社会保险退休养老金计算器

功能：本表将协助您预测和估算退休时每月领取的养老金。声明：因社保养老计算公式复杂、费用项目因人而异、政策变化多，本表计算数据仅供参考，如有偏差以实际情况为准。提示：表中白色区域为用户填写区，请在此输入数据，其他区域无法编辑。你目前的社保养老金月缴费工资基数4560元你离退休尚有33年本市职工上年度月平均工资2200元你的合计缴费年限33年建议缴足15年以上你现在的年龄27岁你的指数化月均缴费工资11063.36元预估值，仅供参考你预计的退休年龄60岁首次领取时的个人账户储存余额350487.16元预估值，仅供参考养老金的个人帐户目前累积金额0元退休后领取基础养老金？？个月139月国家统一规定你已缴费的年限0年退休后大致每月领取养老金合计6076.62元默认个人工资年度增长率（复利）5％正常通胀下需要的养老金水平14593.52元默认职工工资年度增长率（复利）5％社保养老金替代率*54.9％默认通货膨胀年均增长率（复利）4％退休后每月的养老最低保障缺口-8516.91元每月养老金-正常通胀需要的养老金期望退休后每月生活水平保障（不考虑通胀的预期）4000元最低生活保障水平实际达成率41.6％每月养老金/正常通胀需要的养老金社会保险退休养老金（估值）计算器第一步：填写下列信息（用户填写区）“替代率”是指退休后的工资占退休前工资的比例，它反映了退休后生活水平下降程度，在这里以退休前指数化月均工资作为比较对象。第二步：计算结果预估（结果显示区）养老理财提示序号工资基数年度省基/市基省基/市基60%省基/市基300%预计实际缴费工资14560.0020082200.001320.006600.004560.0024788.0020092310.001386.006930.004788.0035027.4020102425.501455.307276.505027.4045278.7720112546.781528.077640.335278.7755542.7120122674.111604.478022.345542.7165819.8420132807.821684.698423.465819.8476110.8420142948.211768.938844.636110.8486416.3820153095.621857.379286.866416.3896737.2020163250.401950.249751.216737.20107074.0620173412.922047.7510238.777074.06117427.7620183583.572150.1410750.707427.76127799.1520193762.752257.6511288.247799.15138189.1020203950.882370.5311852.658189.10148598.5620214148.432489.0612445.288598.56159028.4920224355.852613.5113067.559028.49169479.9120234573.642744.1913720.939479.91179953.9120244802.322881.3914406.979953.911810451.6020255042.443025.4615127.3210451.601910974.1820265294.563176.7415883.6910974.182011522.8920275559.293335.5716677.8711522.892112099.0420285837.253502.3517511.7612099.042212703.9920296129.123677.4718387.3512703.992313339.1920306435.573861.3419306.7213339.192414006.1520316757.354054.4120272.0614006.152514706.4620327095.224257.1321285.6614706.462615441.7820337449.984469.9922349.9415441.782716213.8720347822.484693.4923467.4416213.872817024.5620358213.604928.1624640.8117024.562917875.7920368624.285174.5725872.8517875.793018769.5820379055.505433.3027166.4918769.583119708.0620389508.275704.9628524.8219708.063220693.4620399983.695990.2129951.0620693.463321728.13204010482.876289.7231448.6121728.133422814.54204111007.016604.2133021.0422814.543523955.27204211557.376934.4234672.1023955.273625153.03204312135.237281.1436405.7025153.033726410.68204412742.007645.2038225.9926410.683827731.22204513379.108027.4640137.2927731.223929117.78204614048.058428.8342144.1529117.784030573.67204714750.458850.2744251.3630573.674132102.35204815487.989292.7946463.9332102.354233707.47204916262.379757.4248787.1233707.474335392.84205017075.4910245.3051226.4835392.844437162.48205117929.2710757.5653787.8037162.484539020.61205218825.7311295.4456477.1939020.614640971.64205319767.0211860.2159301.0540971.644743020.22205420755.3712453.2262266.1043020.224845171.23205521793.1413075.8865379.4145171.234947429.79205622882.7913729.6868648.3847429.795049801.28205724026.9314416.1672080.8049801.28平均指数实际缴费情况个人账户年度2.074560.004377.602.074788.004596.482.075027.404826.302.075278.775067.622.075542.715321.002.075819.845587.052.076110.845866.402.076416.386159.722.076737.206467.712.077074.066791.092.077427.767130.652.077799.157487.182.078189.107861.542.078598.568254.622.079028.498667.352.079479.919100.722.079953.919555.752.0710451.6010033.542.0710974.1810535.222.0711522.8911061.982.0712099.0411615.082.0712703.9912195.832.0713339.1912805.622.0714006.1513445.902.0714706.4614118.202.0715441.7814824.112.0716213.8715565.312.0717024.5616343.582.0717875.7917160.762.0718769.5818018.802.0719708.0618919.732.0720693.4619865.722.0721728.1320859.012.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.002.07FALSE0.0011063.36350487.16指数化月工资个人账户余额 退休年龄计发月数402334123042226432234422045216462124720848204491995019551190521855318054175551705616457158581525914560139611326212563117641096510166936784687569657056同样是2006年1月1日后达到退休年龄，缴费年限满15年的人员。养老金是由基础养老金、个人账户养老金、过渡性养老金、过渡性调节金组成，根《个人账户养老金计发月数表》(省基＋本人指数化月平均缴费工资)／2×缴费年限×1％＋首次领取时个人账户储存余额／计发月数万一网中国最大的保险资料下载网新办法中本人指数化月平均缴费工资=退休时上年度在岗职工月平均工资×平均指年7月1日以后参加工作，符合按月领取基本养老金条件的被保险人，其基本养老金由基础养老金和个人账户养老金组成。　　基础养老金月标准以本市上一年度职工月平均工资和本人指数化月平均缴费工资的平均值为基数，缴费每满1年发给1%。　　个人账户养老金=个人账户储存额÷计发月数，计发月数国务院根据职工退休时城镇人口平均预期寿命、本人退休年龄、利息等因素，作了统一规定（见下表）。退休年龄不满整年的余数，按1整年计算。同样是2006年1月1日后达到退休年龄，缴费年限满15年的人员。养老金是由基础养老金、个人账户养老金、过渡性养老金、过渡性调节金组成，根养老保险改革有三大变化。第一，缴费基数变化。缴费基数高低与基本养老金计算办法挂钩。现在下限调整为2006年度本市职工月平均工资的60%（1800），上限为月平均工资的300%（9000）。第二，基本养老金计发与缴费年限关系更密切，缴费时间越长，领取养老金越多。缴费必须基础养老金=（退休时上年度在岗职工月平均工资＋本人指数化月平均缴费工资）÷2×缴费年限×1%(省基＋本人指数化月平均缴费工资)／2×缴费年限×1％＋首次领取时个人账户储存余额／计发月数万一网中国最大的保险资料下载网本人指数化月平均缴费工资=退休时上年度在岗职工月平均工资×平均指数(本人缴费工资除以当年职工平均工资)　　个人账户养老金=个人账户储存额÷计发月数，计发月数国务院根据职工退休时城镇人口平均预期寿命、本人退休年龄、利息等因素，作了统一规定（见下表）。退休年龄不满整年的余数，按1整年计算。基础养老金=（退休时上年度在岗职工月平均工资＋本人指数化月平均缴费工资）÷2×缴费年限×1%