For what years is salary taken to calculate the pension? Calculation of pensions in Russia: new rules How pensions are calculated
Pension provision for citizens is the most important social issue for all Russians. It is of interest to those who have already entered into their pension rights, and those who are just preparing to become pensioners, as well as the younger generation. This is due to the fact that our future life after retirement depends on the answer to this question.
Types of pensions
Before we begin to consider the question of what the size of a pension in the Russian Federation consists of and on what depends, it is necessary to identify the types of pensions. The following categories of citizens have the right to receive pensions on the specified grounds:
1. Insurance pension. Men and women who have reached retirement age of 60 and 55 years, respectively, are entitled to it, with the exception of those categories of citizens who have the right to early retirement (Resolution of the Government of the Russian Federation of October 29, 2002 No. 781), as well as citizens who “earned” insurance (or general labor) length of service using an increased coefficient (workers of the Far North, workers of anti-plague institutions, citizens exposed to radiation as a result of the accident at the Chernobyl nuclear power plant, conscripted military personnel, workers in the Chernobyl exclusion zone, etc.).
2. Disability pension.
3. Survivor's pension.
In this article we will look in detail at how the insurance pension is calculated and give an example of calculating a pension for citizens who have acquired the right to an old-age pension.
At the current time, there are still quite a lot of citizens who have worked in the Soviet Union (before the collapse of 1991) and are preparing to retire. For them, the issue of calculating old-age pensions remains relevant, taking into account the “Soviet” work experience, as well as labor, the calculation of pensions for which was applied until December 31, 2001.
Since January 1, 2002, citizens of the Russian Federation have been forming an insurance period.
“Soviet” length of service (until 1991) and total length of service (from 1991 to 2002) are taken into account in the assignment and calculation of old-age pensions in accordance with Art. 30 of Federal Law No. 173 of December 17, 2001.
This takes into account the valorization of pensions - this is an increase in the pension capital of all citizens who have work experience before the 2002 reform.
In accordance with the decree of the Government of the Russian Federation, for each year of “Soviet” service, the pension capital of citizens increases by 1%, respectively, and for the period of work from 1991 to 2002. - on 10%.
IMPORTANT! Work experience in Soviet and post-Soviet times is confirmed by relevant entries in the work book and other documents established for legal application.
Unconfirmed length of service cannot be taken into account in calculating a future pension. This is important, since during the collapse of the Soviet Union, the reorganization of Soviet enterprises, etc. Many citizens who have work experience in the former Soviet republics have lost the opportunity to confirm some periods of their work activity and thus received a lower level of pension.
Since 2002, the insurance period has been recorded in the personalized accounting of citizens' pension rights. That is, to calculate the pension, the Pension Fund takes into account only the period of work as a result of which contributions were made to the insured person’s account.
The calculation of the pension capital that a person earned in the Soviet Union and in the period before 2002 is carried out according to the formula:
- PC = (RP - 450) x T, where
- PC - pension capital,
- RP - calculation of the size of the labor pension,
- 450 - the amount of the basic labor pension as of January 1, 2002,
- T is the expected period during which the pension will be paid (228 months).
In this case, the size of the labor pension is calculated using the following formula:
- RP = SK x ZR / ZP x SZP, where
- SC - experience coefficient. For men with 25 years of work experience and for women with 20 years of work experience, it is 0.55. In this case, it increases by 0.1 for each additional working year beyond the specified period, but cannot be increased by more than 0.20.
- ZR - the average monthly level of earnings of a citizen for 2000 - 2001. Accepted on the basis of information from the employer (certificate from the Pension Fund of the Russian Federation about the income of the insured person).
- ZP - average monthly salary in the Russian Federation for the same period of time (RUB 2,223.00).
- SWP is the average monthly wage level in the Russian Federation for the period from July 1 to September 30, 2002 (RUB 1,671.00).
It is worth noting that when calculating, the ratio of ZR/ZP should not exceed 1.2; to calculate the “northern” pension – 1.4; for citizens with a regional coefficient from 1.5 to 1.8 - no more than 1.7; from 1.8 – no more than 1.9.
Example of pension calculation
Calculation of pensions until 2002
For clarity, let’s look at calculating the amount of pension capital using the example of a kindergarten teacher, a woman who has work experience in the Soviet Union and work experience before and after the 2002 reform (total experience is 25 years - early retirement for teachers, in accordance with Government Decree No. 781 dated October 20, 2002).
Let’s assume that this citizen retired in 2014, before the modernization of the insurance pension system. At the same time, her average monthly salary until 2002 was 2,000 rubles, and her monthly income from 2002 to 2014 was – 15,000 rub. (during the entire period).
1990 - 1 year of “Soviet” experience (valorization by 1%);
1991 - 2001 - 11 years of total work experience (valorization by 10%);
2002 - 2014 - 13 years of insurance experience;
SC = 0.55 + 0.5 (5 years in excess of the required experience) = 0.60
ZR = 2000 rub.
RP = 0.60 x 2,000 / 2,223 x 1671 = 901.94 rubles. - size of labor pension
PC1 = (901.94 – 450) x 228 = 10,3042.32 + 11,334.66 (11% valorization)
114,376.975 – pension capital formed by a kindergarten teacher before 2002.
Calculation of insurance pension
An insurance pension began to be formed for all citizens of the Russian Federation in 2002. It is formed from 16% of insurance contributions from the payroll, which are made by the employer on account of its employees at the Federal Tax Service (until 01/01/2017 at the Pension Fund of the Russian Federation). In total, the policyholder sends 22% of insurance premiums to his employees for the formation of their future pension. 16%, as we have already found out, is used to finance the insurance pension, and the remaining 6% goes towards the mandatory pension savings of Russians (from 2014 to 2019, funding for the funded pension is “frozen”). According to the Government of the Russian Federation, all lost pension savings of citizens are taken into account in the insurance pension. In calculating pension capital in our example, we will not take into account 6% in the insurance pension for 2014, since the Pension Fund of the Russian Federation does not provide their accounting method.
Pension capital, which is formed within the framework of the insurance system, as noted earlier, depends on the insurance period and the level of income of the citizen. Since insurance premiums, which form a citizen’s future pension capital, directly depend on his salary (payroll fund).
Until 2015, pension capital within the insurance pension was calculated according to the following rules:
- PC2 = salary x 12 months. x 16% x P, where
- ZP – monthly salary of a citizen,
- 16% - rate of insurance contributions towards the insurance pension,
- P - insurance experience (years)
- PC2 = 15,000 x 12 months. x 16% x 13 = 374,400 rub. – pension capital earned by the teacher from 2002 to 2014.
In total, the pension payment to a kindergarten teacher after 25 years of work will be:
- SP = PC / T + B, where
- SP – insurance (state) pension,
- PC – pension capital (PC1+PC2),
- T – expected period of pension payment,
- B – basic pension amount.
The basic pension is guaranteed to all Russians and is paid even to those citizens who have not earned the right to an old-age insurance pension. This minimum social benefit, which is calculated depending on the subsistence level, is indexed annually by the state. In 2014 B = 3910.59 rubles.
- SP = (114,376.96 + 374,400) / 228 + 3910.59 = 6054.35 rub. – insurance pension for a kindergarten teacher, the right to which the citizen acquired after years of service (25 years).
It is worth noting that every year, twice a year, the state (insurance) pension is indexed to the actual (officially established inflation rate for the previous year) and to the level of growth in the cost of living. Therefore, the final indicator of the amount of the insurance pension in our example will increase annually depending on the rise in consumer prices.
Formula for calculating pensions in 2017
In 2015, the method of accounting for an insurance pension and the right to purchase it changed significantly. Pensions are now calculated using pension points.
In order to understand how pension points are calculated for crediting them to the future rights of a citizen, consider an example:
Citizen with a salary of 50,000 rubles. You can earn the following number of points each month in 2017:
- CPB = SA year / (NB year x 16%) x 10, where
- KPB – number of pension points,
- SV year - the amount of insurance contributions of a citizen for the year,
- NB year - the maximum established tax base in the current year (in 2017 - 876,000 rubles).
- CPB = (50,000 x 12 months x 16%) / (876,000 x 16%) x 10 = 96,000 / 140,160 x 10 = 0.685 x 10 = 6.85 points citizen with a salary of 50,000 rubles. will earn in 2017.
Despite the fact that the maximum possible number in 2017 is 8.26 points, 6.85 points will be counted towards the insurance pension of the insured person.
Let’s assume that after 15 years of work, with unchanged earnings, tax base and the value of a pension point (in 2017, 78.28 rubles is worth 1 pension point), a citizen will receive the right to an insurance pension (subject to reaching retirement age or the right to early pension), since he will have 15 years of insurance experience and the number of pension points will be 102.75, which is more than 30.
- SP = IPK x SIPC + FV, where
- SP – insurance pension,
- IPC is the sum of all pension points that a person earned during his working life,
- SIPC is the cost of 1 pension point, which is established in the year the pension was assigned (we took it as the indicator established in 2017 - 78.28 rubles),
- FV is a fixed payment that is established by the state (in 2017 - 4805.11 rubles).
In our calculation of the insurance pension, we took the size of the pension fund at the level of 2017, but it is worth considering that this indicator changes annually after indexation.
- SP = 102.75 x 78.28 + 4805.11 = 12,848.38 rubles.
This amount will be the citizen’s insurance pension after retirement in 2031, with constant salary indicators, the cost of 1 point and a fixed payment.
However, since 2002, Russians’ pensions have been formed from two parts: insurance and funded. For completeness of information, we present the calculation of the funded pension.
Calculation of the amount of funded pension
The funded pension is financed from insurance contributions from employers to their employees and amounts to 6% of the payroll (of the citizen’s official earnings). From 2014 to 2019 Russians’ pension savings are “frozen”, so they increase exclusively through voluntary contributions (including contributions to the pension co-financing program) and through additional income provided by insurers (NPF, MC, GUK - VEB) to their clients as a result of investment activities .
To reliably calculate the funded pension according to the previously given example, we will take into account that until 2019 a citizen’s funded pension will not be formed, and assume that in 2019 the “unfreezing” of the full funded pension tariff will be approved - 6%.
A citizen’s income is unchanged and amounts to 50,000 rubles.
- CB = 50,00 x 6% x 12 months. = 36,000 rub. – the amount of insurance contributions towards the funded pension for 1 year.
Let's assume that a citizen has chosen a non-state pension fund with a yield of 10% annually.
It is worth noting that since 2016, Russians have the right to change insurers without loss of profitability no more than once every five years. Therefore, it is after this time that investment income is accrued to client accounts; we will also take this into account in further calculations.
|
Receipt from insurance premiums for ILS, rub. |
Calculation of profitability for the current year (10%), rub. |
Income from the insurer's investment profitability, rub. |
|
|
Total |
Over the 13 years of work of a citizen, with his constant earnings, constant profitability of the non-state pension fund and the “unfreezing” of savings in 2019, he was able to form an accumulative capital in the amount of 890,100 rubles.
Pension savings can be received in the form of a one-time payment or in the form of a monthly payment of a funded pension. In order to receive all savings at once, it is necessary that the amount of pension savings does not exceed 5% of the amount of the insurance pension. Otherwise, the citizen will be paid a monthly amount, which is calculated using the following formula:
- NP = NK / T, where
- NP - funded pension,
- NK - the total amount of accumulated pension capital,
- T - pension payment period:
- NP = 890 100 / 258 = 3,450 rub.
This amount will constitute a funded pension in the form of a monthly increase to the amount of the insurance pension.
In total, the citizen’s pension provision will be:
- PV = SP + NP = 12,848.38 + 3450 = 16,298.38 rub.
We received the amount of the pension payment of a citizen who worked from 2017 to 2031 and had an official income of 50,000 rubles, while we took all the data for the calculation for 2017 and left them unchanged throughout the entire time period.
Pension legislation in Russia has been reformed several times. Because of this, it seems that it is confusing and impossible to understand.
Diana Shigapova
knows what to count on
But calculating your future old-age pension yourself is realistic. This can be done quite simply - using a calculator on the Pension Fund of Russia website, although the results there will be very conditional. It is better to read this article and calculate the amount of your pension using a special formula.
Legislative regulation
The old-age insurance pension is calculated according to the rules established by:
- Federal Law of December 17, 2001 No. 173-FZ “On Labor Pensions in the Russian Federation”.
- Federal Law of December 28, 2013 No. 400-FZ “On Insurance Pensions”.
- Decree of the Government of the Russian Federation dated October 2, 2014 No. 1015 “On approval of the rules for calculating and confirming the insurance period for establishing insurance pensions.”
According to these laws, the pension fund determines the length of the insurance period, the value of the individual pension coefficient and the size of the future pension.
How to find out the size of your future pension
- The duration of the insurance - labor - length of service, which includes not only years worked, but also socially significant periods: military service, caring for children, disabled people, elderly relatives, living with a spouse in a place where there was no work.
- The amount of wages before deduction of personal income tax in each calendar year worked.
- Year of retirement. This is especially important if a person plans to retire not immediately at 65 or 60 years old, but later.
- Individual pension coefficient for each year worked and in total for the entire working life.
- The cost of the individual pension coefficient for the year of retirement.
- The amount of the fixed part of the insurance pension, which is established for the year of retirement.
All this data must be substituted into the formula for calculating the pension:
SP = IPK × SPK + (EF × KvEF),
where SP is the amount of the old-age insurance pension;
SPK is the cost of one pension coefficient - point - as of the day from which the old-age insurance pension is assigned. SPK for 2019 is equal to 87.24 R;
FV - fixed payment to the insurance pension, for 2019 - 5334.19 R;
KvFV - coefficient of increase in the EF, which is applied when deferring the application for an insurance pension.
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Individual pension coefficient
The individual pension coefficient, IPC, is the number of points given for the calendar year worked.
Calculation of individual coefficient occurs according to the formula:
IPKtotal = (IPKs + IPKn) × K,
where IPKs is the old individual pension coefficient, that is, the sum of points that a person scored before 01/01/2015;
IPKn - new individual pension coefficient, that is, the amount of points scored after 01/01/2015;
K is the coefficient for increasing the IPC, which is applied when deferring application for a pension.
The amount of the IPC for one calendar year depends on the amount of contributions that the employer transferred to the Pension Fund for his employee. It is calculated using the formula:
IPC = (SV / NSV) × 10,
where SV is the amount of insurance premiums paid by the employer for the employee,
NSV is the standard amount of insurance premiums.
Standard amount of insurance premiums You also need to calculate: the maximum value of the base for calculating insurance premiums is multiplied by 16%. The maximum base for contributions is set annually by the government of the Russian Federation. In 2019 it is 1,150,000 RUR.
It turns out that NSV in 2019:
1,150,000 R × 16% = 184,000 R.
Additional pension points They give not for the year worked, but for socially significant periods of life.
Examples of periods for which pension points are given
Military service upon conscription
Number of pension points
Caring for disabled people of group 1
Number of pension points
Caring for an elderly person over 80 years of age
Number of pension points
Care disabled child
Number of pension points
Accommodation with military spouse in a place where there was no work
Number of pension points
Living abroad with diplomatic spouse or consular officer
Number of pension points
Leave to care for the first child up to 1.5 years
Number of pension points
Leave to care for a second child up to 1.5 years
Number of pension points
Leave to care for the third and subsequent children up to 1.5 years
Number of pension points
These points are also included in IPKs and IPKn depending on when the event occurred.
Point cost approved by the legislator every year. For the period from 2019 to 2024, the cost of points is approved by Federal Law No. 350-FZ:
- from 01/01/2019 - 87.24 R;
- from 01/01/2020 - 93 RUR;
- from 01/01/2021 - 98.86 R;
- from 01/01/2022 - 104.69 R;
- from 01/01/2023 - 110.55 R;
- from 01/01/2024 - 116.63 RUR.
Two separate periods of employment were subject to conversion:
- From 2002 to 2014.
- Until 2002.
IPC accrued for these periods can be requested through your personal account on the Pension Fund website.
Fixed part of the insurance pension
The pension includes a fixed payment, so to calculate it you need to know the amount of this payment.
For everyone except disabled people, persons without dependents or without the right to early retirement, in 2019 the fixed payment is set at 5334.19 RUR. Further it will grow:
- from 01/01/2019 - 5334.19 R;
- from 01/01/2020 - 5686.25 R;
- from 01/01/2021 - 6044.48 R;
- from 01/01/2022 - 6401.10 R;
- from 01/01/2023 - 6759.56 R;
- from 01/01/2024 - 7131.34 RUR.
Premium odds
If you apply for an old-age pension later, and not upon reaching retirement age, then the coefficients for increasing the IPC and FV are used in the calculation.
The size of the bonus coefficients depends on the “delay” of the application.
What coefficients are used if you do not apply for a pension immediately?
| Number of months from the date of retirement age | IPC increase coefficient | PV increase factor |
|---|---|---|
| less than 12 | 1 | - |
| 12 | 1,07 | 1,056 |
| 24 | 1,15 | 1,12 |
| 36 | 1,24 | 1,19 |
| 48 | 1,34 | 1,27 |
| 60 | 1,45 | 1,36 |
| 72 | 1,59 | 1,46 |
| 84 | 1,74 | 1,58 |
| 96 | 1,9 | 1,73 |
| 108 | 2,09 | 1,9 |
| 120 | 2,32 | 2,11 |
How is the pension calculated?
The old-age insurance pension is calculated based on three conditions.
Age. From 2028, men will retire at the age of 65 and women at 60. Now, in the second half of 2019, men aged sixty and a half and women aged fifty and a half are retiring.
Number of IPCs. In 2019, it is enough for a future pensioner to have 16.2 points, but in 2024 pensioners must have at least 28.2 points, and in 2026 and beyond - from 30 points.
Only if these conditions are met will the pensioner be able to receive an old-age insurance pension. Otherwise, he will have to wait another 5 years and apply for a social old-age pension, which is much less than the insurance one. The amount of the social pension is set by the state.
How to calculate your pension
After determining the duration of the insurance period, the number of IPCs, the cost of one pension point, and the size of the fixed payment for the year of retirement, you can proceed to calculating the pension.
Calculation formula pensions are like this:
SPst = IPC × STpk + FV,
where SPst is the old-age insurance pension;
IPC - individual pension coefficient;
STpk - the cost of the pension coefficient;
FV - fixed payment.
You need to substitute your data into this formula. The result will be the amount that the pensioner will receive.
Calculation example. Let's take the conditions for 2024 and fast forward 33 years to 2057, when women who started working at 18 in 2015 will reach retirement age of 60.
Let’s assume that Anna worked for 30 years at a factory, gave birth to one child, was on maternity leave for up to 1.5 years, and received a salary of 40 thousand rubles.
First, let's calculate the number of points that Anna has earned throughout her working life.
Each year the employer transferred insurance payments in the amount of:
40,000 R × 12 × 16% = 76,800 R.
For each year worked, Anna received:
76,800 R / 184,000 R × 10 = 4.17 points.
Over the 30 years she worked, Anna accumulated:
4.17 × 30 = 125.22 points.
To the “labor” points you need to add points for child care:
125.22 + 1.8 (1 calendar year) + 0.9 (six months) = 127.02 points in total.
The cost of 1 point is 116.63 RUR. We count:
127.02 × 116.63 R = 14,814.34 R.
To them we will add a fixed payment - 7131.34 RUR. The total pension is 21,945.68 RUR.
Calculation of pensions for people who work unofficially. If you work unofficially, do not pay insurance contributions to the Pension Fund and do not collect the required number of points, you can only apply for an old-age social pension. You can enter it only 5 years later: for men - at 70 years old, for women - at 65.
In 2019, the social old-age pension is 5304.57 RUR. To this amount, enough is added from the budget so that the pensioner begins to receive the regional subsistence minimum for a pensioner.
How to find out the amount of pension savings
All information about pension rights and savings is in the PFR personal account. You can get it by ordering an extract.
Contact the pension fund or MFC. The extract will be given on paper on the day of application.
Send a request electronically or personal account on the Pension Fund website. The email response will come instantly.
How to increase the size of your future pension
There are three ways to increase your future pension.
Purchasing pension points. If it becomes clear from your personal account statement that there are not enough pension points, you can purchase more. To do this, you need to make voluntary insurance contributions to the Pension Fund. You can buy up to half of the required insurance experience - no more than 15 years.
Receiving the maximum contributory salary. From 2021, you can get a maximum of 10 points per year worked.
If in 2021 the maximum base for calculating insurance premiums is the same as now, in order to gain 10 pension points, you need to receive 95,833 R or more. Insurance premiums from these salaries will allow you to gain the maximum IPC.
Search for additional future income. Money can be deposited in a bank, opened an IIS, or invested in real estate. Each of these tools will bring additional income in the future. T-J already wrote,
Increasing pensions for entrepreneurs- a particularly pressing question. For paying fixed insurance premiums, they are awarded a little more than 1 point, because of this, individual entrepreneurs receive a minimum pension. Therefore, we advise entrepreneurs to read especially carefully
How to calculate old age pension
- Calculate your insurance period.
- Find out the number of accumulated pension points.
- Find out the value of the pension point and the size of the fixed payment for the year of retirement.
- Take into account benefits and bonus rates, if you are entitled to them.
- Submit the data into the calculator on the Pension Fund website, or calculate the pension manually.
The specific amount that the pension cannot exceed is not indicated anywhere.
Theoretically, whatever we earned, that’s what we’ll get.
But there are still some nuances that can limit it in size or, on the contrary, make it larger.
What your pension will be depends on several factors:
- official;
- time of retirement.
In addition to the factors mentioned above, the amount of the pension is reflected in the management scheme chosen during the period of its accumulation.
No one can provide an accurate forecast on this score; each citizen must independently monitor the profitability of investing their savings if they decide to continue their formation.
After retirement, those who formed a funded pension will be able to independently choose the period for which they want to “stretch it out.” You can withdraw everything at once and spend it at your discretion, or you can divide it over several years or for the rest of your life.
Which specialists have the highest pensions in Russia?
It is difficult to provide a specific list of such specialists. We can definitely say that those specialists who had the highest salaries during their work will also be better off in retirement than others.
Some of the highest paid specialists currently are notaries and judges.
They have a good income, but this is more a matter of the place of work, rather than the specialty, however, as in most professions.
Employees of internal affairs bodies can boast of relatively decent pensions, scientists 
retired doctors (not to be confused with nurses).
The standard of living of former cosmonauts and test pilots is also under state control.
Private practitioners and entrepreneurs form their own pensions, and therefore their size can be either negligibly small or quite high by average standards.
It turns out that a good specialty is not the key to a high salary and pension, the main thing is to successfully find a job.
The key to a decent pension is competent management of your finances during the period of its formation, as well as employment with law-abiding, generous and honest employers. If the salary is not high enough or is hidden from the eyes of the state, then the pension will be modest.
A controversial issue is the possibility of increasing the pension by delaying its registration. The size of the pension will be larger, but if you calculate how much money a potential pensioner will lose by postponing retirement until later, this increase does not seem such a worthy reward. But no one knows how long he will live; he may never have time to be a pensioner.
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For old age, using the new 2020 Pension Fund online calculator. Our pension calculator for those retiring in 2020, 2021, 2022, 2023 and beyond will help you calculate your future pension using reliable data taken from the official website of the Russian Pension Fund.
It should be noted that These calculation results are purely conditional., so you should not take them as the real size of your future pension. To accurately calculate it, in any case, you should contact the Pension Fund at the place of registration.
Attention readers! Before you start calculating your future pension using the online pension calculator, to fully understand its formation, we recommend that you read this material.
Below we have prepared the most relevant information for today and even provided a number of simple examples of independent calculations especially for those who do not trust “machines”!
Male Female
0 1 2 3 4 5 6 7 8 9 10
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.
In accordance with the data you entered, your length of service is , the number of pension points is . 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 4,959.85 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 points 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 4,959.85 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 of 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.
How to calculate your pension using the new pension calculator?
Our pension calculator contains all the information about the length of service and points earned. All you have to do is add current data that has not yet entered the database. In addition, we have up-to-date information about FV And StIPK, as well as numerous prompts to help you enter information correctly.
After entering the information, all you have to do is click the button "Calculate"- and you will get acquainted with a much more accurate version of your expected pension. A very useful thing for future retirees!
You should be aware that this online pension calculator is NOT applicable for military personnel and law enforcement officers who do not have insurance experience as employees in positions not related to military service.
Russia's pension strategy remained the same, only the component had to be temporarily disabled. It has not gone away, but will remain frozen until approximately 2020.
By default, all citizens of the Russian Federation are participants in the distribution system for this period, and all contributions go directly to it. The Pension Fund of the Russian Federation is balanced by revenues from the budget; in 2017, the transfer amounted to 977.1 billion rubles, and the total income of the Pension Fund of the Russian Federation was expressed as 8181.6 billion rubles. The PFR budget revenues for 2019 amounted to 8.333 trillion rubles. Pension payments increased by 279 billion rubles, social payments - by 11.8 billion. In 2020, pensions are promised to be paid in full, they are going to index and increase them.
Calculation of pensions using the new formula
Note. In the form on the right you can instantly calculate the number of pension points that can be awarded to you for 2020.
How many pension points can you be awarded for 2018?
Enter the amount of your monthly salary before personal income tax:
Error! Enter a salary higher than the minimum wage in the Russian Federation in 2018 - 9,489 rubles.
Number of pension points per year:
The insurance pension in Russia is formed for each citizen on the basis of his work activity, if we are talking about able-bodied persons, and is paid from the funds of the Pension Fund of the Russian Federation.
The rights of citizens to a pension today are reflected in the coefficients, they are also called. During implementation, all existing developments for pensioners, both current and future, were converted into these points.
In order to be able to calculate a pension, the following conditions are generally necessary:
- age, for women 60 years and 65 for men;
- , not less than a certain number of years. From 2024 this is 15 years; for previous years there are transitional values (what to do if it suddenly turns out that there is not enough experience);
- the presence of a certain amount of points, from 2015 - 30, with transitional values of earlier years.
The number of points depends not only on the years worked, but also on both accrued and actually paid.
The number of points a citizen can receive per year is limited from above and has a maximum. In 2016 it was 7.83, in 2017 – 8.26, in 2018 – 8.7, in 2019 – 9.13, in 2021 – 10.
However, it depends on how the citizen defines his attitude towards the funded pension (CP): whether he will take part in its formation or focus only on the solidarity system. Those born after 1966 will have to solve this problem, and everyone who is older has only one option - only an insurance pension.
Here are the values of these main parameters by year:
| Year | IPC – minimum amount | Minimum experience | Maximum annual IPC including payroll | Maximum annual IPC without payroll |
|---|---|---|---|---|
| 2015 | 6.6 | 6 | 7.39 | 7.39 |
| 2016 | 9 | 7 | 7.83 | 7.83 |
| 2017 | 11.4 | 8 | 5.16 | 8.26 |
| 2018 | 13.8 | 9 | 5.43 | 8.7 |
| 2019 | 16.2 | 10 | 5.71 | 9.13 |
| 2020 | 18.6 | 11 | 5.98 | 9.57 |
| 2021 | 21 | 12 | 6.25 | 10 |
| 2022 | 23.4 | 13 | 6.25 | 10 |
| 2023 | 25.8 | 14 | 6.25 | 10 |
| 2024 | 28.2 | 15 | 6.25 | 10 |
| 2025 and beyond | 30 | 15 | 6.25 | 10 |
In the case when we are talking only about an insurance pension, all points collected go towards its formation. When, along with the insurance pension, there is also a funded pension, the maximum 10 points are transformed into 6.25, since 27.5% of the number of insurance contributions are directed to the funded part.
We must understand: The state annually indexes the insurance pension. But the accumulative part is at the disposal of the management company or is not subject to indexation; instead, it is invested in certain financial projects. If such actions are successful and profitable, then the pension may increase. If the investment operation is unprofitable, the pensioner can only count on the amount of contributions paid.
Fixed payment, its size in 2019
Fixed payment ( FV) is called so because it is established every year by the state in hard monetary terms, that is, it is fixed for the year. As stated in, the annual increase in the PV indicator is a consequence of indexation to the amount of inflation of the past year.
However, this provision was suspended in 2016, and an indexation coefficient of 1.04 was adopted. In 2017, the result was a PV of RUB 4,805.11. for the bulk of retirees. In 2019, the size of the fixed payment after indexation amounted to 4982.9 rubles. per month. In 2020 - 5334.19 rubles.
PV has more than one meaning; it is set differently for different categories of citizens. It is indexed twice a year:
- February 1, based on the results of inflation of the past year;
- April 1, based on the results of the pension fund’s income for the previous period - this type of indexation is interpreted as possible, and the decision on this possibility is made by the government of the Russian Federation.
How is the insurance pension calculated in 2019?
Insurance pension ( JV) in Russia is calculated today using the formula:
SP = IPC x StIPK + FV
IPC– the sum of all pension points.
StIPK– the cost in rubles of one pension point.
FV– fixed payment.
As you can see, there is only one variable in the formula. This is an IPC that reflects how many points a future pensioner has.
The remaining two indicators are constants, that is, they have a constant value throughout the year.
In 2020, StIPK = 87.24 rubles. (in 2017 - 78.58 rubles, in 2019 - 81.49), FV = 5334.19 rubles. (in 2017 - 4982.9 rubles).
Both of these indicators are subject to indexation by the state, and their values change annually.
Strictly speaking, the task comes down to calculating the points scored - the IPC.
This is a rather cumbersome job performed by employees of the Pension Fund of the Russian Federation. They are required to calculate all points monthly, evaluate income and contributions paid from it to the Pension Fund, and also take into account the option with a funded part, if there is one.
In addition to points earned directly, some citizens can count on an increase in the IPC for other reasons. Additional points are awarded for other types of employment and added to the total.
There are quite a few such positions, all of them are specified. Here are some:
- 1.8 points are supposed to be added for completing military service according to conscription;
- 1.8 – for caring for a child under 1½ years old, added to one of the parents;
- 3.6 – for caring for the next, second child, up to 1½ years;
- 5.4 – for caring for additional children, 3rd or 4th, up to 1½ years each;
- 1.8 – for caring for a disabled or elderly person under certain conditions;
- others specified by law.
The possibility of increasing the IPC can be considered as an incentive prize if a pensioner applies for a pension after working for several years beyond the required age. For each such year of work, he receives a certain number of additional points - there are bonus coefficients for this.
This is a fairly significant increase in pension: if, for example, you continue to work beyond the required 5 years without applying for a pension, then the amount of the IPC will increase by 45%. And if we add here the increase in fixed payments over these years, we get a noticeable increase in pensions.
How to calculate your old-age pension in 2020?
In principle, when preparing to apply for a pension, everyone tries to independently estimate the numbers they are looking at. This is quite possible because the values FV (fixed payment) And StIPK()
is freely available. The most important thing remains - to correctly calculate the amount IPC.
Here is an example of a calculation when retirement took place immediately upon reaching retirement age.
Let's say it comes in 2020. The points earned will be 75, another 1.8 + 3.6 points are awarded for caring for two children, up to 1½ years old in each case.
∑ = 75 + 1,8 + 3,6 = 80,4
If in 2020 FV = 5334.19 and StIPK = 87.24, then we get the expected pension amount:
SP = 5334.19 + 80.4 x 87.24 = 12,348.28 rubles.
Disability pension
They are prescribed for medical reasons, with specification by disability group, without regard to existing experience, the causes of disability and the moment of its onset.
If there is no experience at all, then it is established. If at least 1 working day is registered, then there are grounds to assign. Its size is set individually, based on the length of service available, the amount of contributions to the Pension Fund and earnings.
First of all it is charged JV, and, based on its value, the pension is calculated. Its value is ultimately determined by the disability group.
Starting from 01/01/2015, the PV was removed from the joint venture, and its value is determined separately:
| From date | % indexing | 1st disability group | Disability group 2 | 3 disability group |
|---|---|---|---|---|
| 01.01.2015 | 7870.00 rub. | 3935.00 rub. | 1967.50 rub. | |
| 01.01.2015 | 11,4% | 8767.18 rub. | RUB 4,383.59 | 2191.80 rub. |
| 01.01.2015 | 4% | 9117.86 rub. | 4558.93 rub. | RUB 2,279.47 |
The size of the financial contribution increases for each disabled dependent supported by a citizen, but no more than three. This increase was:
- from January 1, 2015 - 1311.67 rubles;
- from February 1, 2015 - 1461.20 rubles;
- from February 1, 2016 - 1519.65 rubles;
- from February 1, 2017 by 5.4%.
Survivor's pension
The loss of a family breadwinner entails the assignment of a pension to the disabled dependents whom he supported. Of course, provided that their guilt in the death of their breadwinner has not been established.
The law clearly defines the circle of persons who can apply for a pension. In order for it to be assigned, the deceased breadwinner must have at least a minimum insurance period of at least 1 day.
From 02/01/2018, the fixed payment (FB) in case of loss of a breadwinner is exactly half of the FB of the insurance pension: 4982.9 / 2 = 2667 rubles 95 kopecks. This is the amount per disabled family member.
The assigned pension is paid every month, any delivery method can be chosen.
Military pension, calculation formulas
In 2020, the scheme according to which pensions are calculated for military personnel who have completed their service is as follows:
VP = (OVDZ + NDVL) x 50% +
+ 3% (for service over 20 years, for each year, but not more than 85%)x PC +
+ 2% (in case of non-indexation DD- Every year)
OVDZ- salary of military position and rank.
NDVL– bonus for length of service.
PC– reduction factor.
DD- monetary allowance.
Employees of the Ministry of Internal Affairs are also entitled, for the accrual of which they must serve in the Ministry of Internal Affairs for at least 20 years (read more about all the changes).
It can be of three types:
- By length of service.
- Due to disability.
- In connection with the loss of a breadwinner (relatives receive it if the breadwinner died or went missing).
There is also the so-called. This is the case when 20 years of service have not been accumulated, but one of the additional circumstances is present:
- At the time of dismissal from the authorities, the total length of service reached 25 years.
- Of all the years of total experience, at least 12½ were in the Ministry of Internal Affairs.
- Upon dismissal, the employee's age was at least 45 years.
- The reason for dismissal was either health status, or regular activities, or reaching the service age limit.
Future military pensioners, knowing thoroughly all the vicissitudes of their service, are able to independently estimate what pension they are entitled to.
To help them, the Pension Calculator program has been created, designed specifically for employees of the Ministry of Internal Affairs. If you provide her with the necessary information, she will calculate the required pension herself. For the convenience of users, it is equipped with various tips.
Formula for calculating funded pension ( NP) is extremely simple:
NP = Mon / T
T– number of months until payment.
Mon– the amount of funds accumulated in a special personal account.
Formed amount Mon maybe from the following sources:
- from pension insurance contributions;
- from additional contributions made by the employer in favor of the citizen accumulating a pension;
- from co-financing contributions Mon;
- from part of the family or maternal capital;
- from investment results from any of the sources.
Facilities NP You can receive everything at once, as a lump sum payment, or you can receive it gradually, in the form of an urgent pension payment, after reaching the required age.
How to check the amount of pension savings?
This is easy to do for an insurance pension.
Each pensioner has a personal SNILS - Insurance Number of an Individual Personal Account in the Pension Fund of the Russian Federation. With its help, you can find out the contents of your personal pension account, not only by visiting a Pension Fund branch, but also online via the Internet. How to do this is written in detail.
Moreover, you need to come to the department with a passport, and at EPGU (unified portal of public services) You just need to enter your SNILS number.
So:
- We go to the website gosuslugi.ru.
- Select the required service from the catalog – “Pension savings”.
- We request an extended account statement, to do this we enter its number.
After waiting a few minutes at the screen, we receive a letter with the amount of interest. If a user’s personal account has been created, then you can print out the information received.
If you want to get acquainted with the state of your funded pension, being a client of a non-state pension fund, then the Pension Fund is not your assistant; it does not have the necessary information.
The NPF has it, and to obtain it you will have to go to its website.
The cost of a pension point for working pensioners in 2020
Working pensioners once again had their pensions recalculated on 01/01/2019. As a result, each of them received an increase individually, some in tens and some in hundreds of rubles.
The price of a pension point in 2020 is 87.24 rubles. As the Law “On Insurance Pensions” says, during the January recalculation you can add no more than 3 points to your pension, in rubles it will be 244.47. This is how the recalculation procedure works for those citizens who do not apply for a pension.
If a person receives a pension and works at the same time, then the recalculation is made based on the realities of 2015, when the price of a point was 71.41 rubles. Accordingly, the increase in pension was less, only 214.23 rubles.
It turns out that at post-retirement age it is more profitable for a person to work without applying for a pension; in this case, he will receive larger additions to his pension in the next recalculations - which he hasn't received yet.
Is a working pensioner required to work 2 weeks upon dismissal? .
That is, there is a clear desire of the state to encourage the population to retire later in order to ease the burden of the Pension Fund.
This often causes criticism; supposedly there is a desire on the part of the state to ensure that fewer pensioners survive until retirement.
This may be true, but doesn't the desire to increase have the same goal in mind?
In addition, non-retirement in this case will be forced, whereas in the current conditions a person still has a certain amount of freedom of action. Known, but not complete, since many work simply because there is not enough money.
But there is another category of elderly citizens, whose interests in this case coincide with the state ones. Many, having become accustomed to working all their lives, will feel thrown to the sidelines in retirement, so they are in no hurry to get there.
As long as you work and interact in a team, you are useful, and life retains its meaning.
Last week I met with a friend who had just recently retired. My retirement age is also not far off, so I was interested in finding out what determines the size of the old-age pension and the procedure for calculating it.
After talking with a friend and learning a lot of new information from him, I decided to go to the Pension Fund in order to clarify a few points regarding the calculation of pensions. In this article I have collected as much useful information as possible, which, I hope, will help readers understand the features of calculating an old-age pension.
Any citizen of the Russian Federation who has reached retirement age can apply for an old-age pension.
My friend applied for a pension in October last year, since he turned 60 on the 3rd, and this is the retirement age for men. Women can apply for a pension upon reaching 55 years of age.
You've probably heard about the Government's plans to raise the retirement age. I clarified these rumors with the Pension Fund and they turned out to be true: indeed, starting from 2019, the retirement age will gradually increase. This means that in 2019, ladies will be able to retire only from the age of 56, and gentlemen from the age of 61.
The retirement age will increase every year until 2028, when women aged 60 and men aged 65 will be able to retire. After 2028, the retirement age will not increase.
Old-age pension with and without experience
An acquaintance of mine worked at a large manufacturing plant for almost 40 years before retiring. At 52 years old, I have only 20 years of official work experience. I asked a Pension Fund specialist if I could apply for a pension with such length of service, and this is the answer I received:
- You can apply for a pension without work experience. It turns out that even those citizens who have not worked a single day during their life have the right to a pension. Such persons are entitled to a social old-age pension. The same pension is paid to those whose length of service “does not reach” the minimum.
- Official work experience is required for a retirement pension. It turned out that 9 years of service would be “enough” for my friend to receive a retirement pension. This is how much you need to work to receive an insurance pension in 2019.
As the Pension Fund informed me, the requirements for work experience for a pension increase by 1 year every year. In 2024, the minimum length of service for a pension will be 30 years and will be fixed at this level in subsequent years.
I tried to calculate how much service I would need to retire. In 2031 I will turn 65 years old. By then you will need to have 30 years of experience. Now, at 52 years old, my experience is 20 years, which means that over the next 13 years I need to “add” at least another 10 years of experience.
What determines the size of the old-age pension?
The most interesting question for me was the procedure for calculating the old-age pension. I heard about the Pension Reform on TV, but I didn’t fully understand what it was. I filled this gap by asking questions to a PFR specialist. Now I’ll tell you what the size of the old-age pension depends on.
As I said earlier, old-age pension can be social (without experience) and insurance (with experience). Social old-age pension is paid in a fixed amount. If you apply for a social pension in 2019, you will receive a payment of 5,180.24 rubles/month. In 2019, this amount will be increased taking into account indexation.
The situation with an insurance pension is a little more complicated. To calculate it, a formula is used that takes into account several indicators.
Actually, the formula looks like this:
StrPens = IPK * StPensB + FixPayment;
Fixed Payout is an amount that is assigned by the Government in a fixed amount. StPensB is the amount that the state paid for each pension point.
What fixed payment pensioners can expect this year can be found in the Pension Fund. There you can also inquire about the cost of the IPC. By the way, these indicators are set by the Government at the end of the year and are valid throughout the next year.
If you are a happy pensioner in 2019, then you are entitled to a fixed payment of 4,982.90 rubles, and the IPC unit for you will be 81.49 rubles.
Now let's deal with the IPC. As the Pension Fund explained to me, IPC are pension points that a pensioner accumulates throughout his life. It turns out that the higher your salary, the more contributions the employer will pay, which means the greater the accumulated IPC will be.
It turns out that the IPC is the only variable indicator that is used when calculating pensions. Otherwise, the amount of the old-age pension depends on fixed values that are established by the Government.
How to calculate your old age pension yourself
Let's try to calculate the pension ourselves. To do this, you need to know the value of your own IPC. The Pension Fund automatically calculates the number of pension points you have accumulated, based on reports submitted to the Pension Fund by employers.
You can find out your IPC in one of the following ways:
- Contact the Pension Fund. You can personally visit the Pension Fund and find out all the information you are interested in, as I did. You can contact the territorial office of the Pension Fund at your place of registration, having your passport with you.
- Use the Internet. The Pension Fund website contains a very convenient online calculator, with which you can quickly calculate your IPC. To do this, you will need to fill in several fields (gender, year of birth, number of children, salary, etc.) and click the “Calculate” button. The result of the calculation will appear on the screen - the number of pension points you have accumulated. Here is a link to the calculator http://www.pfrf.ru/eservices/calc/.
- Calculate the IPC yourself. You can also determine the number of pension points through independent calculations. The difficulty is that the IPC before and after 2015 is calculated differently. First, you need to find out what amount of contributions your employer paid for you before 01/01/2015, then divide this amount by 228, and then by 64.1. So you will receive an IPC before 2015. After this, you need to find out the accrued salary and the maximum tax amount for each year (2015, 2016, 2017, etc.) and calculate the IPC using the formula:
IPK after 2015 = (Salary * 16 / 100) / (Taxation Value * 16 /100) * 10.
This calculation must be done for each year, starting from 2015, then all the indicators must be summed up and the IPC calculated until 2015 added to them. The result obtained will be your IPC, which is used when calculating your pension.
From my own experience, I will say that I was not able to calculate the IPC on my own. But I successfully used the online calculator on the Pension Fund website, and then double-checked the calculation result with a specialist at the Pension Fund.
In order to finally understand the procedure for calculating old-age pensions, we will use an example.
Let’s imagine that someone Ivan Kulebyakin is applying for a pension in 2019. In April 2019, he turned 60 years old, his work experience is 30 years, which means he is entitled to an insurance pension.
According to the calculation results, Kulebyakin’s IPK is 22.3 points.
Let's calculate Kulebyakin's pension:
RUB 4,982.90 + 32.3 * 81.49 rub. = 7,615.03 rub.
conclusions
To summarize, I will say that the size of the pension depends, first of all, on your length of service. If your work experience is less than required (9 years in 2019), then you are assigned a fixed social pension (RUB 5,180.24).
If your work experience meets the necessary requirements, then your pension depends on the number of pension points you accumulated during your working career, which is also called the IPC indicator. The more IPC, the higher the pension. You can find out how many pension points you have on the Pension Fund website or directly at the Pension Fund at your place of residence.