Calculate your future pension. How to calculate your pension

In calculating the old-age pension, the new calculation formula has been applied since 2015.

Let's analyze what factors affect the amount of insurance payments for pensioners in the Russian Federation.

How to find out the amount of your future pension

After the Soviet period, the pension legislation was reformed twice: in 2002, the pension right was converted into pension capital, and in 2015 - into pension points. What is the essence of the latest changes? From January 1, 2015, the insurance and funded parts of the pension acquired the character of independent pensions, this decision was made on the basis of Laws No. 400-FZ and 424-FZ of December 28, 2013.

What is the funded part of the pension? - This pension is valid only for pensioners younger than 1967 inclusive. Its calculation is carried out according to the old principle. The insurance part of the pension is calculated according to a new formula, which is based on pension points that are accumulated during work.

Formula for calculating the amount of the old-age pension:
ATP \u003d FV x PC1 + IPC x SPC x PC2
where ATP is the insurance part of the pension,
PV - the amount of a fixed payment,
PC1 - bonus factor, it increases the EF when retiring later
IPC - individual pension coefficient
SPC - the value of the pension coefficient at the time when the pension was issued
and PC2 is a bonus factor that increases the value of the IPC, it begins to be taken into account when a person who has reached retirement age continues to work.
We will understand the rules for calculating the old-age pension using the new formula. To do this, we need the main components of the pension: this is a fixed part of the pension (what used to be called the base part) and an individual IPC coefficient, and premium coefficients PC1 and PC2.

How to find out the fixed part of the insurance pension

The fixed part or payment to the insurance pension, indicated in the pension calculation formula as PV, is established in Article 16 of the Federal Law “On Insurance Pensions” No. 400-FZ of December 28, 2013. In 2018, this part of the pension is 4982.90 rubles. The fixed part of the pension is for each pensioner. PV can be indexed twice every year: on February 1 - taking into account inflation, and on April 1 - at the expense of previous PF income. The second is not mandatory, but possible, and is paid by decision of the Government of the Russian Federation.

In the new pension legislation, the periods for accruing pension points have been changed, and premium coefficients have been introduced that affect the increase in the fixed payment and IPC in cases of late retirement.

Fixed part of the insurance pension for various categories of citizens

The insurance pension is based on the Individual Pension Coefficient (IPC)

The IPC coefficient has been recently introduced into the calculation of pensions, but is intended to be a key innovation in the pension calculation formula, allowing for a secure, decent old age. High IPC seriously affects the value of pension payments. PKI is calculated as the sum of pension points or annual pension ratios (APCs) that are accrued annually for formal employment and payment of insurance premiums by the employer.

To calculate the future pension, let's try to figure out how to calculate the amount of pension points, what they are awarded for, and, accordingly, what level of IPC a pensioner can reach by the time they reach retirement age.

What is the difference between the calculation of pensions in 2015-2018 compared to 2014

As we have already mentioned, in 2015 the methodology for calculating pensions has changed. Since 2015, the pension coefficient has been calculated according to the formula GIC = SSP / SCMx10, where:

• APC - annual pension coefficient
• SSP - The amount of insurance pension contributions from a person's income for the whole year
• SSM - The amount of insurance premiums, equal to 16% of the maximum salary subject to contributions. This maximum salary is set by government decree every year.
• 10 - the maximum number of pension points for a given accounting year. At the same time, 10 points for the billing year will be available only from 2021. 10 points from 2021 will be available only to citizens who do not participate in the formation of their funded pension. For 2015, the maximum GPC was no higher than 83. GPC will gradually increase.

Maximum pension ratios by year of retirement

When calculating the pension by the age limit, all pension points are added up for each year in which the employer paid insurance premiums for the employee in the OPF. In terms of pence. points are displayed by the IPC. It is calculated like this:

IPK = GPC2015 + GPC2016+…GPK2030

How to calculate individual pension coefficient

In the above formula, we saw that the annual pension coefficient (APC) is equal to the ratio of the amount of insurance pension contributions for the year to the maximum value of insurance contributions, multiplied by 10. The total amount of pension insurance contributions for the year is equal to 22% of the annual salary.

• Of these 22%, six percent is transferred to the solidarity part of the pension fund. A fixed part of the insurance pension is formed from the solidary part.
• The remaining 16% go to the insurance pension (at the request of the future pensioner, 10% can be transferred to the insurance part, and 6% to the funded part of the pension).

Let's give an example of a CPC with a deduction of 16% of income for an insurance pension

Take for example the average monthly salary of 24,000 rubles. Then insurance contributions to the PF for the year will be equal to 24,000 x 12 months. x 16% = 46080 rubles.

In 2016, the maximum salary established by a government decree is 796,000 rubles. The amount of maximum insurance premiums with this maximum salary is 16%, that is, 127,360 rubles.
So, GIC= 46080/127360 x 10= 3,618
That is, the annual pension coefficient of this taxpayer will be equal to 3.618 pension points.

The second example: we calculate the GIC with a deduction of 10% of income for an insurance pension

For comparison, let's take the same salary level: 24,000 per month. The employer will deduct 10% of income for the insurance pension, and 6% for the funded one. Then the pension contributions to the insurance pension will be calculated according to the formula:
24000 x 12 x 10% = 28800 rubles.

GIC= 28800/127360 x 10 = 2,261
Thus, the annual pension coefficient, taking into account the transfer of 10% to the insurance part of the pension, will be 2.261 pension points.

Obviously, the formation of the funded part of the pension seriously reduces pension points, which greatly affect the resulting pension.

How to check the correctness of accrual of pension points

The calculation of the IPC includes not only pension points that are accrued for the payment of insurance premiums, but also the period in which pension contributions were not paid, namely:

1. Child care leave until the age of 1.5 years (in general, no more than 6 years), including:

• for the first child, the GPC is 1.8 points;
• for the second GIC is 3.6 points;
• for the 3rd and fourth CPC is 5.4 points; __________________________________________ A woman can earn 24 retirement points.

2. During the period of caring for a disabled child, for a person over 80 years old or for a disabled person of group I, the GPC is calculated equal to 1.8 points

3. During the period of service in the army on conscription, the CPC is equal to 1.8 points

Retirement point value

The cost of one pension point is equal to: in 2016 = 74.27 rubles. in 2017 = 78.28 rubles. in 2018 = 81.49 rubles. This cost is indexed annually 2 times:

• On February 1, indexation for last year's inflation takes place.
• On April 1, indexation is calculated according to a complex formula, which includes the amount of insurance premiums and federal transfers received by the Pension Fund, that is, in fact, the income of the pension fund.

Increasing your pension with premium coefficients

The possibility of increasing the pension with the help of bonus coefficients has been introduced into the calculation of the pension, if a person decides to retire later than the established date of his own free will.

Upon reaching the retirement age, a person can continue to work, while the increase coefficient of both the fixed part of the insurance pension (PC1) and the coefficient of increase in the IPC (PC2) is introduced into his pension

These premium coefficients for the number of full months of deferral of pension receipt are presented in the table

These coefficients strongly influence the final pension. So, with a voluntary deferment of receiving a pension of 10 years, the fixed part of the pension grows by 2.11 times, and the Individual Pension Coefficient increases by 2.32 times. The resulting insurance pension will increase by two and a half times compared to the original one.

How Old Pension Rights Are Converted to Points

Pension legislation since 2015 provides for a formula by which pension rights accumulated by a citizen before January 1, 2015 are converted into pension points. The formula for converting pension rights into pension points is as follows: PC=MF/SPK
where PC is the desired amount of pension points that was accumulated by a citizen before 1.01.15
SCh - the insurance part of the pension, excluding the basic and funded parts for the period of December 31, 2015.
SPC is the value of a pension point at the moment when a citizen exercises his right to a well-deserved pension.

If we calculate points for a person who retires this year, then the amount of points calculated by us using the formula will be his IPC (individual retirement coefficient. If the retirement period has not yet come up, then the amount received will be added to the IPC (annual pension coefficients) for all subsequent years, as a result, the sum of these points will give the resulting IPC.

Examples of how a pension is calculated

As we have already said, the pension is calculated according to the new formula
SPS = PV × PC1 + IPC × SPC × PC2
In addition, we have just learned how to calculate the components of this formula: IPC, EF and premium coefficients. Here are examples of calculating a future pension.

Example: Old-age pension, that is, upon reaching the age limit.

Citizen Sidorov knows that he can retire in 2017. In 2015, Sidorov's pension rights were converted into points and are now equal to 70 pension points. Three years before retirement, Sidorov will earn another 5 points. Sidorov paid his debt to the Motherland for 2 years by serving in the army, for each year of service another 1.8 points are awarded. Thus, adding up all the points, we get Sidorov's IPK by the time of retirement at 78.6 points. Taking as an assumption that the SPC in 2017 will be equal to 100 rubles, and the minimum amount of PV will be equal to 5000 rubles, taking into account the non-use of premium coefficients, we have a formula for calculating the pension of citizen Sidorov: SPS = PV + IPC × SPK
5000 + 78.6 × 100 = 12860 rubles

Example: Retirement later than retirement age

Citizen Feoktistova began working at the age of 17 in 2015. Twice she was on annual parental leave, over the years she received 1.8 pension points for the first child of the CPC, and 3.6 for the second. Only 5.4 points. The work of citizen Feoktistova continued without interruption until her retirement and another 5 years beyond her seniority. That is, the retirement age was reached at 55 in 2053, and she used her right to a pension only 5 years later in 2058. Feoktistova earned 341 pence over 41 years of work experience. point, and together with children's 346.4 points. We will proceed from the assumption that the FV in 2058, taking into account indexation, will be 18,000 rubles. The bonus coefficients for retirement 5 years later will be: for the IPC - 1.34, for the EF - 1.27. The cost of a pension point in 2058 will be taken equal to 580 rubles.
Then the pension of citizen Feoktistova can be calculated by the formula:
18000 × 1.27 + 346.4 × 580 rubles × 1.34 = 292,082.08 rubles.

Looks good, at least at today's price level. Of course, this is a very rough calculation with many assumptions.

How to find out the exact calculation of the pension? This can be done on the website of the Pension Fund of Russia. The personal account of the pension fund already contains all the data on your seniority, on the accumulated pension points and on the pension rights formed today. And most importantly, there is a pension calculator on the PFR website, with which you can calculate your pension by entering data about your current place of work, salary and other additional information.

Is the preferential pension saved now and how is it calculated

There is a preferential pension for workers in medicine, education and hazardous industries. How to calculate the pension for beneficiaries? The formula for calculating the preferential pension is the same, that is, the calculation is based on the sum of accumulated points introduced since 2015. Pension points are accumulated for contributions to the pension insurance fund for the year, they can be calculated using the formula
IPO / NGO x 10

IPO- individual pension contributions for the reporting year,

NGOs- normative annual pension contributions.

Conclusion: the pension calculation formula introduced in 2015 is transparent and obvious. Knowing the methodology for calculating pensions, you will be able to calculate the level of your pension with all the nuances. However, only the pension calculator on the PFR website will give the most accurate result.

Each of us, getting a job, begins to think about his income in old age. Until 2015, the issue was resolved simply: the more contributions to the pension fund, the higher the pension. However, new reforms in the pension system destroy the old stereotypes and make us think about how much we will receive when we retire.

Consider how the calculation of pensions in 2019 will take place.

Pension calculator and calculation procedure - how is the pension of Russians calculated in 2019?

After the innovations in the pension reform since 2015, cardinal changes have affected only old-age payments.

The labor pension we are accustomed to has broken up into two absolutely independent types. Previously, these types were considered its parts: insurance and accumulative.

In addition, accruals to the insurance pension will now be in special coefficients - points.

Pension ratios are calculated based on:

1. The amount of deductions.
2. Length of work experience.
3. Retirement period.

You can calculate the amount of pension payments yourself. Add your monthly benefit amount to your total points and multiply the total amount by the late retirement point. Note that the cost of one point will be determined by the government of the Russian Federation.

There is a special program pension calculator, she herself can calculate the approximate amount of your pension, based on the parameters that are entered. You can find it on the Internet.

Notice only those who started their labor activity in 2015 will calculate the pension in a new way. Annually, these citizens can receive up to 10 points - this despite the fact that they will officially receive the maximum wage after all taxes.

The maximum number of points can be obtained only from 2021.

Additional points can be earned if:

• Serve in the military

For each year of military service, you can earn 1.8 points.

• Caring for a disabled child

The same amount is counted annually.

• Support a relative over 80

Count the same number of points.

• Are on maternity leave

For the first year of vacation, you can get 1.8 points, for the second - 3.6, for the third and subsequent - 5.4.

The main differences of the new pension calculation - when is the pension under the new rules more than under the old ones?

Previously, when calculating the size of the pension, it did not matter how many years you worked at the enterprise. Only the amount of deductions was taken into account. Therefore, workers who received a small pension felt left out when compared to people who contributed large amounts to a pension fund. The new reform was created to equalize the rights of all workers.

The very possibility of receiving a pension has undergone changes.

Under the old law,
To receive a pension, two conditions had to be met:

1. Reach retirement age.
2. Have at least 5 years of work experience.

Now the required length of service will gradually increase to 15 years.

It will peak in 2025.

To apply for a retirement pension, you need:

1. Reach retirement age. It's not going to be changed. Men will be able to retire at 60 and women at 55.
2. Work experience - from 6 to 15 years.
3. Have a minimum number of retirement points - 30 for all years of work.

If your seniority or the number of points does not correspond to retirement, then it will be proposed to postpone its registration for 5 years.

And - it does not matter what kind of pension you are counting on: labor or social.

Already established pensioners should not worry. Now they will try to recalculate their pension according to the new rules. This means that payments will either increase or remain the same. The pension will not be reduced!

Social surcharge is also not going to be canceled.

An example of calculating a pension under the new law - what should working pensioners and unemployed people expect in 2019?

Consider what you can count on for different categories of citizens:

1. The pension for working pensioners will continue to be paid and will grow annually.
2. Future pensioners who worked under the same conditions should not worry either. Their pension entitlements remain and will continue to be in full effect, converted into points.
3. People who work two jobs will not benefit. For the year in total they will receive the same number of points. And this year, maybe even less. For example, the maximum number of points can be obtained by officially getting a job at one employer.
4. Also, people who incorrectly distribute interest between insurance and funded pensions can lose the benefit. So, by giving the least percentage of the second part, you can increase the amount of future pension payments.
5. Citizens who have not managed to accumulate 15 years of service before retirement, as well as people who do not have any experience at all, can only count on a social pension.
6. Receiving a salary "in an envelope", working citizens have a huge risk of being left without a high pension.

Notice that the most effective way to influence the size of your future pension is to get a job with a “white” salary and work there as long as possible.

Let's give an example of calculating a pension for a Russian with an average salary of 20 thousand rubles.

1. Calculate the amount of taxes you pay. In a month you earn 20 thousand rubles, which means in a year - 240 thousand. In addition, you pay 16% monthly to the pension fund, this amount is approximately 40 thousand per year.
2. Divide the amount received by 70-80 thousand, this is the size of the maximum insurance premiums.
3. Then multiply the result by 10.

Thus, in a year, the pension capital of an employee with a salary of 20 thousand will be 5 points.

When calculating the pension, all accumulated points will be multiplied by their value. As we wrote above, this coefficient will be determined by the government of the Russian Federation.

This means that the primary task of future pensioners is to accumulate as many pension coefficients as possible, because even in the case of indexation, the cost of the IPC will not fundamentally change.

Fixed payment amount

Fixed benefit (FB) is a guaranteed amount added to the insurance pension by the state. According to Article 6 of the Federal Law of December 29, 2015 N 385-FZ, from February 1, 2017, the amount of the fixed payment was 4805.11 rubles. Like the cost of the pension coefficient, the EF will increase from January 1, 2018 to 4982 rubles 90 kopecks.

Under certain circumstances and conditions, the size of the PV may be further increased on the basis of Part 8 of Article 18 of the Federal Law "About insurance pensions". These circumstances may be:

• the presence of disabled dependents;
• the establishment of the I group of disability or the achievement of 80 years of age;
• the presence of experience of 15 years in the Far North or areas equated to it;
• later (due to premium coefficients).

Below is a table that reflects the dependence of the amount for a fixed payment on the period for which a citizen delays or suspends receiving pension payments:

As can be seen from the data presented above, if you do not retire within 10 years after receiving the right to it, but, for example, continue to work, then in addition to the additional (and therefore pension points), the citizen will receive an increase in the fixed payment more than twice.

But you need to understand, for example, that the average life expectancy in our country is 66 years, and you will have to wait until 70 - how cost-effective it is, each citizen must decide for himself.

How to calculate the old age pension yourself?

The calculation method, at first glance, is not complicated and consists of the following steps:

• calculate the number of pension points based on gross wages;
• in the event that it is planned not to retire after receiving the right to it, we look for the required period in the coefficient table and multiply the number of pension points and the fixed payment by the corresponding values;
• we multiply the cost of one individual pension coefficient by the number of points;
• add up the resulting amount with a fixed payment.

However, the whole difficulty lies in the fact that such values ​​as a fixed payment, the cost of a pension point and gross salary are non-constant values: if the PV and the cost of IPC only increase (indexed), then wages change many times over a career.

Therefore, any calculations regarding the size of the future pension are approximate character and serve only as a guide for citizens.

Citizen Ivanov, after graduating from the university in 2017, was offered a job from February 1, 2018. He is 23 years old, the official salary will be 50 thousand rubles on average before taxes. He plans to work until his retirement. There will be no funded pension. Calculate the amount of pension that he will be able to receive upon reaching 60 years:

1. we calculate the insurance period: 60 - 23 = 37 years;
2. we calculate the number of pension points that Ivanov will receive in one year: (50,000 x 12 x 0.16) / (1,021,000 x 0.16) x 10 = 5.877 points, where
   • 12 - number of months;
   • 0.16 - the rate of insurance premiums (16% when forming only an insurance pension);
   • 1,021,000 - the maximum taxable base in 2018 (Decree No. 1378 of November 15, 2017).
3. multiply the number of points by the number of years that these points will be formed: 5.877 x 37 = 217.449 points;
4. we calculate the product of the number of IPC and its value (according to data for 2018): 217.449 x 81.49.58 = 17719.92 rubles;
5. add to this the size of the fixed payment: 17719.92 + 4982.9 = 22702.82 - this will be the amount of the old-age insurance pension.

Once again, it is worth noting that the values ​​of the values ​​as of January 1, 2018 were used in the calculation. Given the indexation of both the value of the pension point and the fixed payment, it can be concluded that the pension will slightly higher than the one that turned out in the calculation (commensurate with inflation).

Formula for calculating funded pension

Allocated the funded part of the labor pension to independent view pension payments. At the same time, citizens have a choice: or not. If the first option is chosen, then the insurance premiums are divided: 10% of the gross salary goes to the insurance pension, 6% - to the funded one. In addition, future pensioners had the opportunity to participate in and further increase their savings. However, since 2015, the possibility of joining the program has ceased.

Please note that the accumulated funds are not indexed by the state and are not protected from inflation, so you need to carefully consider the choice of an organization that will deal with capital management.

According to Article 7 of the Federal Law "On funded pensions" The formula for calculating the funded pension is as follows:

NP = PN / T,

• NP- the size of the funded pension;
• Mon- the sum of all pension savings in the special part of the personal account of the insured person (including savings formed with the help of maternity capital, state co-financing, etc.);
• T- the estimated period during which the pension will be paid, equal to 246 months in 2018.

The contributions to the funded pension depend on wages and make up 6%.

At the time of retirement, Citizen Petrov had 300,000 rubles in savings. To calculate the amount of payments, it is required to divide the amount of pension savings by the period that a citizen will receive a funded pension:

300000 / 246 = 1219.50 rubles.

How to find out the amount of pension savings?

In the era of the Internet and communication technologies, there are quite a few ways to find out almost any information. Information on pension aspects is no exception:

• Now you can calculate your pension without leaving your home, sign up for a consultation with the FIU.
• And besides this, through your personal account on the official website of the Pension Fund of Russia, as well as through the bank (subject to the availability of relevant agreements), you can find out the amount of your pension savings that will be used to form your funded pension.

How long do you have to work to receive a pension of a given size?

Of course the answer to this question cannot be unambiguous and depends too much on many factors - wages and fixed payments, as well as on the value of the individual pension coefficient. It is also necessary to take into account in which the citizen retires, or whether he will suspend receiving it after her appointment, keeping in mind the premium coefficients for the above values. In addition, there are bonuses for working in the Far North, etc. Therefore, the calculation of the length of service required to receive a certain amount is the same approximate character, as well as the calculation of the pension itself.

To answer this question, you first need to form an algorithm by which the length of service will be calculated:

• deduct the fixed payment from the amount of the pension;
• we divide the remaining amount by the cost of the pension point - we get their number;
• from the formula for calculating the IPC we calculate the amount of insurance premiums;
• we divide the CB by 0.16 and determine how much you need to earn for your entire labor activity
• we divide what we got by the estimated salary multiplied by 12 months.

In the event that it is required to find out not the length of service, but the required salary, in the last paragraph the division must be carried out by the expected length of service.

Citizens A and B want to receive a pension of 20 thousand rubles. A knows for sure that he will receive a stable salary of an average of 40 thousand rubles, and B is sure that he will work until his retirement, he is 22 years old. How long does it take for A to work, and what wages does B need to earn to be able to receive the desired payout?

For citizen A:

• 20000 - 4982.9 = 15017.1 rubles, where:
  • 20000 - the expected amount of the pension;
  • 4982.9 - the amount of the fixed payment as of January 1, 2018.
• 15017.1 / 81.49 = 184.282 (number of points), where:
  • 81.49 - the cost of one pension point (rubles) from 01/01/18;
• SV = 184.282 x 1021000 × 0.16 / 10 = 3010430.75 (the amount of insurance premiums required in rubles for setting the desired pension amount);
• 3010430.75 / 0.16 = 18815192.19 (the amount of money earned by A for his labor activity);
• 18815192.19 / (12 x 40000) = 39.2 years - this should be the experience of citizen A.

For citizen B:

Because we already know the amount he has to earn (18,815,192.19 rubles), it remains to divide it by the number of years left before retirement: 60 - 22 = 38 years. Now, using an analogy, we calculate the salary required for the specified amount of pension:

• 18815192.19 / (12 x 38) = 41261.39 rubles.

Calculation of pension using the Pension Fund calculator

So, basic quantities that affect the final amount of payments are:

• "white" wages;

Thus, calculating the amount of a pension is a purely mathematical matter: there are clear formulas and algorithms that need to be used to find out the number of pension points, the required length of service or the salary that will need to be received for a given amount of payment.

Therefore, for all the apparent complexity, modern technologies make it possible not to resort to manual calculations - for citizens this can be done by special calculator programs.

For example, for calculation of pension using the Pension Fund calculator you only need to enter the initial data, such as the year of birth, official salary, pension option (tariff), the number of children raised, the nature and duration of your work activity - and the calculator will automatically calculate the amount of the pension and display the result within a few seconds.

But it should be understood that the use of calculators does not give an understanding of the structure of the pension system. All the nuances can be understood only if you delve into the legislation of the Russian Federation.

Knowing how to calculate your future pension is important, as this information will allow you to clearly imagine your financial future after an active working period. At the same time, within the framework of this topic, there are many nuances that are unknown to the average layman.

Basic information

Before studying the calculation algorithm, it makes sense to understand what a labor pension is. One of the simplest explanations will be as follows: this is financial compensation for wages and other payments to those citizens who were insured and, due to various factors, including age, are no longer able to provide for themselves.

There are three types of labor pensions worth knowing about:

TP due to disability;

TP by age (old age);

TP associated with the loss of a breadwinner.

Funding for pension payments is based on insurance contributions from employers. Women who have reached the age of 55 and men who have overcome the 60-year milestone can count on a pension. These are fairly clear rules that give a simple answer to the question - what is the current retirement age in the Russian Federation. But even if a citizen, so to speak, reworked, this will not go unnoticed.

At the moment, the pension fund uses a fairly complex formula for calculating payments, but this is due to the desire to take into account various factors that may affect the amount of payments. But, in general, when trying to understand how to calculate, you need to take into account the key indicators that are used in the calculation. These are the following elements:

- Warhead (base part). It is established by state authorities, taking into account the presence of dependent family members, restrictions in the labor process and age.

-NC (accumulative part of the old-age labor pension). This part is formed from income from investing pension funds in the Pension Fund of the Russian Federation and voluntary insurance premiums.

- SCH (insurance part of the pension). It directly depends on the pension capital, which, in turn, consists of two parts: this is the amount of insurance premiums after 2002 and the estimated pension capital before this period.

In general, when calculating, two blocks of information about a citizen are used - before the pension reform and after it. And for ordinary people who want to figure out how to calculate a future pension, this fact must be taken into account.

What is important to consider before calculating

Those who are retired and continue to work can count on the fact that payments in their case will not be canceled and, moreover, will gradually increase.

If a citizen is preparing for the end of the labor period and worked a lot before the reform, then his experience and length of service will be recalculated into points without any financial damage.

There are people whose age is already close to retirement, but they have not officially worked for 15 years. This category of citizens, as well as people who have no experience at all, will be able to receive exclusively social pensions.

It is important to know that active work in two jobs will not bring tangible benefits. This is explained by the following fact: the total number of points that will be awarded will actually remain at the level of citizens who receive an official salary from one employer.

When thinking about how to calculate the pension yourself, it is worth remembering that an illiterate distribution of interest between funded and insurance pensions can lead to certain losses. The amount of payments will be higher only if the priority category is accumulation.

Well, it is quite obvious that the so-called salary in an envelope significantly worsens the pension prospects, since it significantly reduces the amount of deductions.

About the points system and key changes

It is important to be aware that it has made some changes to the accrual system, but all of them relate only to old-age payments. In this area, those parts that made up one whole are now independent, separate elements of the calculation. We are talking about insurance and labor pensions. It is the insurance form that is determined by taking into account points. To accumulate the required number of them, you need to make regular contributions to the category of insurance pension. But it is important to take into account the fact that such changes are relevant for citizens whose labor activity was started in 2015. Those who worked actively long before this period may not worry about changes in the system.

But for young people, this will mean that in a process such as calculating a pension, the average salary will not be the only determining factor. In general, in order to understand what kind of pension can be counted on, it is necessary to take into account three components:

length of service;

retirement date;

The amount of deductions.

If for the previous generation it was important to have only deductions in the right amount and at least 5 years of official work experience, for young people a more complex system of requirements is relevant.

First of all, the period of required labor activity has increased, it will grow every year until it reaches the mark of 15 years. That moment should come in 2025.

Now - more specifically about the requirements for those wishing to receive a labor pension:

First of all, you need to reach retirement age. For women, this is 55 years, while men will have to work until 60.

A minimum work experience is required. We are talking about a period of 6 to 15 years.

The final condition is the presence of the required number of points, which is 30 or more.

Points are calculated automatically. In this case, indicators such as the amount of deductions, seniority and the age at which a particular citizen will retire will be taken into account.

A pension calculation formula that is relevant for young people should include all of these indicators. If there are not enough points or the experience is too short, then the exit to a well-deserved rest will be delayed by 5 years. And in this case, the form of pension - social or labor - will not be of key importance.

Those who actually end their careers or are ready to stop their activities due to the approaching retirement age should not worry. Although the indicators will be recalculated, they will either not affect the size of the pension in any way, or they will lead to its increase.

Opportunity to receive bonuses

According to the current legislation, citizens, under certain conditions, will be able to receive additional points. Such bonuses are awarded in the following cases:

When caring for children with disabilities. For each year of such care, 1.8 points are awarded.

When a citizen does military service in the Russian army. Here, too, 1.8 points will be credited for each year of service.

Women on maternity leave can also count on bonuses. In such a situation, the accrual scheme changes slightly. The traditional 1.8 balls brings the first year of the decree. The next 365 days make it possible to get 3.6 points. The third year of parental leave raises the mark to 5.4 points. If the duration of the decree exceeds a three-year period, then for each subsequent year the state will charge 5.4 points.

Bonuses will also be available to those who care for a relative over 80 years old. Here, accruals remain at the standard level (1.8).

Continuing the theme of balls, you need to once again pay attention to the importance of seniority. As it was written above, according to the old system, it was not a key indicator, where the size of deductions played a big role. Now the situation has changed: in the formation of such a regular monthly benefit as a pension, the additional payment for seniority will be one of the key values. That is, those who have worked for a long time will be credited for their long work activity, which will have a direct impact on the size of the pension.

If we talk about how points are calculated, then you need to pay attention to the following formula:

(IPO in year N/NGO in year N) * 10.

where IPO should be understood as individual contributions of a citizen to a pension fund, while NPO means the standard of contributions, and the letter N is used to designate a specific year.

Calculation scheme

Speaking about future payments to people who are close to retirement age, it is worth using a different scheme than in the case of young people who still have to work hard.

If a citizen of the Russian Federation began his labor activity before January 1, 2002, then the following formula for calculating a pension is relevant for him:

P \u003d FBI + MF1 + SC2 + SW.

The FBI should be understood as a fixed basic pension set by the state.

SC1 is the insurance part of the pension, for the calculation of which the insurance premiums paid by the employer until 2002 are used.

SC2 - the insurance part, consisting of contributions after 2002.

The amount of valorization is determined as the CV and depends on the number of full years of service.

If we describe the calculation algorithm in stages, then the picture of the process will be somewhat complicated.

So, first of all, the length of service coefficient is taken into account, which will have a direct impact on the size of the pension in the end. It is calculated as follows: 0.55 units are assigned to men for 25 years of service before the reform (2002) and to women for a 20-year period. If this limit is exceeded, 0.01 units of the coefficient are added for each year, while this indicator cannot exceed 0.20. So, within the framework of the topic “how to calculate a future pension”, initially you need to pay attention to the length of service.

Next, the ratio of the salary of the future pensioner and the average earnings in the country in 2000-2001 is calculated. Alternatively, data for any 60 months of uninterrupted employment may be used.

In this case, the size of the ratio should not exceed the level of 1.2. If we are talking about residents of the Far North, then this indicator will fluctuate around 1.4-1.9 units. This largely depends on the coefficient to the salary, centrally established in a particular area.

At the next stage, the average earnings received are multiplied by the coefficient and by the amount of 1671 rubles. The last figure is the average monthly salary in the country for the 3rd quarter of 2001, which was approved for calculations. The result is the amount of the pension recalculated in accordance with the new legislation.

Preferential pension

In this case, the question “how to calculate the pension yourself?” is also relevant. But in order for independent calculations to be correct, you need to perform several sequential steps.

To begin with, it is worth getting information regarding your position - whether it belongs to the preferential category. You can get this information on the PF website, which contains a list of professions that allow specialists to go on a well-deserved rest before other citizens.

If the desired profession was found in the list, then further actions will be reduced to determining the specific periods of work that are counted as seniority. At this stage, it is important to pay attention both to the length of service and to the institution in which you had to work, since there is also a list of enterprises related to the preferential category.

And having dealt with the data on the former employer, you need to check whether the information received meets the requirements of the current legislation. Next, you should find out how many points the amount of years worked guarantees, taking into account the rates of pension contributions. This information can also be found in the PF.

The resulting number of points must be multiplied by the pension coefficient, and as a result, the amount of a preferential pension will be obtained.

Use of the electronic service

For those who want to go the easy way, it makes sense to pay attention to the pension calculator, which is located on the official website of the Pension Fund of the Russian Federation. This program will greatly simplify the process of calculating the required indicators.

This service takes into account all relevant inputs that may affect the size of the pension and the time of going on vacation. All you need to do is fill in all the required fields, which is a simple task.

The pension calculator allows you to get the most objective picture. When performing calculations, it takes into account, for example, military service. And although this period is not defined as experience, a citizen of the Russian Federation receives 1.8 points for it.

All years devoted to official work are taken into account. The exception in this case is maternity leave and maternity leave. By the way, points for parental leave are also taken into account.

It is worth noting the fact that a citizen of the Russian Federation can receive a pension supplement of 25% if he has lived in a rural area and worked in the agricultural sector for the past 30 years.

Many are interested in the fact how they will take into account the length of service acquired during the Soviet era, and whether it will have any meaning at all. Without this information, it is difficult to understand how to calculate the pension for a woman born in 1961 and other citizens who began their labor activity during the Soviet era.

First of all, it should be noted that the experience that was obtained before 2002, including before the formation of the Russian Federation, is taken into account. If before the reform the number of working years reached 27, then a coefficient will be charged for them. Its size will consist of two parts: 0.55 for 20 years of service until 2002 and 0.01 for each 12 months in excess of the specified norm, which will be 0.07 over a seven-year period. As a result, the coefficient into which the salary will be translated will be 1.2.

But, unfortunately, for many citizens, the Soviet salary is actually not taken into account for calculating pensions. Instead, the average salary in the country in the period from 2000 to 2001, which was equal to 1647 rubles, is taken into account. They deduct the Soviet salary in order to accurately determine the pension capital. These indicators will be supplemented with deductions and length of service recorded after the reform.

On average, a citizen who has worked for 35 years and received a salary of 20,000 rubles. will be able to count on a pension of 35% of its size, that is, a little more than 7,000 rubles. This, perhaps, not entirely rosy example of calculating a pension will be relevant for those citizens who were already actively working during the Soviet era. The only plus is that when working at retirement age, payments are saved.

military personnel

The process of determining the amount of pension for this category of citizens has its own characteristics that must be taken into account. Therefore, when figuring out how to calculate a military pension, you need to know that the pension calculator in this case will take into account the following indicators:

-Years of service. The duration of labor activity has the most direct impact on the amount of payments. Only due to this indicator, the monetary subsidies to the military can be increased by 50%. Moreover, each irregular year brings another 3% surcharge.

- Disability resulting from an illness. In this case, the premium can reach 75%.

- Obtaining a disability while serving in the Russian army. Under such circumstances, the pension can be increased by a maximum of 130%, but what exactly the amount of the allowance will be depends on the group received after the medical examination.

Speaking about how to calculate the pension of the Ministry of Internal Affairs, it is worth noting that it is formed in fact according to the same scheme as that of the military. Here, too, the basis for the calculation is taken. The increase in the level of payments is influenced by factors such as salary for a special rank and position.

How is the IP

To be eligible, you must have at least 15 years of experience. Here it is important to clarify the fact that the length of service is determined by those periods when contributions to the PF were made, and it does not really matter whether active entrepreneurial activity was carried out at that moment or not.

In this case, individual entrepreneurs will be counted in the length of service for the same periods as in the case of other citizens (decree, military service, caring for the disabled, etc.).

As for them, they will need at least 30 to retire.

Results

So, figuring out how to calculate the old-age pension, we can draw the following conclusion: the state is aimed at the objective formation of the amount of payments to different categories of citizens. It is for this that there are so many inputs in the calculation formula. As for self-calculation, the fastest way to complete this task is to use the pension calculator on the PF website.

What is a pension calculator and how do pension formulas work? How to calculate the insurance and funded pension? Calculation of seniority and reverse calculation algorithm: how much do you need to earn in order to secure a comfortable old age? Now you can calculate the old-age pension using special points. Prior to the 2015 pension reform, pensions were calculated in accordance with federal law N 173 of 2001.

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Legislative changes in 2019

SPC - the cost of one pension coefficient (point) as of the day from which it is assigned for old age (SPC for 2019 = 81.49 rubles);

FV - a fixed payment to the insurance pension (FV for 2019 = 4982.90 rubles);

KvEF - coefficient of increase in EF, is used in case of postponing the application for the appointment of an insurance pension.

Having understood this formula, you can independently calculate the amount of the pension . To make it clear how this formula works, let's analyze each of its components separately.

Fixed amount

To calculate the old-age pension, you need to know about the so-called fixed payment. This is a mandatory minimum for any citizen of our country. Twice a year, this minimum is recalculated for inflation.

Individual pension coefficient

Calculation example

Petrova turns 55 this year, and she decides to exercise her legal right to retire. In 2015, her pension rights were converted and became equal to 70 points. Over the years, Petrova has earned five more points.

Calculation of funded pension

The pension reform that took place in 2015 brought the funded part of the pension into a separate and independent class of cash payments. From this moment, each person decides for himself whether he needs a funded part or the main amount is enough. Unlike the first formula, here the calculation is much simpler:

NP = PN / T,

where PN is the funds on the personal account, and T is the expected period of payment of the pension. From 2019, the period is 246 months.

This money can be received immediately (as a lump-sum payment) only in cases established by law, or received monthly.

This type of pension is formed from:

• Insurance premiums.
• From maternity capital.
• From employer contributions.
• From any other source.

Fact

The funded part of the pension is not protected by the state from inflation, so you need to carefully choose the organization where the contributions will be received.

Find out where to start?

An example of calculating the accumulative part

Although the formula is quite simple, as in the first case, consider an example of how to calculate a funded pension.

This time, citizen Ivanov decided to go on a well-deserved rest. By this time, he had accumulated 300 thousand rubles. So, to find out the amount of payments, you need to divide the number of pension savings by the time during which Ivanov will receive a pension. The result is:

300000 / 246 = 1219,51

As we can see from specific examples, the pension calculator is not such a complicated science.

It is useful to know which and men are installed in Russia, as well as from non-state?

Reverse Algorithm

It is impossible to answer this question for sure, too many events can happen over the years of life and work. Also in this calculation, it is necessary to take into account such factors as the size of the salary, pension payments by the employer, the cost of the pension coefficient (point).

It is worth taking into account the age of the expected retirement. If, having reached the required retirement age, the amount seems small, how many years a person still plans to work and gain points. Also, some types of hard work are subject to pension supplements, they should also be taken into account. In addition, there are various circumstances in life that you cannot predict, especially for several years ahead.

Calculator: calculate the amount of the old-age insurance pension