Calculating an old-age pension in 2018 for a woman born in 1963 is quite complicated. The article provides instructions for calculating pensions with a specific example. Since you should not rely entirely on Pension Fund Russia and treat your pension without due attention. Today, no one except the citizens themselves are interested in determining the size of their pension as profitably as possible.
New pension formula: in simple words.
Since 2015, not for the first time in a short Russian period of time, the procedure for establishing and calculating pensions has changed dramatically. Once again we are testing the Western model, now also on pension legislation.
Today we are getting used to a new fundamental term for pensions - the individual pension coefficient, calculated in points (). The amount of his pension depends on the number of points a citizen accumulates.
But that is not all. Now achievement retirement age does not at all mean the emergence of the right to a pension. If a woman turned 55 years old in 2018, she may be denied a pension for legally, if at least one of two conditions () is not met:
To demonstrate the procedure for calculating a pension (accruing points), we will apply the given rules for Marina, born in 1963, who submitted documents for a pension in 2018. She has been working since 01/01/1982.
1. We calculate the coefficient of average monthly wage (AMS), the ratio of your average monthly earnings (AM) to wages in the Russian Federation for the same period (ZP).
If the KSZP exceeds 1.2, then according to the law we take into account only the maximum threshold - 1.2.
When calculating average monthly earnings, you can use two income options:
1) average monthly earnings for any five consecutive years of work until 2002;
2) or average monthly earnings for 2000-2001.
When choosing a salary period of work to provide a certificate of average monthly earnings, you must focus on the most profitable period. Marina’s average monthly earnings for 5 years were 280 rubles, and for the same period it was 320 rubles. This means that the KSZP is equal to 0.875, which does not reach the maximum coefficient of 1.2.
The second option for earning money is more profitable for Marina: from 2000 to 2001. During this period, Marina’s average salary was 2,500 rubles. Taking into account that the average salary in Russia was 1494.5 rubles, the KSZP is equal to 1.67. But since the law limits the maximum size of the coefficient, therefore, for Marina, the KSZP will be 1.2.
In other words, to calculate a pension for the period before 2002, it is possible to provide several certificates of wages before 2002 in order to choose the most profitable option and obtain the maximum average monthly wage ratio of 1.2.
2. Calculate the experience coefficient.
For women who have a common seniority for at least 20 years, the coefficient is 0.55 and increases by 0.01 for each full year total work experience in excess of the specified duration, but not more than 0.20 (experience up to December 31, 2001 is taken into account).
In our example, Marina’s work experience is 20 years. This means that the experience coefficient for her is 0.55.
3. We calculate the estimated pension amount (RP) for Marina.
Design size labor pension for a woman with a total work experience of at least 20 years, it depends on the length of service coefficient (SC), the woman’s average monthly earnings (AZ), the average monthly salary in the Russian Federation for the same period (ZP) and the average monthly salary in the Russian Federation for the third quarter of 2001 for calculating and increasing the size of pensions approved by the Government of the Russian Federation (SZP = 1671 rubles).
RP = SK x ZR/ZP x SZP = 0.55 x 1.2 x 1671 = 1102.86 rubles.
4. Set the calculated value pension capital(PC) as of 01/01/2002 for Marina.
Another reform pension provision citizens leads to the need to allocate a separate period for calculating pensions. This stage is a continuation of the previous one, but is calculated independently.
7. We take into account accrued insurance premiums from 2002 to 2014.
According to individual (personalized) accounting data in the state system pension insurance From January 1, 2002 to December 31, 2014, Marina was provided with insurance contributions to the Pension Fund by her employers.
Annually received insurance premiums were indexed by the Pension Fund (in 2013 by a coefficient of 1.307, in 2014 - 1.177, etc. The last time in 2014 - 1.083).
Information about the status of your individual personal account can be obtained in your personal account of the Russian Pension Fund, through the client service of the Russian Pension Fund or the government services portal.
As a result, as of December 31, 2014, Marina’s individual account had accumulated insurance premiums in the amount of RUB 221,789.52.
As a result, the estimated pension capital, taking into account the amount of insurance contributions, will be 1,224,719.11 rubles. (1,002,929.59 + 1,224,719.11).
8. We count insurance part pensions (SP).
The insurance part of the old-age pension (SP) is calculated as a result of dividing the estimated pension capital (PC) by the expected period of pension payment (T).
SCH = PC / T
The expected period for payment of old-age labor pension for 2014 is established by law Russian Federation in the amount of 228 months.
SCH = PC / T = 1,224,719.11 / 228 = 5,371.58 rub.
9. We calculate pension points until 01/01/2015 (PB).
Pension points (PB) are calculated as a result of dividing the size of the insurance part of the pension (SP) by the cost pension point as of 01/01/2015 (Sat).
PB = MF / SB
The cost of one pension point as of January 1, 2015 (SB) is established by the legislation of the Russian Federation in the amount of 64 rubles 10 kopecks.
PB = MF / SB = 5,371.58 / 64.1 = 83.8 points
Thus, as of January 1, 2015, Marina had 83.8 points.
How is pension calculated from 2015?
New pension legislation provides for the annual conversion of insurance premiums recorded on a citizen’s individual personal account with the Russian Pension Fund into individual pension coefficients (points).
The number of pension points depends on accrued and paid insurance contributions to the compulsory pension insurance system and the length of insurance (work) experience. For every year labor activity a citizen, subject to the accrual by employers or personally paid insurance contributions for compulsory pension insurance, his pension rights are formed in the form of pension points. The maximum number of pension points per year from 2021 is 10, but in 2015 – 7.39, in 2016 – 7.83, in 2017 – 8.26, in 2018 – 8.70.
The number of pension points (PB) is determined by multiplying by 10 the result of dividing the total amount of paid insurance contributions (SP) by the maximum contributory salary (MC) paid by the employer at a rate of 16% (approved by the government for each year).
PB = SV/MV x 10
The amount of insurance contributions paid by the employer at a rate of 16% of the maximum contribution base is: in 2015 - 115,200 rubles (720,000 rubles x 0.16), in 2016 - 127,360 rubles (796,000 rubles x 0. 16), in 2017 – 140,160 rubles (876,000 rubles x 0.16).
In 2015, Marina, for an individual facial, was credited 73,600 rubles. Or 6,389 points (73,600 / 115,200 x 10).
In 2016, Marina, for an individual facial, was credited 75,200 rubles. Or 5,905 points (75,200 / 127,360 x 10).
In 2017, Marina, for an individual facial, was credited 76,800 rubles. Or 5,479 points (76,800 / 140,160 x 10).
As a result, for the period from January 1, 2015 to December 31, 2017, Marina accumulated another 17,773 points.
When retiring, the following formula applies.
The accumulated number of points is multiplied by the cost of one point (as of 01/01/2018, the price of a pension point is 81.49 rubles) and added fixed payment(as of January 1, 2018 – 4,982.90 rubles) – federal law dated December 28, 2017 No. 420-FZ.
P = B x SB + FV
During her working career, Marina accumulated 101,573 points. P = 101.573 x 81.49 + 4,982.90 = 13,260.08 rub.
Thus, Marina’s pension will be 13,260.08 rubles.
conclusions
Despite the simple example of calculating an old-age pension, it must be admitted that determining its size is quite difficult and requires special knowledge in the field of pension legislation.
If a pension is granted on a preferential basis, the procedure for assigning it becomes significantly more complicated. But don't let it go pension issue free swimming is your financial well-being. Professional legal advice can bring you tens of thousands of rubles.
Ministry of Labor and social development The Russian Federation (Ministry of Labor) and the Pension Fund of Russia (PFR), after long and painstaking work, informed the President that the pension calculator developed by experts had been successfully launched. This service allows people who are still working to find out approximately how much pension they can hope for when they retire.
Of course, this is an approximate value that This pension calculator is designed to calculate the conditional amount of a pension in 2019 prices using the current pension formula and the formula that is currently developed by the Government of the Russian Federationpension calculator 2019 It will be given to you online. The calculation of pensions is carried out both according to the rules currently in force and in accordance with the new formula for calculating pensions, which was developed by the government of the Russian Federation. Therefore, when the pension calculation service appeared, it is now possible for any Russian citizen to determine his pension. The pension calculation form is designed in such a way that it is possible to estimate what will happen in the future with the pension rights of any person who is planning to retire in the future. The calculator takes into account several factors that affect the amount of the pension, these are:
- duration of work;
- length of military service for men;
- fact of child care for women,
- continuation of work after reaching retirement age.
It should be noted that according to, the amount of the old-age pension depends primarily on the amount of insurance contributions that were transferred for the employee to the Pension Fund of Russia, so to speak, to the compulsory pension insurance system (OPS). But the amount of work experience of an employee retiring has almost no effect on the size of his pension. This restriction is removed, because it takes into account the so-called annual pension coefficient, which takes into account every year of work of a Russian.
The specific size of the calculated pension increase coefficient depends on the difference between the employee’s salary and the maximum possible size wages from which employers legally pay insurance contributions to the compulsory health insurance system. At the beginning, the maximum salary will be set at 1.6 times the Russian average salary (AWS), but then the government plans to increase it to 2.3 AWS within 7 years.
Note: Salaries, of course, are taken into account only exclusively “white”, official, without “envelopes”!
The old-age insurance pension is calculated using the formula: the sum of your pension points is multiplied by the cost of one pension point in the year the insurance pension was assigned and the amount of the fixed payment is added.
When calculating the conditional amount of the insurance pension, the following indicators for 2016 are used:
- Fixed payment - 4383 rub. 59 kopecks;
- The cost of 1 pension coefficient is 71.41 rubles;
- The maximum salary before personal income tax, subject to insurance contributions, is 66,334 rubles per month.
In addition, when calculating the labor insurance pension, additional increasing coefficients will be taken into account for each year of work after the person reaches retirement age. In addition, coefficients for military service and time spent caring for a child are introduced. By adding up all the annual and bonus coefficients, the resulting amount is multiplied by the value of the annual pension coefficient. It will be set every year by the government of the Russian Federation, as well as by the coefficient for deferred pension, i.e. for the fact that a person remained working and did not retire due to old age. This is the main incentive factor.
The received fixed payment (analogous to today's fixed base amount of the insurance part of the old-age labor pension, its size in 2013 is 3,610.31 rubles), is increased by the size of the bonus coefficient for work after reaching retirement age - and here it is, your pension. At least the insurance part of it. But for those who were born in 1967. or later, there is also a funded part, consisting of insurance contributions from employers and income from their investment.
Note: Pension calculator intended only for those Russians who work and for whom More than three years left until retirement. The service is not intended for calculating payments for the disabled and incapacitated, people who have lost their breadwinner, military personnel and employees of law enforcement agencies, individual entrepreneurs, as well as workers in hazardous and hazardous industries who have the right to early retirement. Because the size of pensions for them is calculated according to other, special principles that this calculator does not take into account.
PERSONAL ACCOUNT of a citizen, The amount of the future Pension can be adjusted via the Internet
Citizens can refuse the funded component of their pension, as well as transfer their pension savings from the Pension Fund to the Non-State Pension Fund online.
Note: Information from the Pension Fund of Russia
These opportunities are provided for users of the “Personal Account of a Citizen” on the PFR website who have a qualified electronic signature (CES).
Via the Internet, you can submit applications to transfer from the Pension Fund to the NPF and vice versa, as well as transfer your pension savings from one NPF to another.
In addition, you can refuse the funded part of the pension in favor of the insurance one. Moreover, it does not matter who now manages the funded part of your pension (PFR or NPF).
To gain access to your “Personal Account”, you just need to register and have an account on. There is no need to register separately on the Pension Fund website. But to obtain a qualified electronic signature, you will have to contact an accredited certification center. A list of such centers, as well as detailed instructions instructions for submitting electronic applications can be found on the Pension Fund website.
Citizens can ask their questions about pensions by phone
Citizens can get a free consultation by calling the new number of the unified federal call center of the Pension Fund of Russia:
8-800-302-23-02
Not only the consultation is free, but also the call itself (in Russia). You can request clarification at any time of the day.
The Unified Federal Advisory Service of the Pension Fund of the Russian Federation answers questions regarding, in particular:
Please select your tariff.
Please indicate your gender.
According to the law, pension savings are not formed for citizens born in 1966 and older.
Enter another value for your work experience.
Please indicate your year of birth.
Enter a salary higher than minimum size wages in the Russian Federation in 2019 - 11,280 rubles.
In accordance with the data you entered, your length of service is , the number of pension coefficients is . From 2025 minimum total experience to receive an old-age pension – 15 years. The minimum number of earned coefficients for assigning a pension is 30. If in your answers to the questions you indicated less than 15 years of experience or the number of accumulated coefficients does not reach 30, then you will be assigned social pension by old age: women at 65 years old, men at 70 years old. The old-age social pension today is 5,283.84 rubles per month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in the region of your residence.
In accordance with the data you entered, your length of service is , the number of pension coefficients is . You do not have enough pension coefficients or length of service to assign an old-age insurance pension. From 2025, the minimum total length of service to receive an old-age pension is 15 years. The minimum number of earned coefficients for assigning a pension is 30. If in your answers to the questions you indicated less than 15 years of experience or the number of earned coefficients 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. The old-age social pension today is 5,034.25 rubles per month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in the region of your residence.
If you want to receive a higher pension, reconsider your life plans so that your work experience is 15 years or more and you can ultimately earn at least 30 pension coefficients.
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 minimum experience specified in each type of activity separately.
If you want to receive a higher pension, reconsider your life plans so that your work experience is 15 years or more and you can ultimately earn at least 30 pension coefficients.
Sorry, the calculator is not intended to calculate the size of pensions of current pensioners, citizens who have less than 3-5 years left before retirement.
Reforms are constantly being carried out in Russia, including those related to the pension system. Therefore, it is extremely important to know how to calculate your pension in 2018.
When calculating your pension in 2018, the total points and the difference in the periods between reaching the appropriate age and actual retirement will be taken into account. In addition, the government will index fixed payments and the cost of points.
The pension in 2018 will depend on the following parameters: salary, length of service and the period when retirement occurs. In addition, since 2015, its funded part has been separated from the insurance component. The final amount of the pension depends on pension points, which will remain relevant next year.
The legislation determines the formula by which pensions will be calculated in 2018:
SP = F×K1 + IR×SK×K2, Where
- SP – insurance pension;
- F – fixed payment;
- K1 – coefficient that increases the payment subject to a delay in retirement;
- IR – individual coefficient;
- SC – the cost of the coefficient, which is determined upon actual registration;
- K2 is an additional coefficient that increases the individual’s income under the condition of later retirement.
The fixed payment depends on indexation, which takes place in February (mandatory) and April (optional). In 2017, the government increased the fixed payment to RUB 4,823. (indexation by 5.4% in February and 0.36% in April). In this case, the final amount of the fixed payment depends on a number of additional conditions.
Current legislation provides for an increase to the fixed payment in the following cases: disability, work in conditions Far North, age over 80 years, etc. As a result, the average payment in 2017 was 5,745 rubles. Taking into account indexation in 2018, the basic fixed payment will reach 5,000 rubles.
The cost of IC also depends on indexation. In 2017, this figure reached 78.58 rubles, and in 2018 it will increase to 80 rubles.
The individual coefficient is determined as the sum of annual coefficients (AGC), or pension points. In this case, only those periods when insurance premiums were transferred are taken into account. In addition, applying for a pension later will increase the individual coefficient.
To calculate the GIC, 3 parameters are used:
- insurance premiums paid from the total income received during the year (CO);
- 16% of contributions from the maximum contributionable salary (set by the government on an annual basis) (SM);
- multiplier 10 – maximum number of annual points.
GPC = CO / SM × 10.
A delay in applying for a pension can significantly increase its size. For example, if a pension is issued 5 years after reaching the required age, then the individual coefficient is multiplied by 1.34. In addition, the fixed payment is multiplied by 1.27. The maximum premium odds reach 2.32 for the individual odds and 2.11 for the fixed part.
An example of calculating the level of pension for a man who will apply for it in 2018:
At the time of actual registration, the IC is 78 points. At the same time, the fixed payment in 2018 reaches 5,000 rubles, and the cost of a pension point is 80 rubles.
As a result, the pension will be:
5000 + 80×78 = 11,240 rub.
If we assume that a man reached retirement age in 2013 and applies for it in 2018, then the payment amount will be significantly larger:
5000×1.34 + 80×78×1.27 = 14624 rub.
Pension problems
The economic crisis, which, unfortunately, is in no hurry to end, is forcing officials to cut government spending again and again. The optimization includes pension costs. In the near future, the ratio of old-age pensions to the cost of living will decrease to 50% (versus the current 161%). In addition, already in 2018 the size of the social pension will be less than the required minimum, which will become a real test for pensioners.
According to the latest official data, the number of complaints against NPFs in the past months of 2017 alone has increased 5 times, or almost 3 thousand complaints in absolute terms, and by 2018 there will be even more of them. The reason for this is the conclusion of contracts without the knowledge of citizens and the loss of investment income due to poor awareness of the population.
A painless transition from one pension fund to another remains a major challenge.
The ratio of pensions to the cost of living began to decline after the start of the crisis. Despite high inflation, the government was unable to ensure appropriate indexation of pension payments.
The cost of living is calculated based on the cost of the basic consumer basket, taking into account the inflation index. According to officials’ forecasts, in 2018 this figure for pensioners will be 9,364 rubles. At the same time, the social pension in the same period will be 205 rubles less.
The subsistence minimum allows you to determine the level of social supplement (the difference between all social payments received and living wage). The support provided by regional authorities is also taken into account.
Long-awaited reforms
Domestic pension system remains unbalanced, which can lead to serious consequences. An increase in the number of pensioners per employed person leads to an increase in the budget deficit. On this moment To cover the Pension Fund's expenses, the authorities use a frozen funded pension. However, experts note that this only perpetuates the current problems. To eliminate existing imbalances, the authorities must decide to carry out painful reforms.
In 2016, the government launched several initiatives aimed at reducing the pension fund deficit. Officials decided to abandon indexation for working pensioners and raised the retirement age for civil servants. In addition, the authorities decided to deliberately combat salaries in envelopes, which will increase revenues from insurance premiums.
However, experts consider such measures to be insufficient. The authorities should consider options for increasing insurance premiums and the retirement age. In addition, the government should abandon existing sectoral incentives and early pensions, which has already begun to happen. In this case, the state treasury will save more than 600 billion rubles annually.
The passivity of officials is associated with the social sensitivity of this issue. The authorities prefer to postpone making difficult decisions for fear of a rating downgrade.
The pension calculation in 2018 takes into account total points and their value, bonus coefficients and a fixed payment. The later a citizen retires, the higher its size will be. In addition, despite the economic crisis, the government continues to index fixed payments and the cost of points.
Experts note that the current pension model remains unbalanced. To correct the situation and reduce the pension fund deficit, the authorities need to decide to carry out painful reforms. We strongly recommend that citizens, especially those over 35 years of age, explore other ways to preserve capital, such as bank deposits and investments.
When calculating the conditional amount of the insurance pension, the following indicators for 2019 are used:
- Fixed payment - 5334 rubles. 19 kopecks;
- - 87.24 rubles;
- The maximum salary before personal income tax, subject to insurance contributions, is 95,833 rubles per month.
In 2019, about 1.5-2 million citizens will retire. However, younger people should not delay and become interested in future old-age benefits now. The pension calculator calculates how much a person will receive if he retires this year, given his current salary and other parameters. It shows the approximate result.
The exact amount will be known after submitting a retirement application and calculating all rights and benefits; you can always see it in. An analysis done in advance helps determine future financial support in old age and creates motivation for honest, regular contributions to a retirement account.
Pension calculator on the website www.pfrf.ru
Calculation of pensions using the new formula calculator online
Influencing factors
After the reform for calculating pensions, the IPC - Individual Pension Coefficient - was added to the influencing factors. It is quite simple to calculate it by entering your salary before deduction of personal income tax into the form on the website. In another way, IPCs are called pension points. They affect old-age insurance benefits, which are calculated by multiplying points by the price of one point in a given year and summing these values.
Conditions for receiving old age benefits:
- Availability of retirement age: from 55 years old for women and from 60 years old for men.
- A certain number of years of experience in paying insurance premiums. From 2024 this figure will reach 15 years.
- Minimum number of pension points: 30.
Important: The number of points per year is limited. In 2019 it is 8.7, and in 2021 it is 10 for citizens who do not have pension savings. Otherwise, other figures appear: up to 6.25% in 2021.
Worth remembering: the state regularly indexes the insurance pension, while the funded pension is located in a non-state pension fund or management company, depending on the desire of the citizen, and is not subject to indexation. Verified funds invest these funds in financially profitable projects, increasing the client’s income. If the programs turn out to be failures, then the client can only hope for the amount that he had already contributed earlier.
What else is the IPC charged for: individual cases
IPC can be accrued not only based on length of service, but also in some situations described in the law.
1.8 points are awarded for one year of care for the following category of citizens:
- disabled person of group I;
- disabled child;
- old people over 80 years old;
- child under 1.5 years old (both parents).
1.8 is also accrued for one year of conscription service in the army. If a parent takes a year off to care for a second child, he will be awarded 3.6 points, and for the third and fourth - already 5.4.
The Pension Fund encourages people to retire as late as possible by offering an increase in fixed payments and insurance cash benefits by 36% and 45% points, respectively, if a citizen applies 5 years after receiving the right to security in old age. After 10 years, the fixed payment will increase by 2.11, and the insurance payment will increase by 2.32.
Military pension
Military pension also has its own calculation formula:
- 50%. .
There are three types of military pension:
- by length of service;
- on disability;
- for the loss of a breadwinner - relatives receive if he goes missing or dies.
Important: if 20 years of service are not achieved, the pension is calculated based on mixed length of service.
Fixed payment, its size in 2019
The fixed payment in 2019 is 4,982.90 rubles for persons who have reached retirement age. Depending on the category of pensioners, it may vary:
- 7,474.35 rubles for persons with more than 15 years of work experience in the Far North, with 25 years of experience for men and 20 for women.
- 9965.80 - for disabled people of group I.
- 4982.90 - for disabled people of group II.
- 2491.45 - for disabled people of group III.
- and some other categories, in accordance with the law of December 28, 2013 N 400-FZ.
Indexation of the fixed part occurs every year on February 1, taking into account the growth of inflation. From April 1 every year, the Government may consider increasing it based on the income of the Pension Fund.
How is the insurance pension calculated in 2019?
The insurance pension includes four periods of earned funds:
- until 2002;
- 2002-2014;
- after 2015;
- others non-insurance.
In 2019, the cost of one point is 81.49 rubles. It grows from year to year, taking into account indexation and inflation. The formula for calculating a pension is: multiply the number of points by the cost of one and add a fixed payment. Let’s say you have 70 points in your account, then the insurance benefit will be 70 x 81.49+4982 = 10,686.3 rubles.
The number of points depends on the citizen’s work experience and his contributions, while the other two indicators are established by the state annually and indexed.
Funded pension: size, sources and conditions of receipt
Since 2015, the funded pension (CP) ceases to be part of the labor pension and becomes an independent type of old-age benefit. Its size depends on the length of the payment period.
Formula for calculation: the amount of pension savings is divided by the number of months of the expected payment period.
NP is formed in several ways:
- The funds are contributed by the employer during the entire working period of the employee: 22% of the salary - 16% to the insurance part and 6% to the funded part.
- Maternity capital can be invested partially or in full.
- Participation in the Co-financing Program.
An insured person of retirement age has the right to receive NP if his savings in the pension account are at least 5% in relation to the amount of the old-age insurance benefit. The fixed payment and size are also taken into account funded pension, which is calculated as of the day of her appointment. Otherwise, when the ratio is less than 5%, the citizen has the right to request a lump sum payment, when the accumulated amount is paid at a time without monthly division.
In addition, a citizen receives NP regardless of receiving other cash benefits.
How to check the amount of pension savings?
Previously information about pension savings reported the Pension Fund of Russia, and now the citizen himself can familiarize himself with them at any time:
- online on the websites gosuslugi.ru and pfrf.ru, you only need your SNILS number;
- in the branches of the Fund;
- from employees in bank branches or ATMs: VTB, Sberbank, etc.
Important: to create an account on the State Services portal, you will need your passport number and series, as well as SNILS. After gaining access to sections of the site, open the “Russian Pension Fund” tab for further information. If difficulties arise, the Hotline will provide options for solving the problem. Number: 8 800 100-70-10.
The cost of a pension point for working pensioners in 2019
About 10 million citizens are working pensioners, and in 2019 the Government may leave this category without pensions. These include persons receiving wages and making contributions to the fund, as well as self-employed people. Pension payments since the beginning of 2019 increased by 3.7%. Accrual of points for work experience is possible in an amount of no more than 3 and in total it is 244.47 rubles.
How to calculate your pension using the new pension calculator?
The PFR pension calculator allows you to calculate your future pension online and form your opinion on how to ensure your old age with dignity. It is not suitable for military personnel and law enforcement officers who do not have employment experience in civilian areas.
All calculations are approximate, the exact figure will be obtained after applying for cash benefits, when all pension rights and benefits will be calculated in each case. To simplify the calculations, some factors are assumed to be constant, taking into account that the person retiring will receive it in the current year.
Persons who worked in the Far North, caring for certain categories of citizens, have the right to increased coefficients for calculating benefits.
Self-employed citizens must annually transfer 1% of the amount of at least 300,000 rubles to compulsory pension insurance.
A small questionnaire is presented on the official website of the Pension Fund. You must specify:
- year of birth;
- number of years of conscription service;
- number of planned children;
- duration of care for certain categories of citizens;
- the period after reaching retirement age during which a person refuses to pay cash benefits;
- official salary;
- type of work: self-employed or hired worker;
- seniority.
After entering all the data, you need to click the “Calculate” button.
On the page with the calculator there is also a column where you can calculate the number of pension points that can be received in 2019, taking into account wages before deduction of personal income tax (NDFL).
Let's sum it up
The main task of the online calculator from the Pension Fund for calculating pensions is to inform the population about the criteria that influence the provision of old age, and to motivate them to increase their readings by increasing social and labor activity. The flat salary, regular contributions, insurance period and retirement age determine its size.
It is quite difficult to manually calculate all the benefits and entitlements over a lifetime. Special algorithms will do this on their own, taking into account various criteria, but their numbers are not accurate due to some constant coefficients. It will be possible to find out the specific amounts after submitting an application for retirement, where Pension Fund specialists will calculate all the nuances in accordance with the law.
