, Seregin's salary ratio is favorable - higher than the maximum possible ratio of 1.2 provided for pensions for work under normal conditions.
The exception is established by law only for the "northerners". They can have it higher - from 1.4 to 1.9 (depending on the work in which region of the North a pension is accrued).
Art. 30 of the Federal Law "On labor pensions in the Russian Federation"
It should be recalled that on 01.01.2002 the Government of the Russian Federation set the size of the average monthly salary in the Russian Federation for calculating the pension capital (the same for everyone). It is 1671 rubles.
The size of SCh1 as of 01.01.2002 is calculated according to the formula:
SC1 \u003d SK x (ZR: ZP) x 1671 rubles. - 450 rubles.
450 rub. - the amount of the basic part of the pension as of 01.01.2002 (it is also the same for all pensioners).
Based on this, MF1 as of 01/01/2002 = (0.62x1.2x1671 rubles) - 450 rubles. = 793.22 rubles.
To do this, we index (increase) the amount of SC1 obtained as of January 01, 2002 for all pension capital indexation coefficients from 2002 to 2011.
SCh1 on the date of the pension assignment = 793.22 rubles. x 4.2542 = 3374.52 rubles.
The third component of the pension SP2. To calculate it, the insurance premiums accrued by the employer on the date of the pension assignment must be divided by the number of “survival months”. We know from the letter that its author's amount of accrued insurance premiums, taking into account indexations, as of the date of appointment amounted to 383,705 rubles.
The amount of the expected payment period (T) depends on the year of assignment of the labor pension.
For the appointment of pensions in 2011, it is set at 224 months. Thus, the size of the SC2 of the author of the question was:
MF2 = 383,705 rubles: 204 months = 1880.91 rubles.
Table of average wages in the RSFSR in 1970 - 90
VALORIZATION AMOUNT
Knowing the MF1, we can now determine another component of the pension - the amount of valorization (CV).
First, we consider what is the percentage of valorization of the pension of the reader Seregin: 10% (for having experience until 2002) + 21% (for 21 years of service until 1991) = 31% (0, 31).
SV = 3374, 52 rubles. (SCH1 size) x 0.31 \u003d 1046.10 rubles.
SUMMARIZE
We add up the amounts received and get the pension of our reader A. I. Seregin:
P \u003d 2963.07 + 3374.52 + 1880.91 + 1046.10 \u003d 9264.60 rubles.
IF IN 2000-2001 YOU DID NOT HAVE A PAYMENT...
It may turn out that 2000-2001. for some reason you did not work or your average salary during this period was less than 1794 rubles. (the average salary in the country for these years is 1494.50 rubles x 1.2). Then you will have to submit a salary certificate for any 60 months before 01/01/2002.
The amount of the pension takes into account the ratio of the pensioner's salary to the national average for the same period.
You can determine the profitable period yourself by comparing the data from the certificate with the average (see tables 1 and 2).
Let's say your salary certificate for 60 months was issued for the period of work from July 1, 1979 to June 30, 1984. Add up all the amounts of accrued wages from the salary certificate and divide by 60 months.
After such simple calculations, it turns out, for example, that your average salary over the years was 198.50 rubles.
Now we determine the average salary in the country for the same period from the table.
The average salary in the Russian Federation from the table for the period e 07/01/1979 to 06/30/1984 = (168.4 rubles x 6 months + 174.0 rubles x 12 months + 178.3 x 12 + 184, 0 x 12 + 188.3 x 12 + 193.2 rubles x b months): 60 months = 181.08 rubles.
We consider the ratio of earnings, which will be taken into account in the pension:
198.50:181.08 \u003d 1.096 (and the maximum according to the law is 1.2). What to do in such a situation? Try to find a more profitable option for earning for another 5 years.
Average salary table in the Russian Federation
for calculating the size of the pension from 1991 to 2001.
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years |
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March |
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April |
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June |
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Today, young people rarely think about such a "distant" future as the retirement age. In addition, economic conditions are such that one has to choose between "life now" and "later." Only wise old people tirelessly repeat: retirement is just around the corner. How to secure a decent financial future for yourself, what payments to expect in old age, and how to deal with pension issues today?
Pension. How it was
Until 01.01.2015, the procedure for calculating an old-age pension in Russia assumed that the following conditions were met:
- achievement by a citizen of retirement age;
- the fact that a citizen has accumulated funds in the OPS - these are the funds that the employer paid monthly to the fund for the employee.
The funded and insurance parts were the single components of the labor pension, now they are two independent components. The old procedure for calculating pensions did not take into account seniority and thus equalized the pension payments of citizens. The new calculation formula includes more components and covers all the nuances.
Pension. What the worker should know
Since the beginning of 2015, a new procedure for calculating pensions has been introduced. 
Citizens who care about their financial situation in old age need to know the following:
- The retirement age has not changed. Women can start receiving a pension at the age of 55, men - 60.
- The later a worker retires after retirement age, the greater the amount of pension payments.
- To receive a pension, work experience is required. Today it is at least 5 years, and for those who will retire from 2024 - 15.
- Payments consist of several parts - cumulative and insurance. A citizen has the right to refuse to form a funded part and transfer all his deductions only to the insurance.
- The higher the official salary of a working person, the more he will receive a pension.
- The pension will be formed in points, then converted into money and paid to pensioners. A citizen retiring in 2015 must accumulate at least 6 points. For those retiring in 2025, the minimum score will be 30.
- For working citizens who have managed to earn a seniority and do not retire in 2015, the state guarantees the observance of all pension rights. Since 2014, there has been a conversion into individual pension coefficients (points).
Who and when can receive a pension
For more than a year, under the close attention of the whole country, the procedure for calculating pensions. A lot of talk is connected with this topic, people cannot understand and get used to innovations. Today in Russia there are the following insurance pensions: for old age, loss of a breadwinner and disability. 
Citizens retiring in 2015 will be the first to experience the reform. It is these people who will receive pensions according to the new calculations.
In 2025, all planned changes should be introduced and the procedure for calculating and paying pensions should be established.
Every Russian citizen who has reached retirement age, has seniority and has made the necessary contributions to the Pension Fund, is entitled to a labor pension.
If a Russian retiring did not have time to accumulate the required amount of work experience, accumulate the minimum number of points or “put together” a funded part for himself, he can only count on a social pension. It is impossible to receive social and labor (old-age) pensions at the same time. The social pension has a fixed amount, which is set by the state. By the way, in 2015 the amount of this pension benefit amounted to 4,769.08 rubles.
The structure of the labor pension
In order to understand what kind of pension you will receive, you need to know what it consists of. The procedure for calculating old-age pensions has undergone a major reform, and the Russians have not yet fully understood it. Let's try to clarify the question of what will be included in pension payments to citizens:
- Insurance old age pension. How to calculate your insurance pension is described in detail below.
- Fixed payout. The amount established by the state, subject to indexation and increases due to various factors (clause 1, article 16 of the Federal Law). Today, the amount of the monthly fixed payment is 3,935 rubles.
- Accumulative part. A detailed description of the cumulative part is below.
These are the three components of the pension of working citizens. How to influence the size of each, except for a fixed payment, is explained by the legislation of the Russian Federation and this article.
Learning how to save for a pension. Accumulative part
Everyone remembers how there were calls from TV and radio screens to decide on the future procedure for the formation of their own pensions. State and private funds were fighting for deductions from citizens. Let's brush up on this issue, as it is included in the calculation of the old age pension. 
The procedure for calculating pensions provides for two independent parts: funded and insurance. The total amount of pension payments will depend on their size.
The funded part of the pension of today's hard workers is under their control. Every citizen who has not yet turned 48 in 2015 must decide what to do with the funded part of his pension. It can be left as part of the insurance pension in the department of the state pension fund or transferred to a non-state fund (NPF). The essence of a funded pension is that a citizen makes contributions to the account, and they increase (or not, as lucky) thanks to the chosen NPF. It is very important to choose a reliable fund so that the funds are protected and the person is guaranteed not to suffer losses.
The funded part will be paid monthly and is not a barrier to obtaining other social benefits, such as a special pension for civil servants.
Having formed the funded part, old-age pensions will also be available to citizens whose work experience has not reached the minimum bar. Deductions for the funded part are made by the employer from the 22% of the salary that he makes. Of these, only 16% goes to a citizen's pension, where 6% will be deducted for the funded part and 10% for insurance. Some large companies offer corporate pension plans to their employees. Their deductions are also summed up in the funded part. Plus, if a citizen has taken advantage of voluntary pension insurance, his funded part will be expanded. Women can transfer their maternity capital to the funded part.
It will be possible to transfer funds from the funded part from the NPF to the state fund.
In order to form his funded part, a citizen must submit an application to the FIU before December 31, 2015.
In order to receive payments under the funded part, you must contact the fund where it was formed all this time, submit an application and attach the necessary package of documents to it.
Accumulative part calculations
It is not difficult to calculate how many people will receive monthly from the funded part. For this, the entire amount of funds accumulated by him at the time of application is taken and divided by the “survival period”. It is revised by the government based on statistical data. Today, the survival period is 228 months, although the later you apply for a pension, the less it will be, and the monthly amount of payments is greater.
Example. The citizen celebrated his sixtieth birthday and applied for a pension. By this time, he managed to gain more than 20 years of experience and save 350 thousand in the NPF. When calculating the pension, his length of service will not be taken into account. Interest will be added to the accumulated funds (if any) and the resulting amount will be divided by 228, the person will receive the result as a plus to his social pension.
The accumulative part can be inherited if its owner did not have time to use it during his lifetime or did not live to see it at all.
So, a funded pension is the money that a citizen sets aside for himself, plus the fund's interest for using the funds. These funds are returned to the pensioner in monthly installments. If a citizen set out to form a funded part, but he did not succeed (for various reasons), and the amount of the funded part does not exceed five percent of the insurance pension, then the funded part is paid as a lump sum.
insurance pension
The insurance pension receives the lion's share of the employee's contributions - 10% or all 16% if the citizen refused to independently form the funded part.
The main thing you need to know about the insurance pension:
- contributions to the insurance pension are made by the employer at the choice of the citizen in the amount of 10% or 16%;
- this pension is controlled by the state, due to which it is considered more stable; investments will not be invested, but will be annually indexed not lower than inflation;
- the pension will be calculated in points, after which it will be converted into cash and issued to pensioners;
- in order to receive an insurance pension, it is necessary to have an established minimum length of service;
- this pension is not inherited.
Now let's take a closer look at the most difficult issues: points and pension calculation.
Points. Is work for the ticks coming back?
The procedure for calculating pensions in Russia has changed significantly since January 2015. A new concept is introduced - the "annual pension coefficient" (APC). This thesis will be used when evaluating each “working” year of a Russian. 
To calculate the CPC or points, the ratio of the annual salary of a citizen, with which he paid contributions to the fund, and the maximum salary, with which employers make contributions to the OPS, is taken.
It is important to note that a citizen can make contributions to the insurance part in the amount of 10 or 16% of the salary, depending on which formation procedure he chooses.
Only the “white” salary before the deduction of 13% tax is taken into account in the calculation of the CPC.
It is very difficult to figure out the scores on your own. For the convenience of citizens, a calculator is installed on the official website of the PFR, which instantly calculates the annual score.
It is noteworthy that the new procedure for calculating labor pensions includes the years of life of citizens devoted to:
- service in the armed forces of the country;
- caring for children up to one and a half years;
- care for the disabled and citizens over the age of eighty.
The cost of one point (GPC) is indexed annually and set by the government. In 2015, the cost of one point is 71.41 rubles. The maximum annual number of points, which is taken into account in the future, is 10.
Calculation of the insurance pension
To calculate the insurance pension, you must perform the following operations:
If a citizen continues to work after reaching retirement age, his pension payments increase.
For example: citizen Ivanova retires at the age of 55, while her work experience is 15 years, and the number of points is 140. We multiply 140 by 71.41 rubles and add 4,383.59. Today, Ivanova's pension would be 14,380.4 rubles.
Other social pensions
Social pensions include such a subspecies as a disability and survivor's pension. The procedure for calculating a disability pension depends on whether a citizen has work experience. The grounds for assigning a pension for disability and loss of a breadwinner have not changed.
The procedure for calculating the military pension
Previously, the pension for military personnel was accrued after 20 years of service and amounted to 50% of the salary, including additional payments. 
In 2015, the procedure for calculating pensions for military personnel has changed. Now pension payments will be indexed annually by 2%.