How is the pension calculated? How is the old-age pension calculated: retirement age, length of service and calculations. Early retirement

Since 2015, the calculation of pensions in the Russian Federation has been carried out in a new way. Now the amount of pension provision and the right to it depends on the number of points. Let's consider in more detail.

What does the pension consist of?

The insurance pension (formerly called labor pension) is calculated by the formula:

number of points * value of one point.

The cost changes annually and is approved by the Government Decree. Those citizens who have earned at least thirty points during their working life are entitled to pensions. The total amount of the pension includes the insurance part and the fixed payment (formerly the basic part). The amount of the fixed payment is also approved at the state level.

That is, you need to calculate only points. And their number depends on the salary.

Conversion of pension rights acquired before 2002

• experience until 2002;
• average monthly earnings (taken from 2000-2001 or any 60 months before 2002);
• experience until 1991

The first indicator is taken into account in the form of a seniority coefficient. It cannot exceed 0.75.

1. The man began his career in January 1976. Total experience - 26 years. The seniority coefficient is 0.55 + 0.01 * (26-25), or 0.56.
2. For a woman under the same conditions, the calculation looks like this: 0.55 + 0.01 * (26-20), or 0.61.
3. If the length of service is less than 20 years (for women) or 25 years (for men), then the length of service coefficient is 0.55.

The calculation of the average earnings for a pension is made through the "earnings ratio". This is the ratio of the average monthly salary of a citizen to the average monthly salary in the state for the same time period.

The citizen submitted to the Pension Fund a certificate of salary for 60 months from 05/01/1986 to 04/30/1991.

The average earnings when calculating a pension is calculated by the formula:

The average monthly salary in the country is 230.1.

Earnings ratio: 1.2. The law set the maximum threshold for this coefficient: 1.2. Therefore, when assessing pension rights, not 1.38, but 1.2 is taken into account.

How to determine the amount of pension from average earnings (earnings ratio):

1. The estimated pension for citizens with a service coefficient of more than 0.55 is calculated as the product of the service coefficient, the coefficient of the average monthly salary and 1671 rubles. If the value obtained is less than 660 rubles, then 450 rubles must be subtracted. The amount of 1671 rubles is the SZP - the average monthly salary in Russia for the period 01.07.01-30.09.01 (constant value);
2. If the length of service coefficient is 0.55, then a formula of the form is applied: (0.55 * coefficient of the average monthly salary * 1671 - 450) * (length of service until 2002 / 25). This is for men. For women, the second multiplier is (experience until 2002/20). If the calculated value turns out to be less than 660 rubles, then for men - 210 * (experience until 2002/25), for women - 210 * (experience until 2002/20).

The woman retired in 2015. Total experience - 35 years. Until 2002 - 22. This is more than twenty years. So, the formula for calculating the seniority coefficient is as follows:

Assume that the earnings ratio is 1.2. Since the seniority coefficient is greater than 0.55, the formula for the calculated pension looks like this:

The woman got a job in 1980. Therefore, she has experience until 1991. When taking into account valorization, it will be necessary to add 10% to the estimated pension and 1% for each full year of employment until 1991.

She worked for 11 years from 1980 to 1991.

The pension capital is indexed annually. As of December 31, 2014, the index value is 5.6148. Let's find the pension rights in ruble form for the period up to 2002, taking into account the premium and indexation:

Let's convert to points. To do this, divide by 64.1.

This is part of the pension rights of a citizen until 2002. When calculating a pension, the number of points will be multiplied by the value of 1 point, accepted on the date of calculation.

Calculation of IPC for the period from 2002 to 2015

1. It is necessary to find the amount of the transferred insurance premiums for the given period.
2. The insurance part of the labor pension is calculated as of December 31, 2014: the amount of contributions / 228 (survival period).
3. We find the IPK: the insurance part / 64.1.

In another way: the insurance part of a labor pension is a pension calculated according to the “old” rules “minus” the funded part and a fixed supplement (established by the state).

Retirement points since 2015

Calculated for each year of service. For the calculation, the salary is taken, on which insurance premiums are calculated. Deductions to the FS - 22%. 16% go to the formation of the insurance (10%) and funded (6%) part of the old-age labor pension. Suppose that a citizen does not want to form the funded part separately.

To find the number of points earned in 2015, you need to:

IPC for different periods are added up and multiplied by the value of the point accepted at the date of retirement.

This is a simplified calculation without taking into account increasing coefficients, interrupted service, etc.

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 period;

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 category of preferential ones. 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.

- This is a monthly allowance, which is accrued to all citizens of the Russian Federation who have reached retirement age. These citizens have seniority, which they accumulated during their lives, and depending on it, the pension is distributed. Also, a pension is accrued in some other cases, which include the loss of a breadwinner or disability.

Pensioners receive a pension certificate

This state benefit is designed specifically for those who have already reached old age. Also, if a citizen has reached, but at the same time continues to work, the payment of a pension does not stop. The calculation of the pension began in 1932 and since that time it has not undergone major changes.

In Russia, a retirement age is set, upon reaching which payments are accrued. For women, this age is 55 years, for men - 60 years. Until now, the deputies sitting in the Duma are actively arguing on this issue. In the CIS countries, the retirement age is higher, maybe after a while it will be raised in Russia as well.

In order to be able to calculate benefits, you need to have. For women, it is 20 years, and for men, the length of service is at least 25 years. Citizens' social security funds deal with monthly pension payments. All other issues regarding the payment of pensions and their amounts are carried out by the state bodies of the Russian Federation in accordance with Federal Laws. There are three types of pension:

• old age
• Due to the loss of a breadwinner

old age allowance

Retirement age is different for men and women

In order to receive this type of benefit, you must reach a certain retirement age. How is the old age pension calculated? The total amount consists of three parts:

1. Basic part

A significant increase in the base part occurs only when a citizen reaches the age of 80, while he cannot be disabled and not support dependents. For the period of expected survival, the pension capital is divided. This is also the established figure, which has been 19 years since 2013.

Pension calculation

The calculation is carried out thanks to the established Law, which is adopted by the State Duma on the calculation of pensions. The calculation takes into account various contributions of a citizen, such as contributions to the Pension Fund, pension capital and many other indicators. The insurance part of the payment is calculated as follows: the average salary, length of service since 2002 and a special coefficient are taken.

It is calculated by dividing the wages earned for the entire period. At the same time, the funded part of the benefit is calculated using the same method as the insurance part, but the base part is a constant, while depending on the inflation process, it is indexed every year.

Components of the pension capital

The accrual of an old-age pension depends on various factors.

The pension capital consists of the amounts that the employer accrues to the employee in the course of work. It is taken from the moment of the pension reform - since 2002. Since 2010, the capital has undergone a change and increased by 10%.

For those who carried out their labor activity even before 1991, capital continues to increase by 1%. There are also special correction factors in order to calculate the amount of savings.

How is the old age pension calculated: exact calculation

To calculate the old-age pension, the following formula must be used:

• SC is the coefficient of insurance against seniority. It is minimal for both men and women and is 55% of the salary. For each subsequent year, exactly 1% is added to it. It should be noted that this ratio cannot be more than 75%.
• SZP are indicators of average earnings. It was installed back in 2001.
• ZR are indicators of the average wage for 5 years of any labor period, or for the period from 2000 to 2001.
• ZP is the average salary throughout the territory of the Russian Federation for the same period.

Using this formula, you can accurately calculate your pension amount.

Required documents for enrollment of benefits

Old age pension - help to people from the state

The Ministry of Labor and Social Development establishes a list of required documents for receiving a pension. We have already discussed above how the old age pension is calculated and accrued, now let's talk about the necessary documents for its execution.

First you need to write an application and submit it to the Pension Fund. After that, you should collect the following documents:

• , indicating the place of residence, age, citizenship;
• a card in which there is a mark on the personified registration of a citizen;
• a certificate for any 5 years before 2002 on average income, or a certificate on average income for the period from 2000 to 2001;
• for women it is necessary to provide children;
• for men, a military ID is required;
• as proof of employment. Instead, other documents may be submitted, such as a contract of employment, etc.

If the work book is lost, then the work experience is proved by at least two witnesses who also worked at the same place of work in the same period as the applicant.

How pensions are calculated for those who continue to work after reaching retirement age

The base part is accrued in this case absolutely according to the same principle as for those who no longer work. In the FIU, the employer accrues contributions in any case. They can be from rewards or from wages. Working pensioners are also subject to compulsory pension insurance. By the 15th day of each month, mandatory insurance premiums must be paid.

If the amount is paid later than the established date, then penalties are charged for such a violation, in case of full non-payment or partial payment, a fine is set in the amount of 20% of all amounts that the employer has not paid. If the pensioner requests, the employer must provide the Pension Fund with all information about the contributions transferred. In accordance with this information, the Pension Fund of the Russian Federation recalculates all contributions. for those retirees who are still working.

How is disability pension calculated?

To apply for a retirement pension, you need to submit a package of documents

If a citizen for some reason cannot carry out labor activity, whether partial or permanent, the state accrues a disability pension to him. So, according to what principles are similar ones calculated?

From factors such as the nature of work and the reasons why a person cannot continue working and the amount of benefits is calculated. It is also necessary to consider the circumstances that influenced the fact that the citizen became incapacitated.

Often the reason for such benefits is an injury received in the course of work, in connection with which a person cannot continue his activity. Regardless of the length of service, the pension in this case is established in any case.

If a person becomes disabled as a result of a serious illness, then it is necessary to provide all the documents that would confirm this.

Also, those who have dependents to support, i.e. incompetent citizens, also have similar payments. The amount of the accrual depends on the number of dependents. there can be no more than three. The northern coefficient is also calculated for those who have a work experience in the conditions of the Far North in the amount of 15 years, and those who have worked in nearby territories for at least 20 years.

A guide for those who have worked in law enforcement

The calculation of the pension for those who worked in the police is carried out in accordance with 54% of the salary. Length of service and rank play an important role. Money allowance also plays a role. Regardless of the date of dismissal, according to the Law of the Russian Federation, all accruals are recalculated. From monetary allowance and regardless of how long the length of service was, pension accruals cannot exceed 85%.

So, in order to calculate pension payments for police officers, you need to use the formula: rank + salary +% of seniority. The monetary allowance is 0.54, and the coefficient obtained thanks to the formula is multiplied by this amount. Depending on the length of service, a monetary allowance is established:

• 2-5 years at a rate of 10%;
• 5-10 years at a rate of 15%;
• 10-15 years at a rate of 20%;
• 20-25 years at a rate of 30%;
• more than 25 years of service at a rate of 40%. It is also considered the maximum allowance.

How is a pension calculated for an individual entrepreneur?

The funded part of the pension is due to those who have SNILS issued

They pay their own pension contributions, as they are considered both employers and self-employed. A pension is also accrued to them, only in addition to the basic part of the IP they have additional benefits.

As a rule, the IP pension is equal to the total number of those payments and contributions that are available on personal accounts. Nevertheless, individual entrepreneurs are also entitled to a pension from the state upon expiration until retirement age.

All paid contributions to the Pension Fund of Russia for all periods are taken into account. Depending on the taxation, the list of required documents also differs. Taxation changes frequently. therefore, when applying for pension benefits, additional clarification of such information is required.

New provisions for calculating pensions

The pension reform ended on January 1, 2015. Thanks to it, new provisions on the calculation of pensions now come into force. Now, it’s not so easy to calculate the amount of a pension on your own. Retirement points will be taken into account, as well as the “white” salary from which payments to the Pension Fund were deducted.

Life changes, and with it everything changes. Nobody knows what awaits us in the future, but in any case, we, as citizens of the Russian Federation, must be confident in. Pensioners have no reason to worry.

What documents are required to receive an old-age pension? Learn from the video:

The question of how the pension is calculated is quite important, so a very large number of citizens are concerned. Also important are such moments as its composition and types. Issues related to the advantages and disadvantages of state pension funds, as well as their non-state counterparts, should also be touched upon. In addition to these, you can ask a number of other equally important questions.

General concept

Every citizen has the full right to rest, especially when it comes to a well-deserved retirement. This can be understood as follows: work at a certain enterprise, to which the entire working life of a citizen was given, should guarantee him material support for the period of rest. And here no one talks about the obligations of the enterprise to its former employee in terms of providing such payments. This is done by pension funds, where contributions are made by each employer during the entire working life of the employee. The procedure for the formation, calculation and payment of pensions in the territory of the Russian Federation is carried out in full accordance with the law "On labor pensions".

The composition of the pension

If we consider the question of how a pension is calculated, then it should be mentioned that it consists not only of a mandatory part, but can also be supplemented by a voluntary one, and this indicates the possibility of using savings placed in a non-state pension fund. Mandatory pension has several types, which can be named: classical old-age pension, labor disability pension, as well as payments related to the loss of a breadwinner. The first of them usually includes three components: basic, funded and insurance.

Any enterprise and organization must make payments to the state compulsory insurance fund, and about half of these funds are transferred to the Pension Fund. These funds are not registered, that is, they are only transferred to the fund, where they are usually distributed for current pension payments to existing pensioners. This part just serves as the base, and its size depends entirely on the subsistence minimum at the moment, inflation and budgetary funds. The base part is not affected by seniority, wages, and other parameters. It can be paid even to foreign citizens who are permanent residents on the territory of the Russian Federation.

Insurance part

If we talk about how the pension is calculated, then it is necessary to consider the insurance part. It differs significantly from the basic one in that it is tied to a specific person. Its size is directly dependent on the amount of contributions accumulated at that time, as well as on the period of expected payments. From each employer, deductions are mandatory, the volume of which is 8-14% of the amount taxed for an individual employee. This amount usually includes not only wages, but also other funds that the company spends on each employee individually.

How is the insurance part calculated?

The insurance part of the pension is determined depending on the size of the pension capital accumulated in the personal account of the citizen, and the survival period, that is, the time that is determined by the state as allotted for citizens after retirement. It turns out that the insurance part of the pension is the entire pension capital divided by the survival period in months. This is the size of the monthly payments. After seeing off to retirement, the survival period is 19 years, which is usually quite enough. Such a period is used only to calculate a pension, and if someone lives longer, they will not be left without security. If we talk about how the old-age pension is calculated, then the law establishes that the later a citizen retires after reaching the prescribed age, the shorter the lifespan will be for him, that is, the amount of payments will be larger.

Accumulative part

This part is calculated in much the same way as the insurance part, but in this case the pension capital is replaced by the amount of savings. For each citizen, these savings are indicated in a special part of the personal account. The accumulative line differs in that it is usually placed in different investment instruments, it can be transferred to all kinds of funds for the implementation of management. Very often it is invested in various instruments, among which securities can be distinguished. Every working citizen has the right and opportunity to independently manage his funded part of the pension, thanks to which he can choose which management company or fund he will cooperate with in order to increase his savings.

Participation of non-state funds

The advantages of using non-state funds are quite obvious. Here we should first discuss the possibility of the most efficient investment of financial resources, thanks to which it is possible to ensure the optimal efficiency of pension growth. Usually, government funds work with instruments that are recognized as highly reliable, but this affects their profitability negatively. You can independently choose a management company from the list of those that have passed the competitive selection by the Russian Ministry of Finance. You can choose such a company once a year by filling out a special form.

For old age, using the new PFR 2019 online calculator. Our pension calculator for those retiring in 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”!

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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 2020.

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 totaled 8.333 trillion rubles. Pension payments increased by 279 billion rubles, social payments - by 11.8 billion. In 2019, they promise to pay pensions in full, they are going to index and increase them.

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 2019.

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 the 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, 60 for women and 65 for men;
• 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 2019 - 9.13, 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:

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 set 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 amounted to 4,982.9 rubles. per month. In 2019 - 5334.19 rubles.

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 2019, StIPK = 87.24 rubles. (in 2017 - 78.58 rubles, in 2018 - 81.49), FV = 5334.19 rubles. (in 2017 - 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 in excess of 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 2019?

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 2019. 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 2019 PV = 5334.19 and StIPK = 87.24, then we get the expected pension value:

SP \u003d 5334.19 + 80.4 x 87.24 \u003d 12,348.28 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:

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 (FV) in the event of the loss of a breadwinner is exactly half of the FV of the insurance pension: 4982.9 / 2 = 2667 rubles 95 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 2019, the scheme according to which the pension is calculated for the military who have completed their service is as follows:

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:

1. By seniority.
2. By disability.
3. 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:

1. At the time of dismissal from the authorities, the total experience reached 25 years.
2. Of all the years of total experience, the Ministry of Internal Affairs accounted for at least 12½.
3. At the time of dismissal, the age of the employee was at least 45 years.
4. 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:

1. We go to the site gosuslugi.ru.
2. We select the necessary service in the catalog - "Pension Savings".
3. 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 2019

For working pensioners, the pension was once again recalculated on 01/01/2019. 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 2019 is 87.24 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.