In Fujian Zhangzhou, if the social security base is 20,200, the amount of pension that can be received is calculated based on multiple factors. Here's a breakdown:
- Basic Pension: The formula is . The pension calculation base in Zhangzhou in 2024 is 7776 yuan. Assuming the average payment index is 1 (if paying at 100% of the base), and for example, if the payment years are 30 years. Then the basic pension is (Zhangzhoupensioncalculationbase+Zhangzhoupensioncalculationbase×averagepaymentindex)÷×paymentyears×1%yuan.(+×)÷××1%=2332.8
- Personal Account Pension: The formula is . The calculation months are 195 months for 50 - year - old retirees, 170 months for 55 - year - old retirees, and 139 months for 60 - year - old retirees. If the accumulated amount in the personal account is calculated based on a monthly payment of Accumulated amount in personal pension account÷Calculation months determined by retirement ageyuan (assuming 8% personal contribution rate) for 30 years (×8%=months), the accumulated amount is ×=yuan. For a 60 - year - old retiree, the personal account pension is ×=yuan.÷≈4185.32
- Transitional Pension: The formula is . If there are 10 years of 视同 payment years and the 视同 payment index is 0.8, and the transition coefficient is 1.3%, with the pension calculation base of 7776 yuan, then the transitional pension is Current year’s pension calculation base×eˋ§a˚ payment index×eˋ§a˚ payment years×Transition coefficientyuan.×0.8××1.3%=809.78
In general, the total pension = basic pension + personal account pension + transitional pension. In this example, it is approximately
2332.8+4185.32+809.78=7327.9
