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Russia - The expert explained how to calculate the size of your pension yourself

Russia (bbabo.net), - You can calculate the exact amount of your pension yourself using the formula, Maxim Kvasha, the author of financial literacy projects, told Rossiyskaya Gazeta.

He recalled that the insurance pension consists of a fixed payment, the amount of pension coefficients or points, as well as their number. So, the fixed part of the pension is the same for everyone, and after indexing on February 1, it amounts to 6564 rubles 31 kopecks. It is this part of the pension in double size that is received by citizens who are 80 years old. This year they will receive it in the amount of 13,128 rubles 26 kopecks.

In addition to it, there are also pension coefficients or points. From February 1, one such coefficient is 107 rubles 36 kopecks.

But the pension should also reflect the personal contribution of each pensioner. Therefore, the number of accumulated points is taken into account, which depends on the insurance premiums that the employer made for the employee. There is a minimum number of points that you need to get during your lifetime: when you retire in 2022, a person must have accumulated 23.4 points, and next year, for example, 25.8 points will be required. At the same time, you can get no more than ten points per year. Their maximum number is given for the payment of contributions to compulsory pension insurance from the maximum amount of income. That is, above a certain income, contributions to the Pension Fund do not form pension rights, but go only to support current pensioners. In 2022, this ceiling is 1.565 million rubles per year, or about 130 thousand rubles per month.

This design is determined by the ideas of social justice, the expert says. “Firstly, it is necessary to stimulate the payment of taxes: if you don’t pay, you will be left without an insurance pension. among pensioners it was too high, so today the minimum pension is at the subsistence level, and the maximum is about 45 thousand rubles," Kvasha concluded.

All information about the accumulated pension rights is presented in the personal account on the website of the Pension Fund. You can also order a statement of the state of an individual personal account for free. It can also be obtained through the public services portal or at the MFC.

On February 1, the law on the indexation of pensions by 8.6% came into force, according to which pensions for January should also be recalculated. The surcharge will come automatically along with the February payment. For example, if after indexation on January 1 by 5.9%, the pension amounted to 15,885 rubles, then, taking into account indexation by 8.6%, the pensioner should have received it in January in the amount of 16,290 rubles. Consequently, in February he will receive an additional payment for January in the amount of 405 rubles. At the same time, the pension for February will already come in the amount of 16,290 rubles. The average insurance pension of non-working citizens after the February indexation in relation to the previous year increased by about one and a half thousand rubles and amounted to almost 19 thousand rubles.

Russia - The expert explained how to calculate the size of your pension yourself