If you pay 2,000 yuan a year and the government subsidizes 200 yuan, it is estimated that the accumulated balance of personal account will reach 47,476 yuan after 15 years according to the rate of return of 5%. If we don't retire immediately, the corresponding personal account amount will keep rising.

46476 divided by 139 = 34 1.55 yuan.

In this way, you can receive a personal account pension of 34 1.55 yuan every month. If the basic pension subsidized by the state is 1.20 yuan, the monthly pension can reach more than 460 yuan.