How is pension calculated? Year of birth 1961. Calculate pension online. General procedure for calculating pension payments

Instructions for using the retirement calculator in a new way

1. Select gender and date of birth.
2. If you have experience that gives you the right to early retirement, then indicate it too.
3. Click "CALCULATE". From the result you will find out: your retirement date, how old you will be at that moment and how many more years you need to work before retirement.

About the Retirement Calculator

The purpose of the pension calculator is to help in calculating the formation of the pension length of service and the timing of retirement.

IMPORTANT! Our pension calculator was created taking into account the amendments made to the legislation of the Russian Federation, known as the Pension Reform, adopted by the State Duma of the Russian Federation and signed by the President on October 3, 2018.

Scope of application

Using the calculator, you can easily calculate the retirement date of any citizen. The calculator is especially important for people of pre-retirement age, since it is their retirement that will be regulated according to a special grid, based on the gradual implementation of the provisions of the pension reform.

Various types of pension calculators are very common on the Internet, which is explained by the increased interest of citizens in the issues of calculating pensions. However, it should be remembered that there is no calculator, which could at least approximately reliably calculate the size of your future pension payments. This is due to many reasons, the main one of which is the extreme opacity of the calculation system pension savings, practiced by the Pension Fund of Russia.

Legislatively, factors that directly affect the amount of accrual of an insurance pension include:

1. The salary of a future pensioner or declared income for self-employment.
2. Duration of experience.
3. Socially significant periods of life, which include service in the Armed Forces, maternity leave, and parental leave.
4. The method chosen by the future pensioner pension provision in the compulsory pension insurance system.
5. Continuation labor activity after reaching retirement age.

All these factors are constantly undergoing changes, and a radical change pension system The Russian Federation introduces changes almost daily.

Therefore, the only reliable calculations of the calculator can be provided only in part:

1. projected year for retirement;
2. retirement age;
3. the minimum length of service required for retirement.

Retirement age

The pension reform, along with raising the age limit, also provided for the gradual pensioning of those who, at the time of the introduction of the reform, had either already reached the required age or were approaching it. In accordance with the stages of the reform, the age increase provided for by the reform will occur according to the formula 1/1, that is, once a year for a year. The total period for introducing reform conditions will take 9 years.

Men born in 1959 and women born in 1963 are eligible for pension innovations. Those born before these years are not threatened by the reform, even if they continue to work. This is due to the fact that the reform does not provide for retrospectiveness, that is, retroactive effect.

The phasing is reflected in an extremely simplified manner in the following diagrams for men and women.

Men:

Women:

That is, starting from 2028 (of course, if everything goes as the Government and the State Duma assume), the introductory period will end and Russians will begin to retire immediately upon reaching the appropriate age.

Experience for retirement

Pension legislation provides for the inclusion in the pension period of not only time directly occupied by work, but also periods classified as so-called “socially significant”. The latter include years of a citizen’s life occupied with matters important to society and the state as a whole - service in the Armed Forces, giving birth and raising children, caring for a sick or elderly relative, etc.

The pension reform provides for an increase in the required minimum experience as phases of raising the retirement age come into effect. In accordance with the stages given in the tables above, the stages of increasing the minimum length of service required for retirement are also distributed. The decision of Russian legislators to establish equal requirements for women's and men's length of service seems somewhat incorrect, and, perhaps, over time some modifications will be introduced in this part, but at the moment the stages of increasing the length of experience are as follows:

Point system

Calculating pension points is a very labor-intensive process, the algorithms of which, although given in pension legislation, are actually known only to employees of pension funds.

It is also difficult to calculate the number of points because each year the required minimum points increase by 2.4 points. If in 2015 about 7 points were enough to retire, then by 2025 potential retirees will have to have at least 30 points.

Moreover, different kinds work activity and significant periods in life give different numbers of points, regulated by various legislative acts. Whether this was done intentionally or accidentally, the fact remains that an accurate independent calculation is impossible.

Currently, at the level of the State Duma and the Government of the Russian Federation, there is intense discussion of the abandonment of the point system, and one should think that after raising the retirement age, a waiver of the procedure for accumulating points will be introduced. Therefore, no matter how many forecasts the calculators give, no matter how many calculation tables are given, most likely they will turn out to be unnecessary.

Exceptions

Like any rule, pension changes There are exceptions, that is, those cases in which innovations will not be applied, although some look completely illogical. Exceptions include:

1. Savings pensions. Pre-retirees will have the right to use accumulated funds from the moment they reach retirement age under the old legislation, that is, from 55 and 60 years, depending on gender. In this case there is a slight limitation. The right to use savings can arise only if you have a minimum experience of 15 years and a number of points of at least 30.
2. Insurance pensions for beneficiaries who retain the right to early retirement. In addition to those employed in hazardous industries (lists 1, 2), they will also include drivers of heavy trucks at mines and mines, field geologists, logging workers, female asphalt layers and crane operators, railway drivers (including metro) who directly transported passengers , port dockers, public transport drivers, fishermen, miners, workers civil aviation, directly involved in providing flights, operational employees of the Ministry of Emergency Situations, workers of correctional labor colonies.
3. State pensions. The changes will not affect persons who liquidated the Chernobyl accident, persons injured as a result of the Chernobyl accident, as well as their close relatives - family members.
4. Pensions of civil servants. For this category of future pensioners, starting from 2018, their own step-by-step schedule will be introduced, which involves increasing the retirement age by six months each year until the maximum values ​​are reached.

Medical and pedagogical workers

Significant changes await workers in the medical and teaching fields. If before the changes introduced to the legislation, these categories of workers could retire upon reaching special teaching or medical experience, then, starting from 2019, they will be able to use their right to early retirement only 5 years after they have accumulated the same 25-30 years of experience in the specialty.

A phased regime for raising the retirement age has also been introduced for doctors and teachers in accordance with the table below:

Thus, starting from 2023, all doctors and teachers will be able to declare their desire to go on vacation only 5 years after completing this experience.

Northerners

Citizens who worked in the conditions of the Far North or equivalent to them also received their “five-year plan”. Now their retirement age will increase by exactly this figure and will be 55 and 60 years (depending on gender).

“Staging” of the retirement age, in order to avoid shock, is also provided for northerners. It generally corresponds to the stages for all other citizens, with the exception that northerners will still retire on preferential terms.

Northern men:

Northern women:

Mothers of many children

Pension benefits under the new legislation will be provided to women classified as having many children, regardless of the status of the children - natural or adopted. Each child, starting from the third, will give his mother 1 grace year.

Three children will give the mother 3 grace years, that is, the opportunity to retire at 57 years old, if there are no other benefits.

Four children will give the mother 4 years of benefits, which will allow her to retire four years earlier than citizens who do not have benefits.

Pensioning for women who have given birth or adopted five or more children will not undergo any changes and will take place at the age of 50.

Experience under List 1 for men and women

If you have such length of service, you can retire early, according to the table below.

Experience according to List 2 for men and women

If you have such length of service, you can also retire early, according to the table below.

Experience in the Far North for men and women

If you have “northern” experience, you can retire early, according to the table below.

For teachers, doctors, artists and residents of the Far North

The retirement age is gradually increased according to the table below.

In the system of compulsory pension insurance, insurance pensions and pension savings are formed for working citizens. There are three types of insurance pensions: old age, disability, and loss of a breadwinner. Payments from pension savings are assigned and paid in the form of an urgent or one-time pension payment or a funded pension.

The pension rights of citizens are formed in individual pension coefficients. All previously formed pension rights were converted without reduction into pension coefficients and are taken into account when assigning an insurance pension.

Conditions for the emergence of the right to insurance pension for old age general conditions are:

• reaching the age of 65 years - for men, 60 years - for women (taking into account the transitional provisions provided for in Appendix 6 to Law No. 400-FZ). Certain categories of citizens have the right to receive an old-age insurance pension early;
• for persons holding government positions Russian Federation and government positions of constituent entities of the Russian Federation filled on a permanent basis, municipal positions filled on a permanent basis, positions of the state civil service of the Russian Federation and municipal service positions - the age specified in Appendix 5 to Law No. 400-FZ. Already in 2017, the process of raising the retirement age for civil servants began six months a year to 65 years (men) and 63 years (women). From January 1, 2021, the increment in the retirement age will increase - one year per year. Thus, retirement age for civil servants is brought into line with the proposal for the rate of increase in the generally established age for all.

Moreover, if such persons have insurance experience of at least 42 and 37 years (men and women, respectively), an old-age insurance pension can be assigned to them 24 months before reaching the specified age, but not earlier than reaching the age of 60 and 55 years (men and women, respectively ).

Citizens who are specified in Part 1 of Article 8, paragraphs 19 - 21 of Part 1 of Article 30, paragraph 6 of Part 1 of Article 32 of Law N 400-FZ “On Insurance Pensions” and who, in the period from January 1, 2019 to December 31, 2020, have achieved age giving the right to an old-age insurance pension (including its early assignment) in accordance with the legislation of the Russian Federation in force before January 1, 2019, or they will have acquired experience in the relevant types of work required for the early assignment of a pension, an old-age insurance pension may be appointed before reaching the age or the onset of the deadlines provided, respectively, by Appendices 6 and 7 to the said Federal Law, but no more than six months before reaching such an age or the onset of such deadlines.

The number of pension coefficients depends on accrued and paid insurance contributions to the compulsory pension insurance system and the length of insurance (work) experience.

For each year of a citizen’s labor activity, subject to the accrual of insurance contributions for compulsory pension insurance by employers or personally paid by him/her, pension rights are formed in the form of pension coefficients.

The maximum number of pension coefficients per year from 2021 is 10, in 2019 – 9.13.

How many pension coefficients
can be charged to you for 2019?

Enter your monthly amount
wages before personal income tax:

How to calculate an old-age pension?

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February 15, 2012 09:58

In accordance with the current pension legislation The old-age labor pension may consist of the following parts:
- the insurance part (until January 1, 2010, the basic part was also established and paid labor pension for old age, after the specified date it was combined with the insurance part in connection with the abolition of the single social tax);
- the funded part (this part of the pension will be established for persons entitled to it no earlier than 07/01/2012).
The size of the insurance part of the old-age labor pension is determined by the formula:

PC1 - the amount of insurance contributions received by the Pension Fund of the Russian Federation for the insured person, starting from 01/01/2002;
PC2 - part of the estimated pension capital, calculated taking into account length of service and earnings before 01/01/2002 (hereinafter referred to as pension capital as of 01/01/2002)
SV - the amount of valorization, which is 10% of the value of PC2, plus if you have work experience before 01/01/1991. for each full year an additional 1%.
PC2- is calculated using the following formula:

RP-calculated amount of labor pension as of 01/01/2002;
450 - the amount of the basic part of the old-age labor pension, which is established by the legislation of the Russian Federation as of January 1, 2002;
T is the number of months of the expected period of payment of the old-age labor pension (for 2002 it is 12 years (144 months), increases annually by 6 months and by 2013 will be 19 years (228 months)).
In addition, the pension capital as of 01/01/2002. (PC2) is subject to multiplication by all indexes for increasing the insurance part of the labor pension from January 1, 2002 to the date of assignment of the pension.
In turn, the estimated size of the labor pension (RP) depends on the length of work experience and wages. RP is determined for men who have a common seniority at least 25 years and for women with a total work experience of at least 20 years, according to the formula:

RP= SK*ZR/ZP*SZP, where

PC2=1183.07-450*216=158343.12
The pension capital received by calculation is indexed to 02/01/2012. (on the date the pension was assigned) and we get PC2 on the date the pension was assigned:

PC2 on the date of pension assignment = =158343.12*1.307*1.177*1.114*1.127*1.16*1.204*1.269*1.1427*1.088*1.07=
721026,71
After calculating PC2, we determine the size of valorization (SV):
The applicant had until 01/01/1991. 14 years of experience have been developed, respectively, the valorization percentage is 24 (14% for experience before 1991 + 10% for experience before 2002)
721026,71*0,24 (24%)=173046,41
The employer transferred the amount of insurance premiums for the insured person, starting from 01/01/2002, in the amount of 185,000 rubles (PC1).
Let's calculate the estimated pension capital on the date of pension assignment (PC):
PC=PC1+PC2+SV=185000+721026.71+173046.41=1079073.12
As a result, the size of the insurance part (IP) will be equal to the sum of the fixed base size of the insurance part of the old-age labor pension (B), established on the date of assignment of the pension, and the estimated pension capital (as of the date of assignment of the pension (PC), divided by the period of payment of the pension (T ) (MF= PC/T+B)
B - established by the Government of the Russian Federation as of 02/01/2012. equals 3170.48.
SCH= PC/T+B=1079073.12/216+3170.48=8166.19
Thus, on the date the pension was assigned, its amount was 8166 rubles 19 kopecks.
In the future, the calculated pension amount will be constantly indexed taking into account rising prices in accordance with regulations of the Government of the Russian Federation.

Calculation of pensions for those born in 1960

Born in 1960 and 1961: how pensions are calculated

In recent years, the Pension Fund has increased expenses as the number of people reaching retirement age has increased. Men can take a well-deserved retirement in the Russian Federation from the age of 60, women - from 55. Until this year insurance premiums were divided into two types - basic and cumulative. The last type, the state wanted to invest in projects in different directions so that inflation would not affect the funds being deferred. But this did not have the desired effect and led to the state's debt to pensioners. As part of this particular pension reform, new options for replenishing and repaying debt have been proposed.

To understand the issue of payments thoroughly, we suggest that you familiarize yourself with the new payment rules, find out who is entitled to receive how much, and other clarifying information. Having collected the opinions of lawyers, ordinary people and people specializing in pension issues, we want to clarify and open this topic for everyone who is interested in the situation of pensioners in Russia.

Calculation of pensions for those born in 1960

Calculation of pensions for those born before 1967: procedure for registering accruals

The third condition for receiving insurance benefits is individual coefficients. This is the number of points earned over 12 months or those periods that are included in the length of service. These coefficients are calculated depending on a person’s salary, subject to his official employment. The more wage, the higher the odds. The main condition is that before retirement the coefficients should not be less than 30.

• persons who worked in underground structures or in workshops with elevated temperatures, under particularly difficult working conditions;
• women who worked at high intensity or operated heavy equipment;
• railway workers;
• geological prospectors, search engines;
• working sea and river vessels;
• miners;
• aviation industry workers;
• rescuers;
• teachers;
• doctors working with the population.

Pension calculator

The actual amount of the insurance pension is calculated by the Pension Fund of the Russian Federation when applying for its appointment, taking into account all the generated pension rights and benefits provided for by pension legislation on the date of assignment of the pension. For example, for disabled people of group I, citizens who have reached the age of 80, citizens who worked or lived in the Far North and equivalent areas, the insurance pension will be assigned in an increased amount from the calculated amount due to the increased size of the fixed payment or the use of “northern” coefficients

These results of calculating the insurance pension are purely conditional and should not be perceived by you as the real size of your future pension. To make the results easier to understand, all calculations are performed under constant conditions in 2019. For calculation purposes, it is accepted that the entire period of formation of your future pension rights took place in 2019 and you were “assigned” an insurance pension in 2019, taking into account the life plans you personally indicated, and also on the condition that you will “receive” all the years of your working life the salary you specified.

How will the pension be calculated for those born in 1960?

To approximately calculate the final amount of the pension, you need to use the following formula: the amount of accrued contributions at the time of retirement age for the insurance and funded (if any) parts of the pension, divided by 228 months (survival period). To this number you need to add the fixed basic size of the labor pension (in 2013 it was equal to 3610.31 rubles, and for preferential categories of citizens it was set at increased size). The result will be a monthly old-age pension (Article 14 of the Federal Law of December 17, 2001 No. 173-FZ “On Labor Pensions in the Russian Federation”).

Many people stop working after reaching retirement age and live on their pension alone. However, the state is not very happy with this state of affairs. Since the number of pensioners in relation to the working population is growing, this means that the expenses of the Pension Fund are also increasing, which, in case of a deficit, is replenished from the federal budget.

Pension calculator Online

1. The results of pension calculations are purely conditional and are intended only to familiarize yourself with the amount of your future pension. For a more accurate calculation, we recommend contacting the pension fund.
2. All calculation data: odds, point cost, fixed payment amount, which are used in the calculator, are shown on January 1, 2019. This means that for the entire period of work experience that you indicate in the calculations, the values ​​of the coefficients, fixed payments, your salary, etc. will apply. taking into account 2019 indexation.
3. The calculator will be more useful to those users who are just starting their work experience.
4. When calculating, it is conditionally assumed that in 2019 you have the right to receive a pension with the data you entered.
5. If you need to pre-calculate the GIPC, you can do so on this page.

When calculating the conditional amount of the insurance pension, we use
the following indicators for 2018:

• Fixed payment - 4982 rubles. 90 kopecks
• The cost of 1 pension coefficient is 81.49 rubles.
• Maximum salary before personal income tax,
  subject to insurance contributions - 85,083 rubles per month

How to calculate a pension from 2015 for women born in 1960

In the Russian Federation, the retirement age for women is 55 years. Shortly before reaching this age it is necessary to collect necessary documents to apply for a pension, however, a prerequisite is the presence of at least five years of insurance experience.

What is insurance experience? This total number years of work of a potential pensioner, during which employers carried out insurance payments to the Pension Fund, as well as other periods that the pensioner can document.

To date, there have been some changes in the calculation of pension payments. Thus, for women born in 1960 who reached retirement age in 2015, pension calculation will be carried out in a different way - according to the system of accumulating individual points. Points will be awarded to pensioners in accordance with their length of service. Accordingly, the longer the work experience, the large quantity points will be on your account. The maximum number of points that can be obtained in a year is 10. At the time of retirement, the accumulated points are summed up and multiplied by their value. The cost of points is calculated by the State every year in accordance with the inflation rate. For example, in 2014, 1 point was equal to 64 rubles.

As mentioned above, to receive pension payments you must have a minimum insurance period of five years. This is enough to obtain a labor pension, but its size will not be large, because the higher the length of service, the greater the amount. In addition to length of service, the size of the pension is also affected by the amount of wages and the age of application. That is, the later you contact the Pension Fund for payments, the higher the future pension will be indexed.

What documents will be required to apply for an old-age pension in 2015?

So, you need to submit the following documents to the Pension Fund:

• application on a special form;
• identification;
• work book, which indicates the periods of working years;
• certificates from each place of work on the average monthly salary for 60 consecutive months until 2000-2001;
• pension insurance certificate.

Documents must be submitted one month before retirement age. And in order to calculate the amount of their pension payments, any interested potential pensioner can register on the official website of the Pension Fund of the Russian Federation and make the calculation there using a special calculator.

How is pension calculated for those born in 1961?

• When entering fractional numbers into the fields of the calculator - length of service, earnings ratio (ER), etc. - they should be entered through a period. For example, if the length of service before 1991 was 5 years and 3 months, i.e. 5 full years and 3/12 (1/4) years, then enter 5.25 in the appropriate field. If your SPV is 0.9, then enter 0.9 in the appropriate field. This rule - entering decimal fractions with a period (rather than a comma) applies to all fields of the calculator.
• The actual pension accrued to you in the Pension Fund may differ slightly from the calculated one. This is due to the fact that some data - length of service, average monthly salary and others, which you enter from memory, are not reflected in the PF on your ILS or do not have documentary evidence.

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Not everyone can calculate the amount of their old-age pension on their own. Insurance, pension, funded pension, fixed payment - for most they sound abstract and difficult to understand. The formulas for calculating a pension, or rather about one and a half dozen formulas, do not allow one to understand or independently assess its size. Since 2015, the procedure for assessing pension rights has also changed. The assessment of pension rights for periods before 2015 is carried out on the basis of Federal Law No. 173-FZ “On Labor Pensions in the Russian Federation”, and calculations for periods after 2015 are carried out according to new rules - based on Federal Law No. FZ-400 “On Insurance Pensions” . Official information set out in laws and commentaries to them does not clarify the picture, but rather complicates it. We decided to make this task easier and developed a special pension calculator for users, designed to calculate the size of the old-age retirement pension. We will be grateful to everyone who expresses their comments and suggestions for its improvement or notices inaccuracies in the calculations.

Before applying what you read, consult with professionals, because... the legislative framework changes very quickly.

Approaching the 55-year mark inevitably raises thoughts about the size of your future pension. A brief overview of changes in the pension accrual system as of the beginning of 2016 allows us to conclude that the amount of money corresponds to the number of points accumulated over the previous period. If retirement has already occurred, then there is nothing to worry about, since the new formulas have been applied automatically. However, the final size of the pension is determined by the choice of the future pensioner - whether she formed savings part or the entire amount of contributions has been sent.

How are pension payments calculated using the example of a woman born in 1961 who is planning to retire in 2020?

Until 2014, 6% of wages was transferred to savings accounts, but by the end of 2015, each citizen had to decide which option the payments would go to in 2020. The law provides for the option of the previous division of the pension contribution - 10% by insurance part and 6% for savings, which can be invested in highly profitable projects. However, there remains a risk of “burning out” with this invested part or not even winning back the inflation rate. The second option provides for a full transfer of 16% towards the formation of an insurance pension. To protect this amount from inflation, an annual mechanism is provided.

The formula for calculating the size of a future pension is extremely simple: the number of points accumulated by the time of retirement is multiplied by the current value of this point. So, as of 2020, the cost of a point is 74 rubles. Points are counted for each year worked according to its own system, however, in order to be able to retire with a minimum payment, you must collect at least 30 points in total over several years. The resulting amount will be added to the fixed rate of a little more than 4.5 thousand rubles. This amount is also subject to annual indexation.

Let's look at an example of how points are awarded for each year worked:

• determine the incoming payment percentage - 10 or 16; in our example, let’s assume that the share of transferred contributions was 16%;
• the amount of contributions received is calculated from the amount of annual earnings, for example, if the annual income was 200 thousand rubles, then 32 thousand rubles were transferred to the pension account;
• this value is correlated with the maximum limit of 113,760 rubles that can be paid per year per citizen, and is multiplied by an adjustment factor of 10 - in our example, the sum of points is 2.8.

At the same time, the legislation allows for a number of other restrictions. Thus, the number of points for 1 year cannot exceed 10, and until 2020 there will be a limit of 7.49 points per year of experience. However, women retiring in 2016 began their working careers even before all these pension reforms. Therefore, for them, the amount accumulated in the insurance account will be divided by the accepted point price. This value will be taken into account as the conditional total number of points.

The pension earned before the introduction of the new accrual system takes into account both the employee’s length of service and the level of his official salary. In this case, the formula acquires next view: wages are multiplied by the length of service coefficient, and then divided by the ratio of the actual wage to the national average. To determine the required amount of financing, the resulting value will be multiplied by the expected payment period, which has been increased from 144 months to 228.

In addition to the coefficients for length of service, women born in 1961 will receive allowances for disability, large families, etc. However, the priority is the availability of official income during the entire period of work. At the same time, the level of this earnings had to grow in accordance with the indexations made to the level of inflation, otherwise the amount in the insurance account would be insignificant, and the number of points for further calculations would be scanty.

Despite quite a large number of information in the media about the reform of the pension system, for most the difference between labor and pension remains unclear, many do not understand what a pension point and bonus coefficient are. Also, citizens are quite skeptical about non-state pension funds (NPFs) - often because of the word "non-state". But the most pressing question still remains pension calculation.

How is the pension calculated?

Until 2015, pension provision for working citizens and members of their families was regulated by Federal Law dated December 17, 2001 N 173-FZ. The old-age labor pension (this is the most common type of pension) consisted of two parts - funded and insurance.

However, in 2013 they adopted two laws, which actually identified the concepts "labor" And "insurance" pension.

• From January 1, 2015, citizens who have and are eligible under certain conditions are paid an insurance pension.
• In some cases (depending on the decision of the citizen himself), it is supplemented by another independent payment - a funded pension.

The procedure and conditions for assigning these pensions are outlined in Federal Laws N 400-FZ and N 424-FZ (for insurance and funded pensions, respectively).

The main changes that the year brought were new pension calculation formula, as well as requirements for. According to these requirements, in order to receive an old-age insurance pension, a person must:

• have insurance experience in 2019 (periods when Pension Fund Russia has received insurance contributions from employers) for at least 10 years, and until 2024 inclusive, this requirement will increase by one year annually;
• availability of the required number of pension points (value in the new formula) from 16.2 in 2019 and further to 30 in 2025;
• achieve the generally established age of 65 for and 60 for, taking into account the transitional provisions of the law (there are certain categories of citizens entitled to).

New formula for calculating insurance pensions

In order to navigate the new formula, it is necessary, first of all, to understand the terminology of the Federal Law “About insurance pensions”:

• (IPC or pension point) is a special value that depends on the amount of insurance contributions (and therefore on wages) paid by employers;
• - multipliers created to motivate citizens later than they have rights to it work according to simple principle: the longer you wait to retire, the more you will have;
• - a state-guaranteed amount, analogous to the fixed base amount in the law “On labor pensions in the Russian Federation”.

In general new formula The calculation of the old-age insurance pension can be written as follows:

SP = IPC x SIPC x K + FV x K, Where:

• JV- the amount of old-age insurance pension;
• IPC- the amount of pension points accumulated at the time of calculation;
• SIPC- the cost of the individual pension coefficient;
• TO- bonus coefficients (for fixed payments and pension points they have different values);
• FV- fixed payment.

The value of the individual pension coefficient (IPC)

To better understand the above formula, it is important to know how the number of pension points is calculated:

IPC = SV / SV max x 10,

This means that the primary task of future retirees is to accumulate as many pension coefficients as possible, because even in the case of indexation, the cost of the IPC will not fundamentally change.

Fixed payment amount

The fixed benefit (FB) is a guaranteed amount added to the insurance pension by the state. According to Part 8 of Art. 10 of Law No. 350-FZ, the amount of the fixed payment from January 1, 2019 is 5334.19 rub.

Under certain circumstances and conditions, the size of the PV can be further increased. These circumstances may be:

• establishment of disability group I or;
• having at least 15 years of experience Far North or areas equivalent to it;
• later (due to premium coefficients).

Below is a table that reflects the dependence of the value for a fixed payment on the period for which a citizen delays or suspends receiving pension payments:

As can be seen from the data presented above, if you do not retire within 10 years after receiving the right to it, but, for example, continue to work, then in addition to additional (and therefore pension points), the citizen will receive an increase in the fixed payment more than doubled.

But you need to understand, for example, that the average life expectancy in our country is 66 years, and you will have to wait until 75 - how profitable this is, each citizen must decide for himself.

How to calculate your old age pension yourself?

The calculation method, at first glance, is not complicated and consists of the following steps:

• We calculate the number of pension points based on the gross salary;
• if you plan not to retire after receiving the right to it, look for the required period in the coefficient table and multiply the number of pension points and the fixed payment by the corresponding values;
• multiply the cost of one individual pension coefficient by the number of points;
• We add the resulting amount with a fixed payment.

However, the whole difficulty lies in the fact that such quantities as a fixed payment, cost pension point and gross salary are not constant values: if the PV and the cost of the IPC only increase (indexed), then the salary changes many times over the course of a career.

Therefore, any calculations regarding the size of the future pension are approximate nature and serve only as a guide for citizens.

Citizen Ivanov, after graduating from university in 2018, was offered a job on January 1, 2019. He is 23 years old, the official salary will be 50 thousand rubles on average before taxes. He plans to work until retirement. A funded pension will not be generated. Let's calculate the amount of pension he will be able to receive upon reaching 65 years of age:

1. We calculate the insurance period: 65 - 23 = 42 years;
2. We calculate the number of pension points that Ivanov will receive in one year: (50,000 x 12 x 0.16) / (1,150,000 x 0.16) x 10 = 5.217 points, where
   • 12 - number of months;
   • 0.16 - insurance premium rate (16% when forming only an insurance pension);
   • 1,150,000 - the maximum contribution base in 2019 (Government Decree No. 1426 of November 28, 2018).
3. We multiply the number of points by the number of years that these points will be formed: 5.217 x 42 = 219.13 points;
4. We calculate the product of the number of IPK and its cost (according to data for 2019): 219.13 x 87.24 = 19116.94 rubles;
5. Let's add to this the amount of the fixed payment: 19116.94 + 5334.19 = 24451.13 - this will be the amount of the old-age insurance pension, calculated taking into account the 2019 standards.

Once again, it is worth noting that the calculations used the values ​​​​as of January 1, 2019. Taking into account the indexation of both the value of the pension point and the fixed payment, we can conclude that the pension will be slightly higher than the one obtained in the calculation (comparable with inflation).

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Formula for calculating funded pension

allocated the funded part of the labor pension to independent species pension payments. At the same time, citizens had a choice: or not. If the first option is chosen, then insurance premiums are divided: 10% of the gross salary goes to the insurance pension, 6% to the funded pension. In addition, future retirees had the opportunity to participate and further increase their savings. However, since 2015, the possibility of joining the program has ceased.

Please note that accumulated funds are not indexed by the state and are not protected from inflation, so you need to carefully consider the choice of the organization that will manage capital.

According to Article 7 of the Federal Law “About funded pensions” The formula for calculating a funded pension is as follows:

NP = PN / T,

• NP- the size of the funded pension;
• Mon- the sum of all pension savings in a special part of the personal account of the insured person (including savings formed with the help of maternity capital, state co-financing etc.);
• T- the expected period during which the pension will be paid, equal to 252 months in 2019.

The fees themselves funded pension depend on wages and make up 6%.

When citizen Petrov retired, his savings amounted to 300,000 rubles. To calculate the amount of payments, you need to divide the amount of pension savings by the period that the citizen will receive a funded pension:

300000 / 252 = 1190.48 rubles.

How to find out the amount of pension savings?

In the era of the Internet and communication technologies, there are quite a few ways to find out almost any information. Information on pension aspects is no exception:

• Now you can calculate your pension without leaving home and sign up for a consultation with the Pension Fund.
• And besides this, through your personal account on the official website of the Pension Fund of Russia, as well as through the bank (subject to the availability of appropriate agreements), you can find out the amount of your pension savings, which will be used to form your funded pension.

How long do you have to work to receive a given pension amount?

Of course the answer to this question is cannot be clear and depends on too many factors - the size of wages and fixed payments, as well as the cost of the individual pension coefficient. It is necessary to take into account the period in which the citizen retires, and whether he will suspend receiving it after its appointment, keeping in mind the bonus coefficients for the above values. In addition, there are allowances for working in the Far North, etc. Therefore, the calculation of the length of service required to receive a certain amount is the same approximate nature, as well as the calculation of the pension itself.

To answer this question First you need to create an algorithm by which the length of service will be calculated:

• We subtract a fixed payment from the pension amount;
• divide the remaining amount by the cost of the pension point - we get their number;
• from the formula for calculating the IPC we calculate the amount of insurance premiums;
• divide the MC by 0.16 and determine how much you need to earn for your entire work activity
• we divide what we get by the expected salary multiplied by 12 months.

If you want to know not the length of service, but the required salary, in the last paragraph you need to divide by the expected length of service.

Citizens A and B want to receive a pension of 20 thousand rubles. A knows for sure that he will receive a stable salary of an average of 40 thousand rubles, and B is sure that he will work until his retirement; he is 22 years old. How much does A need to work and what salary should B have so that they can receive the desired amount of payments?

For citizen A:

• 20000 - 5334.19 = 14665.81 rubles, where:
  • 20000 - expected pension size;
  • 4982.9 - the amount of the fixed payment as of January 1, 2019.
• 14665.81 / 87.24 = 168.11 (number of points), where:
  • 87.24 - cost of one pension point (rub.) from January 1, 2019;
• SV = 168.11 x 1150000 × 0.16 / 10 = 3093201.56 (the required amount of insurance contributions in rubles to assign the desired pension amount);
• 3093201.56 / 0.16 = 19332509.75 (the amount of money earned by A for his work activity);
• 19332509.75 / (12 x 40000) = 40.28 years - this should be the length of service of citizen A.

For citizen B:

Because We already know the amount he should earn (19332509.75 rubles), all that remains is to divide it by the number of years remaining for him until retirement: 65 - 22 = 43 years. Now, using an analogy, we calculate the salary required for the specified pension amount:

• 19332509.75 / (12 x 43) = 37466.10 rubles.

Pension calculation using the Pension Fund calculator

So, basic quantities influencing the final amount of payments are:

• “white” wages;

Thus, calculating the size of a pension is a purely mathematical matter: there are clear formulas and algorithms that need to be used to find out the number of pension points, the required length of service or the salary that will need to be received for a given amount of payment.

Therefore, despite all the apparent complexity modern technologies allow you not to resort to manual calculations - special people can do this for citizens calculator programs.

For example, for calculating pension using the Pension Fund calculator you only need to enter initial data, such as year of birth, official salary, pension option (tariff), number of children being raised, the nature and duration of your work activity - and the calculator itself will calculate the amount of the pension and display the result within a few seconds.

But it is worth understanding that the use of calculators does not provide an understanding of the structure of the pension system. All the nuances can only be understood if you delve into the legislation of the Russian Federation.