In Anhui Suzhou, if the social security base is 10,200, the amount of pension received after retirement depends on multiple factors. Here's a breakdown:
- Basic Pension: The formula is (Pension Calculation Base × (1 + Average Personal Contribution Index) ÷ 2 × Contribution Years × 1%). Suppose the pension calculation base is 7842 yuan (taking 2024 data as an example), and assume the average personal contribution index is 1 (if the contribution base of 10,200 is consistent with the average salary level, the index is close to 1), and the contribution years are 30 years. Then the basic pension = 7842×(1 + 1)÷2×30×1% = 2352.6 yuan.
- Individual Account Pension: Calculated as the balance of the individual account at retirement ÷ Calculation Months. If the contribution base is 10,200, and the individual pays 8% into the pension account each month, assume the contribution period is 30 years. The annual individual contribution = 10200×8%×12 = 9792 yuan. Over 30 years, assuming an annual interest rate of 5% (for example), using the formula for the future value of an ordinary annuity , where F=A×r(+r)n−, A=, and r=0.05, the balance of the individual account at retirement is approximately 742,540 yuan. If retiring at 60 years old (with 139 calculation months), the individual account pension = 742540÷139 ≈ 5342 yuan.n=
- Transitional Pension: This mainly applies to those who started working before 1996. The formula is Pension Calculation Base × Average Personal Contribution Index × Contribution Years before the end of 1995 × Transition Coefficient. Assuming someone has 10 years of contribution before 1996, with an average contribution index of 1, and a transition coefficient of 1.3% (taking a common value), and the pension calculation base is 7842 yuan, the transitional pension = 7842×1×10×1.3% = 1019.46 yuan.
In summary, the total monthly pension is approximately the sum of the basic pension, individual account pension, and transitional pension. However, it should be noted that actual pension amounts are affected by factors such as changes in the pension calculation base each year, individual contribution details, and local policy adjustments. It is recommended to consult the local social security department for the most accurate calculation.