Sooner or later, every person begins to think about her future. The size of your pension is subject to compulsory calculation or in the branches of the Pension Fund of Russia, and absolutely free. To date, there are special services on the website of the State Service, as well as the PFR portal for citizens of the country, who want to learn about the size of their pension. This article will described in detail the procedure for working with these sites, as well as the basic formula for calculating pensions independently.
How to calculate pension by formula
There is a special law "On labor pensions in the Russian Federation", which for more than eight years regulates the procedure for obtaining a pension by citizens of the country. Of course, it will be very difficult to find out the exact size, since the amount of pension depends on too many nuances, but you can roughly calculate it yourself.
At the moment there are two formulas for calculation: the first is outdated, but, nevertheless, it still allows you to learn an approximate amount of deductions. The second, is the newest formula that is counting on your pension in the Pension Fund of the Russian Federation, but it is more complex and implies many indices and coefficients.
Consider them both.
A little outdated formula has the form: Pension size \u003d SK X SP / SP X SPP.
- SK is an anterior coefficient. For all the insured citizens of the SC is 55%. Every year over the established experience, and this is 25 years for men and 20 - for women, the person is charged an extra 0.01%. That is, if your experience is 27 years old and you are a woman, then the coefficient for calculation will be 55 + 0.07, total 62%. Please note that the maximum additional coefficient is 20%, that is, you will not receive additional interest after 40 years of experience in women and 45 - in men.
- SP - average monthly earnings. This indicator is calculated from the period of 60 months, simply take the arithmetic average of your salary for the specified period.
- ZP - Of course, the salary, but not yours, but the average in the country during this period. You can find out the middle sn, you can on the Internet for any time segment you are interested in.
An important nuance: The ratio of the SS / SP cannot be higher than the result of 1.2. Even if you get the number 3 or 7, you do not count it. 1.2 - the highest indicator.
- The SPP value is fixed and constantly updated, it is the average monthly salary in the country for any period that is established by the government independently. Find out it on the Pension Fund's website of Russia.
The second formula, newer, but complicated, has the form: SP \u003d IPK X Sipk X K + FV X to. Look at the decoding:
- SP - your average old age pension.
- IPC is the sum of your pension points at the time of the calculation, you can find them in this article.
- SIPK - the cost of an individual pension coefficient. That is, this is the cost of one point in the year of the pension. You can find out the cost of one score on the PFR website, follow the news, since the value of the score increases very often.
- K - premium coefficients. They also have to clarify in the FIU at the place of residence or along the hotline of the Foundation.
- FV - fixed payment. This is the amount that the state is guaranteed to add to any pension. For example, at the time of February 1, 2017, this amount is 4805.11 rubles, but it can be enlarged if: you have disabled citizens in care, you have more than 80 years old, or there is a first group of disability, experience more than fifteen years in the extreme north.
Thus, you can calculate your pension by formulas.
How to find out your pension points and approximate pension size on the PFR website
The Site of the Russian Pension Fund launched an uncomplicated online calculator to calculate its future pension to all citizens of the country. You can use it by clicking on the link to the official website of the FIU: http://www.pfrf.ru.
- Go to the Calculator through any window allocated in the screenshot. Both of them lead to a pension calculator.
- Fill in all the fields of your genuine information.
- Be sure to select your status in the column "you plan to work ...", since the subsequent points will change, according to your choice.
- Click "Calculate" to obtain the result.
Now you are informed about your approximate size of the future pension if you need detailed information, contact the Pension Fund of the Russian Federation in your place of residence.
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