How to calculate a pension on a calculator?

Quite often, each of us hears the question: "How to calculate the pension?", Namely: how many rubles does it make, but few know the right answer. The thing is that this issue is very complicated. Each of us only guesses how to calculate a pension.

To get started, you need to read the detailed information on the calculation. Learning how to correctly calculate a pension is very simple, but it will take a little time.

Pension is paid monthly until the end of a person's life; it is necessary to provide residents with money income who are in old age and have the appropriate work experience. There are different types of pensions: disability, old age or the loss of a breadwinner. These types of pension payments are accrued monthly, and their amount is set by the state (for disability and loss of bread-winner). The length of service required to receive benefits also depends on the type of work.

As you know, the pension in our state is charged to men from the age of 60, while for women - from 55 years. It is quite difficult to calculate the amount of monthly pension income, but it is still possible. If you take as a basis the work experience of 20 years for a woman, and for a man - 25 years, then following the formula that will be specified in the example, you will be able to calculate your retirement monthly income taking into account the length of service.

The pension consists of:

1. The main part: it is established by the state itself, changes in the amount of payments occur depending on the age, the limitation of the possibility of work or the availability of dependents.
2. The insurance part: it is established depending on the size of the entire amount of monetary pension capital. It is based on the calculated pension capital, as well as the number of insurance contributions.
3. Cumulative part: it is set depending on the amount of money made by voluntary desire.

How is the pension capital formed?

The pension salary includes all the funds that are accumulated in the process of work on a separate personal account. It is replenished with the help of a tax that is withheld from every officially working citizen, that is, it is a payment for insurance premiums and other charges to the pension fund.

Since it is necessary to calculate the pension taking into account all possible increases, it is necessary to take into account the fact that the pension can be increased by 10% or more if you have worked before 1991, according to the reform of the pension system of payments. The calculation takes the number of years of work until 1991, then they are plus and multiplied by 1%. The minimum payment is increased by 10%, but not more than 20%. The received sum is added to the pension.

How to calculate the amount of pension (old age)

Your employer monthly transfers 20% of the money from the amount of your salary to the future financing of your pension. All funds are initially transferred to the pension fund. Let's consider an example of calculation of pension.

For example, you need to calculate the amount of old-age pension, you applied to the FIU on May 1, 2012. The whole working experience is 30 May as of May 1, 2012. The average monthly salary for this period was 8,000 rubles. Since calculating the pension on the calculator will not be very simple, use this formula RP = CK * WR / WR * FFP, and then compare the data.

SK - is the ratio of work experience, it is 55% for a work experience of 25 years. If a person has worked for 30 years, another 5% will be added to the UK, respectively 20 years = 50%. For both men and women, the UK increases for each year worked from 0.1 to 0.75.

ZR is a salary that is calculated for any 5 years of work in a row, based on documents that are issued in accordance with the established procedure by your employer or government agency.

SZP - data on the average salary for the month, which the government approves for 2012.

ZP - the average monthly salary established by the Russian Federation for a period of 5 years, which you will use to calculate the ER.

Following the formula and comparing all the data, you can calculate the amount of pension payments for a month or a year.