How to calculate the future pension yourself: experience, salaries, formula, example

Knowing how to calculate a future pension is important, since this information will clearly show the financial future after an active labor period. At the same time, within the framework of this topic there are many nuances unknown to the average person in the street.

Basic Information

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

There are three types of labor pensions that you should know about:

- TA caused by disability;

- TA by age (old age);

- TP, associated with the loss of the breadwinner.

At the heart of the financing of pension payments are insurance contributions from employers. Women who reached the age of 55, and men who have overcome the 60-year threshold can count on a pension. These are fairly clear rules, giving a simple answer to the question - which retirement age is relevant now in Russia. But even if a citizen, so to speak, has processed, this will not be left without attention.

At the moment, the pension fund uses a rather complicated formula to calculate payments, but it is explained by the desire to take into account the various factors that may affect the amount of payments. But, in general, trying to understand how to calculate old-age pension, you need to consider the key indicators that are used in the calculation. These are the following elements:

- BC (base part). It is established by state bodies, taking into account the availability of family members in dependence, restrictions in the labor process and age.

- LF (the cumulative part of the labor pension for old age). This part is formed from the income from investing pension funds in the Pension Fund of the Russian Federation and voluntary insurance contributions.

- MF (insurance part of pension). It depends directly on pension capital, which in turn consists of two parts: the amount of insurance contributions after 2002 and the calculated pension capital before that period.

In general, two blocks of information about a citizen are used in the calculation, before and after the pension reform. And to the inhabitants, wishing to understand how to calculate the future pension, This fact must be taken into account.

Further, this topic will be considered in more detail, taking into account the factors that are relevant for various categories, including the military.

What is important to consider before calculating

To clearly understand how to calculate the future pension, you need to pay attention to some of the nuances on which the size of payments depends. So, for different groups of citizens and the terms of the calculation will be slightly different:

- Those who are on pension, continue to work, can expect that payments in their case will not be canceled and, moreover, will gradually increase.

- If a citizen prepares to complete the labor period and worked a lot before the reform, then his experience and experience will be recalculated into points without any financial damage.

- There are people whose age is already close to retirement, but they have not been officially worked out for 15 years. This category of citizens, like people who do not have any experience at all, will be able to receive only a social pension.

- 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 accrued will actually remain at the level of citizens receiving an official salary from one employer.

- Thinking about how to calculate the pension itself, it is worth remembering that an illiterate distribution of interest between a funded and insurance pension can lead to certain losses. The amount of payments will be greater only if the category of accumulation becomes a priority.

Well, it is quite obvious that the so-called salary in the envelope significantly worsens the pension perspective, as it significantly reduces the size of the deductions.

About the points system and key changes

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

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

- length of service;

- the period of retirement ;

- amount of deductions.

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

First of all, the period of required labor activity has increased, with each year it will grow until it reaches the mark of 15 years. This 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, men will have to work up to 60.

- It is necessary to work out the minimum work experience. It is about a term of 6 to 15 years.

- The final condition is the availability of the required number of points, which is equal to 30 or more.

Points are automatically charged. Consideration will be given to such indicators as the amount of deductions, work experience and the age at which a particular citizen will retire.

The formula for calculating pensions, Relevant for young people, should include all these indicators. If you miss the points or the experience will be too short, then the exit to a well-deserved rest will be delayed for 5 years. And in this case, the form of the pension, social or labor, will not be of key importance.

Those who actually complete their careers or are ready to cease their activities in connection with the approaching retirement age, should not be worried. Although the indicators will be recalculated, they either have no effect on the size of the pension, or will lead to an increase.

Possibility to receive bonuses

According to the current legislation, citizens under certain conditions can receive additional points. Such bonuses are accrued in the following cases:

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

- When a citizen passes military service in the Russian army. There will also be a score of 1.8 points for each year of service.

- Women who are on maternity leave can count on bonuses. In this situation, the charging scheme changes slightly. Traditional 1.8 points brings the first year of the decree. The next 365 days give an opportunity to get 3.6 points. The third year of leave for childcare raises the mark to 5.4 points. If the duration of the decree exceeds the 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 whose age exceeds 80 years. Here, the charges remain at the standard level (1.8).

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

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

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

Where IPO should be understood as individual contributions of a citizen to a pension fund, while the NGO means the normative of deductions, and the letter N is used to designate a specific year.

Calculation scheme

Talking about future payments to people who are close to retirement age, it is worthwhile to use a different scheme than in the case of young people, who still have a lot of work to do.

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

П = FBI + СЧ1 + СЧ2 + СВ.

The FBI needs to understand the fixed base amount of the pension that the state sets.

SCH1 is the insurance part of the pension for calculation of which employer's insurance contributions are used until 2002.

СЧ2 - the insurance part, consisting of contributions after 2002.

As the CB, the amount of valorization is determined and depends on the number of full years of experience.

If you draw a calculation algorithm by stages, then the picture of the process will be somewhat complicated.

So, first of all, the trainee ratio is taken into account, which will have a direct effect on the size of the pension as a result. It is as follows: 0.55 units are assigned to men for 25 years of experience before the reform (2002) and women for a 20-year period. If this limit is exceeded for each year, a 0.01 unit of the coefficient is added, while this indicator can not exceed the mark of 0.20. So, within the framework of the topic "how to calculate the future pension," you must first pay attention to the length of service.

Next, the calculation of the ratio of the salary of the future pensioner and the average earnings in the country 2000-2001 is made. As an alternative, data can be used for any 60 months of work without interruption.

The size of the ratio should not exceed 1.2. If we are talking about the inhabitants of the Far North, this indicator will fluctuate around 1.4-1.9 units. This largely depends on the coefficient to the salary, in a centralized order established in a particular area.

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

Preferential pension

In this case, the question "how to calculate the pension yourself?" Is also relevant. But in order for self-calculation to be correct, you need to perform several successive actions.

- For starters, it is worth getting information about your position - whether it is classified as preferential. To receive this information it is possible on the site of the PF, which contains a list of professions that allow specialists to leave for a deserved rest before the rest of the citizens.

- If the required profession was found in the list, then further actions will be taken to determine the specific periods of employment that are counted as seniority. At this stage, it is important to pay attention to both the length of service and the institution in whose walls it was necessary to work, since there is also a list of enterprises related to the preferential category.

- Having counted up the experience and having understood with data about the former employer, it is necessary to check up, whether the received information corresponds to requirements of the current legislation. Next, it is worth to find out how many balls the guaranteed amount of worked years will allow, taking into account the rates of pension contributions. This information can also be found in the PF.

- The number of balls should be multiplied by the pension coefficient, and in the end, the size of the reduced pension will be obtained.

Using the electronic service

For those who wish to go in a simple way, it makes sense to pay attention to the pension calculator, which is on the official website of the Russian Federation. This program will greatly simplify the process of calculating the necessary indicators.

This service takes into account all relevant introductory notes, which can affect the amount of pension and the time of retirement. All you need is to fill in all the suggested fields, which is a simple task.

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

All the years devoted to official work are taken into consideration. The exception in this case is the maternity leave and the time of the decree. By the way, the points for vacation for child care are also taken into account.

It is also worth noting that a Russian citizen can receive a 25% surcharge for a pension if he has lived in rural areas for the past 30 years and worked in the agricultural sector.

How to deal with the Soviet experience

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 significance at all. Without this information, it is difficult to understand how to calculate a pension for a woman born in 1961 And other citizens who started working in the times of the Soviets.

First of all, it should be noted that the experience that was received before 2002, including up to the time of 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 experience up to 2002 and 0.01 for every 12 months beyond the specified rate, which over the seven-year period will be 0.07. As a result, the ratio to which the salary will be transferred will be 1.2.

But, unfortunately, for many citizens the Soviet salary for calculating a pension is not actually taken into account. Instead, the average wage for the country in the period from 2000 to 2001 is taken into account, which was equal to 1,647 rubles. Subtract the Soviet salary in order to accurately determine the pension capital. To these indicators will be added deductions and experience recorded after the reform.

On average, a citizen who worked for 35 years and received a salary of 20,000 rubles. Will be able to count on a pension that is 35% of its size, that is, a little more than 7,000 rubles. Such, probably, not absolutely iridescent example of calculation of pension will be actual for those citizens who already actively worked during the USSR. The only plus is that when you work at retirement age, payments are saved.

Servicemen

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

- Long service. The duration of labor activity has the most direct effect on the amount of payments. Only at the expense of this indicator the military subsidy of the military can be increased by 50%. Moreover, each non-standard year brings an additional 3% extra charge.

- Disability, which is the result of a disease. In this case, the premium can reach 75%.

- Obtaining a disability while serving in the Russian army. In such circumstances, the pension can be increased by a maximum of 130%, but what exactly the size of the allowance will depend on the group obtained 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 pattern as that of the military. Here also the length of service is taken as the basis of calculation . The increase in the level of payments is influenced by such factors as the salary for a special rank and position.

What is the situation with IP?

To obtain the right to a pension, individual entrepreneurs must have experience of 15 years. Here it is important to clarify the fact that as periods of service the periods when contributions to the PF were made are determined, and it does not matter whether the active entrepreneurial activity was at that time or not.

At the same time IP will be counted in the experience of the same periods as in the case of other citizens (decree, time of service in the army, care for disabled people, etc.).

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

Results

So, trying to figure out how to calculate old-age pension, you can draw the following conclusion: the state is aimed at an objective formation of the amount of payments to different categories of citizens. It is for this purpose that there are so many introductions in the calculation formula. As for self-calculation, the fastest way to accomplish this task is to use a retirement calculator on the PF site.