Everyone thinks about what will be the size of his future pension. Therefore, he is trying to work officially and carry out other actions that contribute to an increase in the future payment. In this case, it is advisable to figure out how to calculate the pension by points. This is especially true for people who may soon retire. This allows them to understand how much will be paid from the PF.
What determines the size of the pension?
First, you need to understand all the innovations in order to determine what factors and features affect this significant payment. The correctness of its accrual and the actions of citizens contributing to its increase in the future depend on this. Under the new system, the size of this payment depends on three different factors:
- official employment and white wages;
- length of service of a citizen;
- age when a person retires.
The calculation of insurance payments is carried out not in any absolute terms, but in special balls. Before the payment is assigned, the pension points are calculated, after which they are multiplied by the set value, which is approved annually by the Government. It is subject to regular indexation, as it depends on inflation.
How much does a pension point cost? For 2018, this figure is 81.49 rubles. But in order to receive an insurance pension, each person must earn the optimal number of points. For people who achieve a retirement return in 2018, this amount is 13.8 points minimum. This indicator will grow annually, and it is planned that it will amount to 30 points by 2025.
What is the minimum experience?
To understand how to calculate a pension by points, one should take into account the minimum length of service for a person who plans to retire.
Now it is enough for citizens to work officially for at least 9 years to be able to receive this payment from the state. But this figure is considered by officials to be too small. In order to motivate citizens to work exclusively in official work, changes were made on the basis of which it is necessary that people officially work for at least 15 years. By 2024, this indicator will be used in calculating payments.
Salary requirements
Pension points additionally depend on the income received by the citizen. The more money the employer sends to the PF for the employee, the more significant his pension will be in the future.
But a significant condition is that only cash receipts that are official are taken into account. There is also a certain limitation. This is due to the fact that the maximum funds are paid from 710 thousand rubles. per year, so no more than 60 thousand rubles can be transferred to the Pension Fund monthly. The maximum number of points for a pension, which for 2018 is equal to 7.9 points, depends on this amount. It is planned that by 2021 this number will increase to 10. They are charged to citizens who receive the maximum salary all year.
Surplus Odds
The government refused to raise the retirement age, so every woman can still retire at 55, and a man at 60. Additionally, there are benefits for citizens working in harmful conditions.
But now special incentive conditions are being introduced so that people apply for payment as late as possible. Therefore, when studying how to calculate a pension by points, one has to deal with surplus coefficients.They depend on how long a person does not apply for payments after reaching the appropriate age.
For example, if a woman issues a pension not at 55, but at 60, then the payment will increase one and a half times.
New benefits
In addition, when determining a pension, different citizens can use unusual rewards. They belong to large families. Previously, young mothers could expect that only 3 years of care for all children would go into the experience, but now 4.5 years will be included in the experience.
Also, the service of a citizen in the army is now included in the seniority.
What is a pension accrued for?
It is worth understanding how points are awarded for retirement. For each officially employed employee, employers pay 30% of the premium on their salary. Most of the money goes to the person’s opportunity to receive free medicine, and the other to other social projects.
Of the 30%, only 16% is postponed for retirement. These funds are divided into two parts. One is represented by the insurance part, which includes 10%. This money is used to pay pensioners. At the same time, the amount of funds transferred by each person is recorded in the database. Based on this information, a citizen's pension will be calculated in the future.
6% are the funded part, which is stored in individual accounts. They can be stored in the PF or invested in various NPFs represented by management companies. They invest money in various profitable projects, which makes it possible to significantly increase deposits.
Statistics show that more than 20% of Russians are absent from the pension insurance system, so they do not receive official salaries. In the future, they will be able to rely solely on a small social payment.
How is pension calculated?
Many people think about how to calculate a pension by points. To do this, there is a special online calculator on the PF official website, which is really easy to use. It is represented by a standard questionnaire, in which you need to enter only the necessary information, after which the calculation will be performed automatically.
Numerous data are entered into the form for the calculation. These include work experience, the number of years a citizen was on maternity leave or served in the army, the average salary per year of work. Based on these data, a certain number of retirement points will be received. Then they are multiplied by the set value, which will allow you to get the approximate amount of the pension.
How to make sure that points are awarded correctly?
You should understand how points are awarded for retirement. They depend on the length of service and earnings. Moreover, scores increase even for periods when a woman was on parental leave.
If a person is caring for a disabled child or a person older than 80 years, then for each year 1.8 points are gained. The same number of points applies to citizens serving in the army.
Points calculation nuances
To calculate the payment, the following formula is used: fixed part * bonus coefficient (if the pensioner does not immediately apply for money) + number of points * cost of one point + accumulative part.
How many points do you need for retirement? To receive this payment in 2018, you need at least 13.8 points, but this number increases annually. It is assumed that by 2025 a person will be able to count on receiving this payment if he has officially worked for at least 15 years, and also scored more than 30 points. Having figured out how many points are needed for a pension, each person will strive to achieve this result.
Not enough points for retirement? What to do in this case? In such a situation, a pensioner can only rely on social benefits, which have a small size.You can improve the situation by continuing to work, so you should not immediately ask for a pension when you reach a pension return.
How is the insurance part charged?
The accrual scheme of the insurance part is considered not too transparent, so many people are really afraid that even if you work throughout almost all of your life, you still can’t get the required points to receive a pension.
Points for retirement by year are calculated quite simply. For this, the ratio of the amount of money paid in the form of contributions to the PF by the employer to the limit value is taken into account, and the resulting value is multiplied by 10. The limit value cannot be changed in any way by the citizen.
Calculation Example
For example, Smirnov receives a salary of 36 thousand rubles. per month. 69120 rub annually transferred by his employer to the PF. The maximum amount of deductions in 2017 is 140 thousand 160 rubles. Accordingly, Smirnov will receive points in a year: 69120/140 160 * 10 = 4.9.
In 2017, a maximum of 8.26 points can be earned, so a person earning more than 876 thousand rubles can count on them. per year or 73 thousand rubles. per month.
If a citizen cannot officially earn 87.5 thousand rubles a year, then he will not receive a single point. If there are several such years at all, then it is likely that in old age a person will receive only a social pension.
For people who receive not too high incomes, this method of calculation is considered not too suitable, since they will not be able to count on a really decent retirement pension.
What additional ways you can increase the insurance part?
It is allowed by law to increase the insurance part without formal employment, but for this, citizens must engage in useful and socially significant work. Therefore, additional points are awarded in the periods:
- conscription service, with 1.8 points each year;
- caring for the first baby in the family or for a disabled person of the first group - 1.8 points per year;
- caring for a second child until he reaches 1.5 years of age - 3.6 points for one year;
- care for subsequent children - 5.4.
They are counted solely in a situation when a person was officially employed before making a vacation. They are not accrued for those periods when people study in different educational institutions.
Citizens who retire not after reaching the appropriate age, but later, can also count on extra points. In this case, the pension is recalculated for points, so pensioners receive a higher pension. If a citizen applies for a pension five years after reaching 55 or 60 years, then the insurance part increases by 45%, and the fixed part - by 36%. Through this method, the state seeks to motivate citizens to work as long as possible.
Nuances for working retirees
People fear that if they apply for a pension immediately upon reaching the appropriate age, then the size of this payment is fixed, so if they even continue to work, then the pension will not increase. This opinion is erroneous, because for such a citizen, anyway, the employer will transfer funds to the PF. Money is reflected in the citizen’s personal account, therefore, the pension is recalculated annually.
The authorities also encourage part-time citizens to work, so an increase in the insurance part of the pension is ensured even with such employment. When determining the number of points, the salary at all places of work is taken into account. The numerator depends on it when calculating the size of the pension.
At the same time, there is a certain limitation, since in 2017 it will not work to score more than 8.26 points. In 2018, their maximum number is 8.7, and by 2021 it will reach 10.
For each pensioner, it is considered optimal to get a formal job, where he will earn in the range of 12 to 15 thousand rubles. It is advisable to initially tune in to the duration of the work, since the size of the pension directly depends on the length of service. Now, every person who wants to receive a really high payment in old age must have an experience of more than 15 years.
How to know the number of points?
Many people want to calculate on their own how much money they will receive in retirement. To do this, you can use the online calculator or a simple mathematical formula. Moreover, citizens often have difficulty calculating points. You can find them on the PF website.
To obtain this information, you need to register and log in on the official website of the PF, after which you need to find a section called “Pension savings” in your account. It is here that contains more detailed information on the basis of which the future pension is easily calculated.
Conclusion
Thus, the size of the pension depends on various factors, which include work experience, salary received and other factors. Based on these data, the optimal number of points for each year of work is calculated. They are limited by certain limits, and are also counted even when a person performs some social and important actions that are not related to official work.
Points are also earned after a person retires if he continues to work, therefore employers pay funds to him in the PF for him. Each person can independently increase their pension by adding points, for which you need to choose a well-paid job, and it is also recommended to retire as late as possible. Calculating a pension using points is considered to be a simple and quick process, easily performed independently or using special calculators on the official website.