Personal account pension = accumulated amount of personal account/number of months. The higher the amount of savings in personal accounts, the more pensions we will eventually get. Therefore, the more pensions you pay, the better. The specific calculation method of Shenzhen pension is as follows:

Pension = basic pension+personal account pension

Basic pension = (average monthly salary of employees in the province last year+my average monthly payment salary) /2X payment period X 1%= average monthly salary of employees in the province last year (1+ my average monthly payment index) /2X payment period X 1%.

Among them, my average payment index is divided into three grades: 0.6, 1 3, depending on how much money my unit or company has paid.

Personal account pension = personal account deposit/calculation months (50 years old 195, 55 years old 170, 60 years old 139)

This personal account pension is the 8% old-age insurance cost we bear every year. Let me give you an example for your understanding. If the employee Lao Chen retires at the age of 60 and pays 15 social security, the average monthly salary in the province last year was 4,000 yuan, and the payment benchmark was 3,000 yuan.