Old age pension calculator. Calculation of average earnings for retirement according to the new rules in Excel
For old age, using the new PFR 2018 online calculator. Our pension calculator for those retiring in 2018, 2019, 2020, 2021, 2022, 2023 and beyond will help you calculate your future pension using reliable data taken from the official website of the Pension Fund of Russia.
It should be taken into account that these calculation results are purely conditional., therefore, they should not be taken as the real size of the future pension. For its exact calculation, in any case, you should contact the Pension Fund at the place of registration.
Attention readers! Before proceeding with the calculation of the future pension in the online pension calculator, in order to fully understand its formation, we recommend that you familiarize yourself with this material.
Below we have prepared the most up-to-date information to date and even provided a number of simple examples of self-calculation especially for those who do not believe in “machines”!
Male Female
0 1 2 3 4 5 6 7 8 9 10
Please select your rate.
Please enter your gender.
By law, citizens born in 1966 and older do not form pension savings.
Enter a different value for your seniority.
Please enter your year of birth.
In accordance with the data you entered, your length of service is , the number of pension points is . From 2025, the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of coefficients earned for assigning a pension is 30. If in the answers to the questions you indicated less than 15 years of experience or the number of coefficients collected does not reach 30, then you will be assigned a social old-age pension: for women at 60 years old, for men at 65 years old. Social old-age pension today is 4959.85 rubles per month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in your region of residence.
In accordance with the data entered for you, your length of service is , the number of pension points is . You do not have enough pension coefficients or length of service to qualify for an old-age insurance pension. From 2025, the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of coefficients earned for assigning a pension is 30. If in the answers to the questions you indicated less than 15 years of experience or the number of coefficients collected does not reach 30, then you will be assigned a social old-age pension: for women at 60 years old, for men at 65 years old. Social old-age pension today is 4959.85 rubles per month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in your region of residence.
If you want to receive a higher pension, revise your life plans so that you have been working for 15 years or more and in the end you will be able to earn at least 30 pension factors.
Please check that the form is filled out correctly. The number of years of combining activities as a self-employed citizen and an employee cannot exceed the number of years of minimum work experience specified in each type of activity separately.
If you want to receive a higher pension, revise your life plans so that you have been working for 15 years or more and in the end you will be able to earn at least 30 pension factors.
Sorry, the calculator is not designed to calculate the amount of pensions for current pensioners, citizens who have less than 3-5 years left before retirement.
How to calculate pension using the new pension calculator?
Our pension calculator has all the information about the length of service and earned points. You will only need to add the current data that has not yet entered the database. In addition, we have up-to-date information on FV And StIPK, as well as numerous tips to help you enter information correctly.
After entering the information, it remains only to click on the button "Calculate"- and you will get a much more accurate version of your expected pension. A very useful thing for future pensioners!
You should be aware that this online pension calculator is NOT applicable to military personnel and employees of law enforcement agencies who do not have insurance experience as employees in positions not related to military service.
The pension strategy of Russia remained the same, only the component had to be temporarily turned off. It has not gone away, but will be in a frozen state until approximately 2019.
By default, all citizens of the Russian Federation are participants in the distribution system for this period, and all contributions go to it. The Pension Fund of the Russian Federation is balanced by revenues from the budget, in 2017 the transfer amounted to 977.1 billion rubles, and the total income of the Pension Fund of the Russian Federation was expressed in the number of 8181.6 billion rubles. PFR budget revenues for 2018 are determined in the amount of 8.333 trillion rubles. Pension payments will increase by 279 billion rubles, social payments - by 11.8 billion. Pensions are promised to be paid in full, they are going to be indexed and increased.
Calculation of pensions according to the new formula
Note. In the form on the right, you can instantly calculate the number of pension points that can be accrued to you for 2018.
How many pension points can you earn in 2018?
Enter the amount of your monthly salary before deducting personal income tax:
Error! Enter a salary higher than the minimum wage in Russian Federation in 2018 - 9,489 rubles.
Number of pension points per year:
An insurance pension in Russia is formed for each citizen on the basis of his work activity, if we are talking about able-bodied persons, and is paid from the funds of the Pension Fund of the Russian Federation.
The rights of citizens to retire today are reflected in the coefficients, they are also called. During the implementation, all available developments for pensioners, both past and future, were converted into these points.
In order to be able to accrue a pension, the following conditions are generally necessary:
- age, for women 55 years old and 60 for men (you can find out whether it will increase in the coming years);
- at least a certain number of years. From 2024, this is 15 years, for previous years there are transitional values \u200b\u200b( what to do if it suddenly turns out that there is not enough experience);
- the presence of a certain amount of points, from 2015 - 30, with transitional values of earlier years.
The number of points depends not only on the years worked, but also on how accrued and actually paid.
The number of points that a citizen can receive per year is limited from above and has its own maximum. In 2016 it was 7.83, in 2017 - 8.26, in 2018 - 8.7, in 2021 - 10.
However, it depends on how the citizen defines his attitude to the funded pension (NP): whether he takes part in its formation or focuses only on the solidarity system. Those who were born after 1966 will have to solve this problem, and for everyone who is older, there is only one option - only an insurance pension.
Here are the values of these main parameters by year:
| Year | IPC - minimum amount | Experience minimum | IPK annual maximum including PN | IPK annual maximum without PN |
|---|---|---|---|---|
| 2015 | 6.6 | 6 | 7.39 | 7.39 |
| 2016 | 9 | 7 | 7.83 | 7.83 |
| 2017 | 11.4 | 8 | 5.16 | 8.26 |
| 2018 | 13.8 | 9 | 5.43 | 8.7 |
| 2019 | 16.2 | 10 | 5.71 | 9.13 |
| 2020 | 18.6 | 11 | 5.98 | 9.57 |
| 2021 | 21 | 12 | 6.25 | 10 |
| 2022 | 23.4 | 13 | 6.25 | 10 |
| 2023 | 25.8 | 14 | 6.25 | 10 |
| 2024 | 28.2 | 15 | 6.25 | 10 |
| 2025 and beyond | 30 | 15 | 6.25 | 10 |
In the case when we are talking only about the insurance pension, all the points scored go to its formation. When a funded pension is present along with the insurance pension, the maximum 10 points are transformed into 6.25, since 27.5% of the number of insurance premiums are sent to the funded part.
Need to understand: The state annually indexes the insurance pension. But the funded part is at the disposal of the Criminal Code or is not subject to indexation, instead it is invested in some financial projects. If such actions are successful and profitable, then the pension may increase. In the event that the investment operation is unprofitable, the pensioner can only rely on the amount of contributions paid.
Fixed payment, its size in 2018
Fixed payout ( FV) is called so because it is established every year by the state in hard monetary terms, that is, it is fixed for a year. As laid down in, the annual increase in the PV indicator is a consequence of indexing to the inflation rate of the past year.
However, this provision was suspended in 2016 and an indexation factor of 1.04 was adopted. In 2017, the result was an FV in the amount of 4805.11 rubles. for the majority of pensioners. In 2018, the amount of the fixed payment after indexation will be 4982.9 rubles. per month.
PV has more than one meaning, it is set differently for different categories of citizens. It is indexed twice a year:
- February 1, according to the results of inflation of the past year;
- April 1, based on the results of the PF income for the previous period - this type of indexation is treated as possible, and the decision on this possibility is made by the government of the Russian Federation.
How is the insurance pension calculated in 2018?
insurance pension ( joint venture) in Russia is calculated today by the formula:
SP \u003d IPK x StIPK + FV
IPK- the sum of all pension points.
StIPK- the cost in rubles of one pension point.
FV- Fixed payment.
As you can see, there is only one variable in the formula. This is the IPC, reflecting how many points the future pensioner has.
The remaining two indicators are constants, that is, they have a constant value throughout the year.
In 2018, StIPK = 81.49 rubles. (in 2017 - 78.58 rubles), FV = 4982.9 rubles.
Both of these indicators are indexed by the state, and their values change annually.
Strictly speaking, the task comes down to counting the points scored - IPC.
This is a rather cumbersome job that is performed by employees of the Pension Fund of the Russian Federation. They are required to calculate all the points on a monthly basis, evaluate the income and the contributions paid from it to the PF, and also take into account the option with the funded part, if any.
In addition to points earned directly, some citizens can count on an increase in the IPC for a different reason. Additional points are awarded for other types of employment and are added to the total.
There are quite a lot of such positions, all of them are specified. Here are some:
- 1.8 points are supposed to be added for military service in accordance with the draft;
- 1.8 - for the care of a child under 1½ years old, added to one of the parents;
- 3.6 - to care for the next, second child, up to 1½ years;
- 5.4 - for the care of next children, 3rd or 4th, up to 1½ years each;
- 1.8 - for the care of a disabled or elderly person under certain conditions;
- others specified in the legislation.
As an incentive prize, one can consider the possibility of increasing the IPC if a pensioner applies for a pension after having worked for some years over the prescribed age. For each such working year, he has a certain number of additional points - there are bonus coefficients for this.
This is a fairly significant increase in pension: if, for example, you continue to work beyond the prescribed 5 years without drawing up a pension, then the amount of IPC will increase by 45%. And if we add here the increase in the fixed payment over the years, we get a noticeable increase in pensions.
How to calculate your old age pension in 2018?
In principle, when preparing for the registration of a pension, everyone tries to independently estimate the numbers that he reaches. This is quite possible, because the values FV (fixed payment) And StIPK()
is freely available. The most important thing remains - to correctly calculate the amount IPK.
Here is an example of a calculation when retirement took place immediately upon reaching retirement age.
Let's say it comes in 2018. The points earned will be 75, another 1.8 + 3.6 points are due for the care of two children, up to 1½ years in each case.
∑ = 75 + 1,8 + 3,6 = 80,4
If in 2018 PV = 4982.9, and StIPK = 81.49, then we get the expected pension value:
SP \u003d 4982.9 + 80.4 x 81.49 \u003d 11,534.69 rubles.
disability pension
They are appointed for medical reasons, specifying the group of disability, without regard to the existing experience, the causes of disability and the moment of its onset.
If there is no experience at all, then it is installed. If at least 1 working day is registered, then there are grounds to appoint. Its size is set on an individual basis, with a focus on the existing experience, the amount of contributions to the Pension Fund and earnings.
First of all, it is calculated joint venture, and, starting from its value, the pension is calculated. Its value is finally determined by the disability group.
Starting from 01/01/2015, the PV was withdrawn from the JV, and its value is determined separately:
| From date | % indexing | 1 disability group | 2 disability group | 3rd disability group |
|---|---|---|---|---|
| 01.01.2015 | RUB 7870.00 | RUB 3935.00 | RUB 1967.50 | |
| 01.01.2015 | 11,4% | RUB 8767.18 | RUB 4383.59 | RUB 2191.80 |
| 01.01.2015 | 4% | RUB 9117.86 | RUB 4558.93 | RUB 2279.47 |
The size of the PV increases for each disabled dependent who is supported by a citizen, but no more than three. This increase was:
- dated January 1, 2015 - 1311, 67 rubles;
- from February 1, 2015 - 1461.20 rubles;
- from February 1, 2016 - 1519.65 rubles;
- dated February 1, 2017 by 5.4%.
survivor's pension
The loss of a family breadwinner entails the assignment of a pension to the disabled dependents whom he supported. Of course, provided that their guilt in the death of their breadwinner is not established.
The law clearly defines the circle of persons who can apply for a pension. In order for it to be appointed, the deceased breadwinner must have insurance experience, at least a minimum, at least 1 day.
From February 1, 2018, the fixed payment (PV) in the event of the loss of a breadwinner is exactly half of the PV of the insurance pension: 4982.9 / 2 = 2491 rubles 45 kopecks. So much for one disabled family member.
The assigned pension is paid every month, any delivery method can be chosen.
Military pension, calculation formulas
In 2017, the scheme, according to which the pension is calculated for the military who have completed their service, looks like this:
VP \u003d (OVDZ + NdVL) x 50% +
+ 3% (with service over 20 years, for each year, but not more than 85%)x PC+
+ 2% (in case of non-indexing DD- Every year)
OVDS- military salary and rank.
NdVL- Seniority allowance.
PC- reduction factor.
DD- financial allowance.
Employees of the Ministry of Internal Affairs are also entitled to, for the accrual of which it is required to serve in the bodies of the Ministry of Internal Affairs for at least 20 years (read more about all the changes).
It can be of three types:
- By seniority.
- By disability.
- In connection with the loss of the breadwinner (received by her relatives if the breadwinner died or went missing).
There is also the so-called. This is the case when 20 years of service is not accumulated, but there is one of the additional circumstances:
- At the time of dismissal from the authorities, the total experience reached 25 years.
- Of all the years of total experience, the Ministry of Internal Affairs accounted for at least 12½.
- At the time of dismissal, the age of the employee was at least 45 years.
- The reason for the dismissal was either the state of health, or regular events, or the achievement of the service age limit.
Future military pensioners, knowing thoroughly all the ups and downs of their service, are able to independently estimate what pension they are entitled to.
To help them, the Pension Calculator program was created, designed specifically for employees of the Ministry of Internal Affairs. If you provide her with the necessary data, she will calculate the required pension herself. For the convenience of users, it is equipped with various tips.
The formula for calculating the funded pension ( NP) is extremely simple:
NP = Mon / T
T- the number of months before payment.
Mon- the amount of funds accumulated in a special personal account.
Formed amount Mon maybe from these sources:
- from pension insurance contributions;
- from additional contributions made by the employer in favor of a citizen accumulating a pension;
- from contributions to co-financing Mon;
- from part of family or maternity capital;
- from investment results from any of the sources.
Facilities NP you can receive everything at once, as a lump sum payment, or receive it gradually, in the form of an urgent pension payment, after reaching the required age.
How to check the amount of pension savings?
This is easy to do for an insurance pension.
Each pensioner has a personal SNILS - Insurance Number of an Individual Personal Account in the Pension Fund of the Russian Federation. With it, you can find out the contents of your personal pension account, not only by visiting the PF branch, but also online via the Internet. How to do this is written in detail.
Moreover, you need to come to the department with a passport, and at EPGU (single portal of public services) you just need to enter the SNILS number.
So:
- We go to the site gosuslugi.ru.
- We select the necessary service in the catalog - "Pension Savings".
- We request an extended account statement, for this we enter its number.
After waiting a few minutes at the screen, we receive a letter with the amount of interest. If a user's personal account is set up, then you can print the information received.
If you want to get acquainted with the state of your funded pension, being a client of an NPF, then the PF is not your assistant here, it does not have the necessary information.
The NPF has it, and to get it you will have to go to its website.
The cost of a pension point for working pensioners in 2018
Working pensioners once again carried out a recalculation of pensions on 01/01/2017. As a result, each of them received an allowance on an individual basis, some in tens, and some in hundreds of rubles.
The price of a pension point in 2018 is 81.49 rubles. As the Law “On Insurance Pensions” says, during the January recalculation, you can add no more than 3 points to your pension, in rubles it will be 244.47. This is how the recalculation procedure works for those citizens who do not apply for a pension.
If a person receives a pension and works at the same time, then the recalculation is made based on the realities of 2015, when the price of a point was 71.41 rubles. Accordingly, the increase in pension came out less, only 214.23 rubles.
It turns out that at post-retirement age it is more profitable for a person to work without drawing up a pension, in this case he will receive larger additions to the pension in the next recalculations - which has not yet been received.
Is a working pensioner required to work 2 weeks upon dismissal? .
That is, there is an obvious desire of the state to encourage the population to retire later in order to alleviate the burden of the Pension Fund.
This is often criticized, allegedly there is a desire on the part of the state to ensure that fewer pensioners live up to retirement.
Maybe this is true, but does not the desire to increase mean the same goal?
In addition, non-retirement will be forced in this case, while in the current conditions a certain amount of freedom of action remains with a person. Known, but not complete, since many work simply because there is not enough money.
But there is another category of elderly citizens whose interests in this case coincide with those of the state. Many, having become accustomed to working all their lives, will feel like they have been thrown to the sidelines in retirement, so they are in no hurry to get there.
As long as you work, rotate in a team, you are useful, and life retains its meaning.
Since January 2015, another conversion of pension rights has been taking place, now into pension points. For the first time after the Soviet period, the conversion of pension rights in Russia was made in 2002 - into pension capital.
From January 1, 2015, on the basis of laws No. 400-FZ and No. 424-FZ of December 28, 2013, which entered into force, the insurance and funded parts of the old-age pension became independent pensions.
We remind you that the funded pension is formed and calculated according to the old principle (it still remains relevant only for citizens born in 1967 and younger), and the insurance pension is calculated according to the new formula - on the basis of pension points accumulated by a citizen during his working life .
SPS = FV× PC 1 + IPK × SPK × PC 2,
where SPS is the insurance pension.
PV - fixed payment.
PC 1 - premium factor for increasing the fixed payment at a later retirement.
IPC - individual pension coefficient.
SPC - the value of the pension coefficient at the time of registration of the pension.
PC 2 - premium coefficient for increasing the individual pension coefficient if a citizen continues to work, despite the onset of retirement age or other conditions for the emergence of the right to an insurance pension.
To understand How is old age pension calculated? according to the new formula, we will consider what are and how its main components are calculated: a fixed payment (the former base part) and an individual pension coefficient, as well as who will be entitled to premium coefficients.
So, we got acquainted with the general concepts regarding how to calculate a future pension. Now let's cover this topic in more detail.
Fixed part of the insurance pension
To calculate old age pension, should be aware of the existence fixed payment (hereinafter FV) to the insurance pension, established by Art. 16 of the Federal Law "On insurance pensions" No. 400-FZ of December 28, 2013. In 2016, the payment amounted to 4,558.93 rubles. This is a guaranteed minimum by the state for every Russian citizen of retirement age. Twice a year, the PV is indexed: on February 1, taking into account the growth in consumer prices, and on April 1, at the expense of the Pension Fund's income for the previous period. April Fool's compensation is prescribed in the legislation as possible, and the possibility is determined by the Russian government.
For some categories of citizens, the PV is set at an increased rate. In order to be true calculate old age pension , the data shown in the table below should be taken into account.
Fixed payment to the insurance pension for various categories of citizens, northern pension
|
Gr-not eligible for ATP |
Number of dependents |
PV size (rub.) 1 |
|
Under 80 years of age and without a disability |
||
|
Those who have reached the age of 80 or disabled people of the 1st group |
||
|
Under 80 years of age and without disabilities, worked in the Far North for at least 15 years, insurance experience of at least 20 and 25 years for women and men, respectively |
||
|
Those who have reached the age of 80 or people with disabilities of group 1 have worked in the Far North for at least 15 years, insurance experience of at least 20 and 25 years for women and men, respectively |
||
|
Under 80 years of age and without disabilities, worked in the Far North for at least 20 years, insurance experience of at least 20 and 25 years for women and men, respectively |
||
|
Those who have reached the age of 80 or disabled people of the 1st group, have worked in the Far North for at least 20 years, insurance experience of at least 20 and 25 years for women and men, respectively |
||
|
Work experience in agriculture for at least 30 years, not engaged in activities with mandatory pension insurance, live in rural areas 2 |
||
1 Amounts rounded to hundredths of a ruble
2 A new category of citizens included in the list of preferential PV from 01/01/2015. In the case of a citizen moving to an urban area, this benefit does not apply. In 2016, there was no increase in the fixed payment for this category of beneficiaries.
Individual pension coefficient - the basis of the insurance pension
Individual pension coefficient (hereinafter referred to as IPC) is an innovation in the practice of calculating pensions. He became a key component in the formula for secure old age. You can even say - the basis of the foundations for a citizen who wants to independently provide for himself after retirement and live with dignity at the same time. The higher the pensioner's IPC, the more likely it is to achieve this goal.
IPC is determined at the time of registration of the old-age pension and consists of the amount annual pension coefficients (hereinafter APC) or pension points accrued to a citizen annually in the process of official employment with a “white” salary. That is, for those years when employers transferred insurance premiums to the future pensioner.
The new pension legislation also determined other periods for which pension points will be accrued to citizens, and provided for the coefficients for increasing the IPC and EF - for a later registration of the implementation of the pension right.
How is the pension calculated? 2015-2016, are there any differences from the calculation in 2014?
GPC = SSP/ SSM× 10
3 quantities are involved in the calculation of the CHP:
- The amount of insurance pension contributions from the annual income of a citizen (SSP).
- The amount of insurance premiums in the amount of 16% of the maximum taxable salary, annually established by decrees of the Government of the Russian Federation (SSM).
- Factor 10 . It was introduced for the convenience of calculating pension points. Also, 10 is the maximum number of annual pension points that can be accrued to a citizen in the billing year.
But future pensioners will be able to receive 10 points for the billing year only starting from 2021. And only those who do not participate in the formation of their funded pension. In 2015, the maximum allowable GPC is 83. As can be seen from the table below, it will increase gradually.
Maximum values of the pension coefficient by years
|
Year of the old-age pension |
The maximum value of the IPC with contributions to the funded pension |
The maximum value of the IPC without contributions to the funded pension |
1 When calculating pension coefficients, the values are rounded to three decimal places.
This means that if a citizen’s CPC calculated for 2016 according to the above formula is, for example, 9.9, then only 7.83 will be taken into account when calculating the IPC upon retirement.
At old age pension calculation pension points for all years when the employee's mandatory pension fund received insurance contributions from employers are summed up and an individual pension coefficient is displayed. The longer a citizen worked and the higher his salary was, the higher his IPC will be. Accordingly, the higher the IPC of a citizen, the higher his pension income.
IPK= GPC 2015 + GPC 2016 +…GPK 2030
where CPC 2015 is the number of pension points earned by a citizen in 2015, CPC 2016 - in 2016, etc.
Calculation of the individual coefficient: which years are better to take
Let's try it on our own calculate pension. As mentioned above, the annual pension coefficient is equal to the ratio of insurance pension contributions from a citizen's income for the year to the maximum insurance pension contributions established by the state in the billing year, multiplied by 10. For clarity, we will give examples. But first, let us recall that the total amount of pension insurance contributions deducted by the employer per employee is equal to 22% of his salary. Of them:
- 6% go to the so-called solidarity part of the Pension Fund, from which a fixed payment (basic part) of the insurance pension is paid to current pensioners;
- 16% are intended for the formation of the employee's insurance pension or, at his request, 10% of them go to the insurance, and 6% - to the funded part.
An example of calculating the GIC with a deduction for an insurance pension of 16% of income
The salary of a citizen in 2016 is 20,000 rubles. per month. The amount of insurance premiums paid by the employer to the Pension Fund will be: 20,000 rubles. × 12 months × 16% = 38,400 rubles.
In 2016, the maximum taxable salary is 796,000 rubles. The amount of the maximum insurance premiums from the employee's income is 127,360 rubles.
GPC = 38400 / 127360 × 10 = 3,015
The annual pension coefficient of a citizen in 2016 will be 3.015 pension points.
An example of calculating the GIC with a deduction for an insurance pension of 10% of income
For clarity, let's take a citizen with the same salary for 2016. His employer contributes only 10% to the insurance pension, and the remaining 6% goes to the funded pension. The amount of pension contributions to the insurance pension of a citizen for the year will be: 20,000 rubles. × 12 months × 10% = 24,000 rubles.
GPC = 24,000 / 127,360 × 10 = 1,884
The annual pension coefficient of a citizen in 2016 will be 1.884 pension points.
Since the amount of future pensions directly depends on the value of the CPC, the examples show that the formula for calculating pension points campaigns for refusing to participate in the formation of funded pensions.
Additional pension points: how to check the correctness of accrual
In addition to the pension points accrued to a working citizen for the payment of insurance pension contributions by his employer, when calculating the IPC, other periods are taken into account during which pension contributions were not paid to the citizen. For each full calendar year, the GPC is charged under the following circumstances.
- Care of one of the parents for a child under 1.5 years old (no more than 6 years in total):
- for the 1st - GIC = 1.8;
- for the 2nd - GIC = 3.6;
- for the 3rd or 4th - GIC = 5.4. - Care for a disabled child, for a disabled person of group I, for a person over 80 years old - GPC = 1.8.
- Service in the army by conscription - GIC = 1.8.
Point value
The cost of 1 pension point in 2016 is 74.27 rubles. It will increase every year:
- February 1, according to the inflation rate for the past year.
- April 1, according to a formula that includes such values as the amount of income to the PFR budget in the form of insurance premiums and federal transfers.
Premium odds
Despite the fact that in Russia the retirement age comes much earlier than in most other countries of the world, Russian legislators have not taken the path of raising the age limit for old-age pension rights. But they have built tools into the pension calculation formula that encourage people to voluntarily retire later.
If a citizen, having reached retirement age and the onset of pension rights, does not encroach on receiving funds from the Pension Fund, that is, does not draw up an insurance pension, but continues to work, the legislation provides coefficient of increase of the fixed payment to the insurance pension (in our PC 1 formula) And coefficient of increase in the individual pension coefficient (PC 2).
Indicators of premium coefficients for full months of voluntary deferral of pension receipt
|
Number of months |
IPC increase factor |
EF increase factor |
|
120 or more |
Based on the above indicators, it is easy to calculate that if a citizen does not draw up an insurance pension within 10 years after the entitlement to it, then the PV will increase by 2.11, the IPC - by 2.32 times. And the insurance old-age pension, respectively, will grow by almost 2.5 times.
Converting to points of "old" pension rights
Citizens who reached retirement age in 2015 or who will reach it a few years later are worried about what will happen to their pension rights, which until now have been measured in rubles, and not in points. The same question worries people who already receive an old-age pension - after all, its further indexation will take place on the basis of pension points, which they do not seem to have.
The new pension legislation provided for a formula according to which pension rights formed before January 1, 2015 will also be converted into points:
PC = MF / SPK
SC - the insurance part of the labor pension as of December 31, 2014, excluding the basic and funded parts.
SPC is the value of the pension point at the time of retirement.
The amount of points received will either make up the citizen's individual pension coefficient if he is already a recipient of an insurance pension or retires, for example, in 2016, or will be added together with subsequent annual pension coefficients to withdraw the IPC.
How pension is calculated examples
Let's go back to the new pension formula:
SPS = FV× PC 1 + IPK × SPK × PC 2
Now we know how its components are calculated, and we can find out the approximate size of the future pension.
Example 1: Retirement upon Retirement Age
Citizen Ivanova reaches retirement age in 2017. In 2015, her pension rights were converted to 70 pension points. For 2015-2017, Ivanova will earn another 5 points.
Citizen Ivanova twice for 1 year was on leave to care for a child up to a year and a half. For the first child, she received 1.8 pension points, for the second - 3.6.
By adding up all the pension points, we get the IPK of citizen Ivanova by the time the right to receive an insurance pension comes - 80.4 points.
Let us assume that the minimum amount of a fixed payment (FV) for an insurance pension in 2017 will be 5,000 rubles, and the cost of a pension point (SPK) will be 100 rubles. Citizen Ivanova has no grounds for applying premium coefficients, so the formula for calculating her pension looks like this:
SPS = FV+ IPK × SPK
We consider the old-age insurance pension of citizen Ivanova:
5 000 rub. + 80.4 × 100 rubles. = RUB 13,040
Example 2. Coming to a well-deserved rest after the emergence of the right to an insurance pension
Let's try to calculate the monthly income of a pensioner from the distant future. Consider a conditionally ideal variant of calculating a decent pension according to the new formula. After all, as the legislators assure us, all their efforts and reforms are aimed at achieving a decent standard of living for a Russian pensioner. So, let's dream according to the new formula.
Citizen Petrov began his career in 2015 at the age of 17. After serving for a year, he was drafted into the army and served for two years. For military service, he was awarded 3.6 pension points.
Citizen Ivanov received a correspondence higher education and worked without interruption of the insurance period until the retirement age and 5 years after the emergence of the right to an insurance pension. In total, over 48 years of insurance experience, he earned 400 pension points. Together with the "military" points, his IQ was 403.6 points.
Suppose that by the time citizen Petrov retires in 2063, taking into account all possible indexations, the PV will be 20,000 rubles. But citizen Petrov worked for 20 years in the Far North, so his PV is increased by 30% and amounts to 26,000 rubles.
Petrov's premium coefficients for 5 years of voluntary pension deferral are: for a fixed payment - 1.27, for an individual pension coefficient - 1.34.
Let the cost of a pension point in 2063 be equal to 600 rubles.
We consider the old-age pension of citizen Petrov, taking into account bonus coefficients:
26 000 rub. × 1.27 + 403.6 × 600 rubles. × 1.34 = RUB 324,527.42
Of course, it is difficult to imagine what will happen to the ruble by 2063, but today it looks more than worthy.
It must be said that the given old age pension calculation according to the new formula is approximate. Not only in the second example, but also in the first. If you want to get a more accurate result - register on the website of the Pension Fund of Russia. The PFR already has all the information about the currently formed pension rights of officially working or working citizens, namely the number of years and months of insurance experience and the number of pension points already earned. This information can be viewed in the personal account of the insured person. Enter into the pension calculator additional information about your current place of work and salary, about other periods for which pension points are accrued. Click the "Calculate" button - and find out the size of your pension. Plan a well-deserved rest based on the result, if it suits you. Or, if possible, take steps to increase your future pension. Now you know how it can be done.
Can I now count on a preferential pension? If yes, how to calculate it?
Whether the new pension reform provides for preferential pension provision worries those who worked in hazardous industries, in the field of education, medicine, etc. Yes, preferential pensions have been preserved to date.
It is quite natural that such citizens are also interested in how to calculate discounted pension. We must say right away that it is not worth looking for any special differences in the calculation of a preferential pension from the calculation of a regular one, since the same formula is taken as the basis, its size is directly dependent on the amount of accumulated points that have been taken into account since 2015. Contributions are transferred to those into the mandatory pension insurance system, using the formula:
IPO/NGO x 10
IPO - the amount of individual pension contributions for the year,
NPO - the standard amount of pension contributions for the year.
However, it will be much easier not to engage in independent calculations, but to go to the PFR website and use the pension calculator available there.
Since 2015, pensions have been calculated according to a new formula. But something else is much more important: to qualify for it, you need to earn at least 30 pension points. This condition, first of all, affects the rights of the young: those who have little work experience. Let's consider a few examples of calculating an individual coefficient that will help you understand the mechanism of the new law and consciously plan your future.
New calculation principle
To understand what the essence of the changes is, let's give a brief historical background. The table below shows that previously only two conditions were required for granting a pension:
- the onset of the legal age;
- availability of the required work (insurance) experience.
Its size was calculated from two values: length of service and wages. At the same time, for the period from 2001 to 2014, it directly depended on the amount of insurance premiums transferred to the Pension Fund of the Russian Federation. They accounted for 14-16% of earnings. The formula for calculating pensions since 2015 contains a new indicator: IPK– individual pension coefficient
It represents the sum of points for each year of work, but in fact reflects a new condition: in order to receive a legal payment, you must not only work out the required length of service, but also with such a salary that the amount of contributions paid is not less than the amount established by law.
Conditions of appointment and calculation of the size according to different laws
Most of the people counting on retirement in the near future started working during the Soviet era. For the period of validity of each of the three laws, its size is calculated differently. From the length of service earned before 2001, salary and insurance premiums, the amount of the insurance part of the pension will be determined. Then it will be converted into points. Let's take an example.
Example 1. Vladimir Ivanovich worked all his life as an engineer with an average income. As of December 31, 2014, he received an average Russian pension: 10,030 rubles. It consists of a fixed payment (the same for everyone) - 3935 rubles. and the insurance part - 6095 rubles. How many points does he have?
IPC = 6095 / 64.10 = 95
It is clear from the example that in order to receive an average pension, you need to have about 100 units. If the IPC of Vladimir Ivanovich was equal to 30, then he would receive only 5858 rubles.
For those who are still working, the pension calculation formula works as follows:
- Individual ratio: PKI = PKI before 2015 + PKI after 2015 until 2015 - we have already calculated on the example; after 2015. - is calculated as the sum of indicators for each year of work
- The amount of the insurance pension: SP = IPC × SPC, where: SPK - the cost of a point on the day of calculation
- Total size: PV + SP, where: PV - fixed payment (established by law)
How are points awarded for retirement?
Federal law establishes two values annually:
- the maximum wage for the deduction of insurance premiums;
- the value of the pension point (indexed to inflation).
The marginal (maximum) salary for 2015 is 711,000 rubles, that is, 59,250 rubles. per month; with more - contributions are not taken. The amount of insurance premiums calculated at a rate of 16% will be: 113,760 rubles. Let's calculate how many units you can earn.
Example 2. Vladimir Ivanovich continues to work and receives a monthly salary: 25,000 rubles. Insurance premiums are deducted from the amount of earnings - 16%, or 48,000 rubles. in a year. Then:
IPC 2015 = (48,000/113,760) × 10 = 4.22
As a working pensioner, he has the right to recalculate from the amount of contributions transferred for work, but no more than 1.8 units will be taken into account.
The number of points earned depending on the salary
Thus, the higher the salary - the more points. The maximum number - 10, corresponds to the maximum salary with which contributions are transferred. But the law establishes a transitional period during which the demanding conditions will gradually increase. It can be seen from the above table that fully earned rights will only be taken into account after six years.
Calculation examples
Before giving a few examples, we note that pension units are not only awarded for work. The law establishes several periods for which contributions are not paid, but are reimbursed by the state in the following amounts.
What the formula for calculating pensions in 2015 for employees looks like, we saw on the example of an ordinary Russian engineer. But there are other categories of citizens, they are also interested in knowing what awaits them.
The new procedure for calculating pensions from January 2015 (plot of Channel 1)
Example 3. A young successful top manager Sergey.
He has been working since 2010, the salary is 100,000 rubles. He has 5 years of experience, his insurance premiums for 2010-2014. recalculated in points (10). He will earn 20 more for the period 2015-2017: 7.39 + 7.83 + 8.26 = 23.48. But we already know that the payout will be minimal. In addition, according to the law, 15 years are required, so we work further: from 2018 to 2025: 8.70 + 9.13 + 9.57 + 5 × 10 = 77.4. Total for 15 years - 107.44. In the prices of the current period, this is approximately the same average pension as that of Vladimir Ivanovich (95 points).
Example 4. Former military man, now - an individual entrepreneur Dmitry.
Until 2015 - the army, 5 years of service in the police. Total: 7 years of experience, or 7 × 1.8 = 12.6 points. Individual entrepreneur with income up to 300,000 rubles. pay a fixed amount of insurance premiums - 18,611 rubles. (for 2015). IPK 2015 = (18611 / 113 760) × 10 = 1.6. He needs to work for almost 11 years to earn the missing 17.4 points and the minimum pension.
The number of units earned in each period will be different. After all, it depends both on the personal salary of the employee and on the maximum amount for calculating contributions, which changes annually. Moreover, it is growing much faster than income. So, in 2015 it increased by almost 14% compared to the previous one, and the average salary for this period increased by only 9%. So, even with good earnings, you do not have to rely on a large pension. Therefore, you need to take care of other ways of accumulating capital for old age.
