How many pension points are accrued. Understanding the retirement formula. The results of calculating your pension

Since 2015, the pension rights of citizens have been formed according to new rules: in individual pension coefficients, or more simply - pension points. Moreover, all previously formed rights were also recalculated into points without reduction and will also be taken into account when calculating your pension, Rossiyskaya Gazeta writes.

The more pension points, the higher the pension

The more points you can generate for your working life, the higher your pension will be. The number of points depends on very understandable things: the size of the "white" salary, and more specifically, the insurance premiums that your employer pays for you to the Pension Fund from the wage fund, as well as the duration of employment, that is, the length of insurance experience. The higher the salary and the longer the length of service, the more points. The maximum number of pension points that can be earned in a year is 8.26 in 2017 and 10 from 2021.

At the same time, the presence of a certain insurance period is one of the mandatory conditions for the appointment of a pension in general. Those who apply for a pension in 2017 must have at least 8 years of experience. Further, the requirements for seniority increase from year to year. From 2024, in order to qualify for an insurance pension, a citizen must have at least 15 years of service.

Retirement points - what is it

Upon retirement, all points earned are multiplied by the value of one point in the year the pension is awarded. The cost of a point is set by the state and is indexed every year. A fixed payment is added to the amount received. This will be the amount of your old-age insurance pension.

The generally established retirement age for the old-age insurance pension is 60 for men and 55 for women. You can increase your pension if you do not apply for its appointment immediately upon reaching retirement age. If you postpone the registration of a pension for at least a year, its size will be higher due to premium coefficients.

How to find out the amount of a fixed payment

Since February 1, 2017, the fixed payment has been indexed by 5.4%, its size has increased to 4805.11 rubles.

An increased fixed payment is established: for citizens aged 80 and over, disabled people of group I, citizens with dependents, and other categories of citizens.

How is total work experience determined?

The main document confirming the periods of work of a citizen until 2002 is a work book. After 2002, the PFR began to operate a personalized account of the pension rights of citizens, and all data transmitted by enterprises about their employees is recorded in the PFR database on individual personal accounts of citizens.

How pension rights earned before 1 January 2015 are accounted for

All pension rights formed before 2015 are recalculated into points. As of January 1, 2002, the amount of the pension was calculated on the basis of the average salary for the last two years before the pension was awarded, or any five years in a row at the choice of the employee (when the salary was the highest).

From 2002 to the end of 2014, the entire "white" salary (more precisely, the number of accrued pension contributions) is taken into account. In 2010, the pension rights received before 2002 were revalued: a valorization was carried out.

The increase was 10% of the value of the estimated pension capital plus 1% for each full year of total employment acquired before January 1, 1991.

How to calculate points for periods when insurance premiums are not transferred

Some stages of life in the insurance period for calculating the pension are counted, although contributions are not paid for the citizen at this time.

These are the so-called socially significant periods - military conscription, leave to care for each child up to 1.5 years (but not more than six years in total), the time of caring for a disabled person of group I, a disabled child, as well as a relative older 80 years old. If a person worked (for example, a mother on a decree performed work under an employment contract), he has the right to choose the most beneficial option for himself: to count points for these periods based on earnings and contributions paid, or, if the salary was low, use the "normative" established by the state "points.

How many points are required

1.8 points:

For one year of caring for the first child.

For one year of care for a citizen of 80 years and older, a disabled person of group I, a disabled child.

For one year of military service by conscription.

3.6 points:

One year of caring for a second child.

5.4 points:

For one year of caring for a third and/or fourth child.

How much is one pension point

As already noted, the price of one point in monetary terms changes all the time, sometimes even several times a year. The procedure for changing the cost of the IPC is as follows:

Jan. 2015 - 64.10 rubles.
Feb. 2015 - 71.41 rubles.
Feb. 2016 - 74.27 rubles.
Feb. 2017 - 78.28 rubles.
Apr. 2017 - 78.58 rubles.

Thus, the value of 1 pension point in 2017 is equal to monetary compensation in 79 rubles. And in 2018, the size of one coefficient is set in 81.49 rubles. At the same time, a draft budget was envisaged, where it was planned to increase, from April this year, the cost of a point to 81.96 rubles. But then this measure was abandoned.

Minimum number of points for receiving an old-age insurance pension

As noted above, initially, in order to enter the "deserved rest", it was necessary for women to reach the age of 55, and for men - 60 years of age, and also to have at least 5 years of work experience. Now people who meet the following criteria will be eligible for old-age cash benefits:

Official employment.
Insurance experience.
Required IPC.

In principle, today at enterprises, employees are already registered in compliance with all established rules. Cases of mass underground employment are a thing of the past, and rather, are a rare exception.

But another thing is the payment of so-called "white" salaries, when the salary is drawn up in full and the necessary taxes are withheld from it. Many employers still prefer to use "gray" salaries, when only the minimum rate is officially paid, and all bonuses and bonuses are given "in hand".

The calculation of pensions by points is precisely aimed at motivating citizens to receive official salaries in full throughout the entire length of service. Since the IPC will be accrued according to a special formula from the contributions withheld by the employer from the annual income of employees.

In this case, it will be necessary to achieve a certain insurance experience. That is, a certain number of years of work for which the employer deducted contributions to the FIU. As a result, it is planned that after a gradual increase in the insurance period of citizens to receive financial security in old age, it will be at least 15 years.

In addition, it is worth knowing how many points you need for a pension. A phased increase program has also been introduced here.

Accordingly, it is planned that, no matter how many years a citizen works, he needs to accumulate at least 30 points for retirement.

How to find out the number of points

The most effective, quick and affordable way would be to obtain an extract from the register, which can be ordered directly from the FIU or by visiting the State Services portal. Also, having received an extract, you can get information about your experience and the amount of deductions.

But it is important to remember that the database only stores information from 2000. Earlier information will not be indicated in the certificate. Therefore, you can carry out an independent calculation. Also, for those who do not know how to calculate a pension by points, you can use a special calculator.

How is the calculation made

It is important to take into account that the length of service received before the introduction of reforms is also converted into coefficient units to determine the size of the future pension. But the calculations will be carried out according to different schemes.

For calculations accumulated for the period up to January 2015, the individual coefficient is carried out according to the following calculation:

PB = MF ÷ SA

With the following values:

MF- the amount of pension payments established for January 2015.
PB- coefficient for the period of working activity until 2015.
Sat- the price for one IPK is 64.10 rubles.

The calculation of IPC accumulated for the period starting from 2015 is carried out according to the following calculation:

PB = MW ÷ MW ×10

With the following notes:

SW- the amount of payments made by the insured under the state tariff;
MV- the maximum level of annual salary subject to mandatory payment at a rate of 16%.

Sizes of the maximum annual earnings for calculating the IPC:

Also, in order to know how pension points are calculated, it is important to take into account the maximum number of calculation units of the coefficient that a citizen is allowed to accumulate in one year.

Graph of the amount of accumulated IPC units, which cannot be exceeded, even in the case when salaries and contributions to extra-budgetary funds are significantly higher:

How to increase the number of points

The negative side of the reform is that when a citizen reaches retirement age, the FIU may refuse to provide a citizen with financial support if the coefficient set by the government is not reached. But the law provides for three options for increasing IPC units to increase the size of the pension or cancel the refusal.

Insurance experience and high salary

IPC is calculated based on the length of service for which contributions were made. In this case, the amount of deductions is calculated from the amount of salaries paid. Accordingly, the higher the salary and the number of years of work, the more it will be possible to accumulate units of the coefficient.

Postponement of retirement

If a citizen, having reached the age that allows him to go on a “deserved rest”, continues to be engaged in labor activity, then an additional IPC is accumulated for such a delay. At the same time, for each year of deferral, the size of the coefficient increases, but cannot exceed 2.32 points.

Outside work activity

In addition, the IPC is accrued even when citizens are engaged in useful and socially significant work without official employment. The minimum size of the annual unit of the coefficient in this case is 1.8 points, and the maximum is 5.4 points per calendar year.

Earned Retirement Postponement Coefficient

In the event that citizens delay their “deserved rest” after the required number of years, then the accrual of additional points is carried out according to the following schedules.

Points accrual for other periods

In the event that citizens were registered for work in accordance with the established form, but were forced to take a vacation, they will be credited units of the coefficient for such other types of activities:

Name of activity	IPC accrual	Deadline for activity
Military service in the Armed Forces of the Russian Federation	1,8	No time limit
Forced presence of the husband or wife of a person in active military or diplomatic service in places where there are no employment options	1,8	Not more than 5 years
Caring for a citizen who has reached the age of 80; a disabled person of the 1st group or a disabled child	1,8	No time limit
Daily baby care during the newborn period	1,8	No more than 18 months
Daily care for a second child	3,6	No more than 18 months
Daily care for the third and fourth child	5,4	No more than 18 months for each child

Thus, the following points will be credited for children for retirement in 2017 and 2018 for all 18 months in accordance with the number of children:

The first child - 2.7 IPC.
The second child - 5.4 points.
The third and fourth child - 8.1 units (for each).

The latest reform of the Russian pension legislation has made a change in the procedure for calculating social benefits. The concept of pension points (IPC) appeared in the calculation methodology. Let's see what these are - pension points?

Until 2015, and were the basis for calculating a pension. Now that's not enough. To receive pension accruals, you must be the owner of a certain number of points. By 2025, their number should be at least 30.

The number of IPC depends on the length of service, the amount of pension contributions and the age of retirement. The methodology for calculating coefficients was launched in 2015. They are calculated for each year worked.

Calculating your points is easy. The calculation formula is a fraction, the numerator of which is equal to the sum of the citizen's annual pension contributions, and the denominator is the sum of the maximum possible contributions in the current year. However, it will do it for you.

Click on the photo to enlarge the image:

For example, a person will earn 240 thousand rubles a year. The employer transferred his pension contributions to the budget at a rate of 10%. This is the percentage of the insurance part of the pension. The amount of deductions of a citizen amounted to 24 thousand rubles in absolute terms. The maximum value of the base for pension contributions, established by law in 2018, from which insurance premiums are paid, is 1,021,000 rubles. (in 2017 it was 876 thousand rubles; in 2016 - 796 thousand). The total amount of deductions from it is 16%.

The absolute value of contributions to the PF will be:

1021*16/100 or 163.36 thousand rubles

The number of personal points of a citizen earned per year in this case will be:

24/163,36*10=1,46

As can be seen from the calculation, the number of coefficients directly depends on the size of the salary of the future pensioner and the amount of deductions from it in the PF by employers.

The maximum number of points that a citizen can earn per year is 10, the minimum is 1.

Who is eligible for the points pension?

Since 2015, the accrual system applies to ALL citizens retiring from this period. People born before 1966 can only take into account contributions to part of the pension. The younger generation can take advantage of their contributions in the formation of pensions.

In full, the system of accrual of social payments using the IPC will affect those who began their labor activity in 2015.

The current pension legislation provides for the accrual of additional pension points to citizens.

They are provided in the amount of 1.8 for conscripted military service and for a parent caring for one child under the age of 1.5 years. For those who cared for two children up to this age, 3.6 points are added to the piggy bank, for three or more - 5.4 points.

Caring for a disabled or elderly person adds 1.8 points to a person.

How are recalculated

After changing the procedure for calculating pensions, many citizens have the opportunity to recalculate it. If, with the new method of calculation, the amount of a citizen's pension becomes smaller, then he will be left with the previous accruals.

IPC accumulated before January 1, 2015 are converted into rubles at the rate of 64.1 rubles. Every year the cost of the coefficient changes upwards. The cost of a pension point in 2018 increased to 81.49 rubles compared to 78.58 rubles last year and 74.27 in 2016.

The number of IPCs required to receive pension accruals in 2018 must be at least 13.8 (in 2017 - 11.4; in 2016 - 9 points). In all subsequent years, this number will increase by 2.4 points. Thus, those who will apply for a pension in 2019 will need to have 10 years of experience and 16.2 points.

In 2025, the seniority will be 15 years, and the required number of pension coefficients should reach 30.

In 2015, significant changes were made to the pension legislation of the Russian Federation, including the emergence of such a new concept as pension points. This innovation means that now, when calculating the amount of future pension provision, PFR specialists are guided not by monetary, but by special units.

In the documentation, this indicator is displayed as individual pension coefficients, which caused an increase in the number of questions from citizens. As statistics show, most of the population, even several years after the amendments to the legislation, do not know how to correctly calculate the number of points and determine their volume.

Retirement points are conventional units that evaluate all the years of a person's labor activity. The indicator is affected by the size of the official wage of a citizen. It is he who must be taken into account when calculating the insurance pension paid for old age.

To independently calculate the amount of one pension point, you can resort to a formula that allows you to quickly and without any difficulty determine the amount of the future insurance pension.

The amount of insurance premiums paid during one calendar year, divided by the amount of premiums in the amount of 16% of the maximum amount established by the Government of the Russian Federation in the accounting year, multiplied by 10.

The application of such a simple formula in practice means that any interested person can independently calculate their future pension payments. To do this, you need to add up all the cash payments made during the year and perform a few simple mathematical operations with them.

The calculation of pension points for each person is made on an individual basis.

The maximum number of pension points that can be earned in one calendar year is 10.

How are they appointed

The accrual of pension points is carried out in strict accordance with the norms of the law. In particular, when calculating, the specialist must take into account several criteria that determine the number of points, and, as a result, the size of the future pension:

Availability of official salary. By law, the accrual of points is possible only for those persons who are officially employed;
The amount of wages. The salary part must be at least two minimum wages established in the region of residence of the citizen. Otherwise, coefficients will not be calculated;
Work experience. To receive a decent pension, a person must work for at least 15 years. According to the plan, by 2024, if this indicator is available, a citizen will be able to count only on the minimum amount of payments. For women, as well as for men who served in the army, it is important that non-insurance periods are included in the length of service, for example, the time spent in service or maternity leave;
Registration of pensions after the due date. If an older person decides to extend their period of employment, the FIU must award them new additional points. The fixed part of the pension should also increase regularly.

It is possible to determine the exact number of points only after filling out an application and providing documents confirming labor activity. You can apply for a funded and fixed part of a pension when a person reaches the age specified in the pension legislation of the Russian Federation.

accrual

After indexation of payments, the cost of a pension point in 2018 amounted to 81.49 rubles. According to the legislation, this value should be constantly indexed in order to cover inflation in the country and enable pensioners to live normally, taking into account the real state of the country's economy.

The number of points accrued over the years of a citizen's work directly depends on several indicators; a special formula is used for this.

Upon reaching, a person can contact the Pension Fund of the Russian Federation or the State Services portal to calculate the amount of the pension based on the ratio of the score to the ruble. This can be done independently - the payment will be equal to the sum of points multiplied by their value ( taking into account the value on the date of assignment of the pension provision), plus a fixed payment established by the Government.

Points based on salary

Retirement points are awarded based on the employee's official salary. Accordingly, the more a person earns, the greater the individual coefficient he receives.

At the legislative level, a special system is provided, with the help of which each person can find out what the maximum and minimum number of points he can receive, and how this will affect the amount of payments upon his retirement.

You can calculate the number of points yourself, for this you just need to use a simple formula. However, at the legislative level, the maximum threshold for such charges is determined - no more than 10 individual coefficients per year.

How many points do you need for retirement?

Indeed, it tells us that in order to retire, a citizen will need to have some minimum number of points.

For 2018, this is 13.8 points, and the minimum amount will increase annually, up to 30 minimum points in 2025. If there are fewer points, the citizen will not be entitled to the payment of an insurance pension. It will be assigned, which is almost 35% less than the insurance one.

Extra points

The current legislation of the Russian Federation provides for the possibility of obtaining additional pension points. This opportunity is provided in various sizes, depending on the category of citizens.

Its main essence is to help form the accumulation of coefficients for non-insurance periods of time:

1.8 per year of service in the army, for caring for one child under the age of 1.5 years, caring for a disabled person;
3.6 points are awarded to the parent caring for the second child;
5.4 points can be transferred to a citizen who takes care of the third and each subsequent child in the family.

Such a sum of points is often needed when calculating a pension, when a person lacks several coefficients to form a normal amount of payments.

For future pensioners

How is the calculation

Three secrets of a decent pension: long service, "white" salary, later registration of a pension