15、25、30年！缴得越久，领的养老金越多
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.hicsq.com/static/publish/css/style.css?v=1605251010486" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010486"><div class="preview_article "> <!----> <p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">你知道吗?</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">养老保险缴费<strong style="outline: 0px; box-sizing: border-box !important;">基数越高</strong></span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">年限越久</strong></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">退休后的养老金也就<strong style="outline: 0px; box-sizing: border-box !important;">越多</strong></span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">企业职工养老保险<strong style="outline: 0px; box-sizing: border-box !important;">缴满15年</strong></span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">是办理退休的必要条件之一</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">但并不代表缴满15年就可以不缴费了</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">根据相关规定</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">与用人单位保持劳动关系的</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">用人单位和个人应继续参保缴费</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">至达到法定退休年龄</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">大家最关心的是</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">企业职工养老保险</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">缴15年、25年、30年</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">最后拿到的养老金差别究竟有多大？</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">今天，重庆发布用数据</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;">来为大家做个对比</span></p><p style="text-align: center; outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;">↓↓↓</p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pic.app.hicsq.com/front2_0_FtH5EL2GVuQQGlQoIRfgREKblqBV.1631524344.png?watermark/1/image/aHR0cHM6Ly9waWMuYXBwLmhpY3NxLmNvbS93YXRlcl9pbWdfMjAyMTAzMTZfMzE1LmpwZw==/dissolve/80/gravity/Center" alt="" width="640" height="215" data-qf-origin="front2_0_FtH5EL2GVuQQGlQoIRfgREKblqBV.1631524344.png?watermark/1/image/aHR0cHM6Ly9waWMuYXBwLmhpY3NxLmNvbS93YXRlcl9pbWdfMjAyMTAzMTZfMzE1LmpwZw==/dissolve/80/gravity/Center"></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); text-align: center; font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><span style="max-inline-size: 100%; outline: 0px; cursor: text; font-size: 16px; box-sizing: border-box !important;"><strong style="max-inline-size: 100%; outline: 0px; cursor: text; box-sizing: border-box !important;">各部分养老金计算公式如下</strong></span></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><br style="max-inline-size: 100%; outline: 0px; box-sizing: border-box !important;"></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><span style="max-inline-size: 100%; outline: 0px; cursor: text; font-size: 16px; box-sizing: border-box !important;"><strong style="max-inline-size: 100%; outline: 0px; cursor: text; box-sizing: border-box !important;">基础养老金 =（A+A×Q）÷2×M×1%</strong></span></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><br style="max-inline-size: 100%; outline: 0px; box-sizing: border-box !important;"></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><span style="max-inline-size: 100%; outline: 0px; cursor: text; font-size: 16px; box-sizing: border-box !important;"><strong style="max-inline-size: 100%; outline: 0px; cursor: text; box-sizing: border-box !important;">A：</strong>退休当年养老保险待遇计发基数</span></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><span style="max-inline-size: 100%; outline: 0px; cursor: text; font-size: 16px; box-sizing: border-box !important;"><strong style="max-inline-size: 100%; outline: 0px; cursor: text; box-sizing: border-box !important;">M：</strong>缴费年限（含视同缴费年限，不含折算工龄）</span></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><span style="max-inline-size: 100%; outline: 0px; cursor: text; font-size: 16px; box-sizing: border-box !important;"><strong style="max-inline-size: 100%; outline: 0px; cursor: text; box-sizing: border-box !important;">Q：</strong>个人平均缴费指数（由历年缴费中的当年本人月缴费工资与上年度全市在岗职工月平均工资比值的平均数确定，其中从2019年起，全市在岗职工月平均工资改为全市就业人员月平均工资）</span></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><br style="max-inline-size: 100%; outline: 0px; box-sizing: border-box !important;"></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><span style="max-inline-size: 100%; outline: 0px; cursor: text; font-size: 16px; box-sizing: border-box !important;"><strong style="max-inline-size: 100%; outline: 0px; cursor: text; box-sizing: border-box !important;">个人账户养老金 =K÷L</strong></span></p><p style="max-inline-size: 100%; outline: 0px; clear: both; min-height: 1em; cursor: text; color: rgb(119, 105, 94); font-size: 14px; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); background-color: rgb(255, 252, 245); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; box-sizing: border-box !important;"><span style="max-inline-size: 100%; outline: 0px; cursor: text; font-size: 16px; box-sizing: border-box !important;"><strong style="max-inline-size: 100%; outline: 0px; cursor: text; box-sizing: border-box !important;">K：</strong>退休时个人账户累计储存额（含利息）</span></p><p class="empty_paragraph"><strong style="background-color: rgb(255, 252, 245); color: rgb(119, 105, 94); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0); max-inline-size: 100%; outline: 0px; cursor: text; box-sizing: border-box !important;">L：</strong><span style="background-color: rgb(255, 252, 245); color: rgb(119, 105, 94); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0);">本人退休年龄相对应的计发月数</span> </p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pic.app.hicsq.com/front2_0_FvOfkTTnWjAXSfWPZZ5LIAKU2c-L.1631524344.jpg?watermark/1/image/aHR0cHM6Ly9waWMuYXBwLmhpY3NxLmNvbS93YXRlcl9pbWdfMjAyMTAzMTZfMzE1LmpwZw==/dissolve/80/gravity/Center" alt="" width="1280" height="1072" data-qf-origin="front2_0_FvOfkTTnWjAXSfWPZZ5LIAKU2c-L.1631524344.jpg?watermark/1/image/aHR0cHM6Ly9waWMuYXBwLmhpY3NxLmNvbS93YXRlcl9pbWdfMjAyMTAzMTZfMzE1LmpwZw==/dissolve/80/gravity/Center"></p><p class="empty_paragraph"> <span style="background-color: rgb(255, 252, 245); color: rgb(119, 105, 94); font-family: 微软雅黑, "Microsoft YaHei", sans-serif; letter-spacing: 1.5px; caret-color: rgb(255, 0, 0);">PS：1996年1月1日以前参加工作（或参加基本养老保险），2006年1月及其以后退休并符合按月领取基本养老金条件的，还可领取过渡性养老金 。</span></p><p></p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pic.app.hicsq.com/front2_0_FlDVZ89YGtGSJclUq_jt3es4uSZI.1631524344.png?watermark/1/image/aHR0cHM6Ly9waWMuYXBwLmhpY3NxLmNvbS93YXRlcl9pbWdfMjAyMTAzMTZfMzE1LmpwZw==/dissolve/80/gravity/Center" alt="" width="640" height="2677" data-qf-origin="front2_0_FlDVZ89YGtGSJclUq_jt3es4uSZI.1631524344.png?watermark/1/image/aHR0cHM6Ly9waWMuYXBwLmhpY3NxLmNvbS93YXRlcl9pbWdfMjAyMTAzMTZfMzE1LmpwZw==/dissolve/80/gravity/Center"></p><p> <span style="text-indent: 0em;">为计算方便，忽略过渡性养老金、增发养老金和个人账户累计储存额利息，假设老李、老陈和老刘退休时，重庆养老保险待遇</span><strong style="text-indent: 0em; outline: 0px; box-sizing: border-box !important;">计发基数为6000元</strong><span style="text-indent: 0em;">，且三人缴费基数与重庆上年度就业人员平均工资持平，本人平均缴费指数为1。</span></p><section data-tools="135编辑器" data-id="94397" style="outline: 0px; box-sizing: border-box !important;" class="_135editor"><section data-width="95%" style="box-sizing: border-box; margin: 20px auto; outline: 0px; width: 95%;"><section style="margin-bottom: -8px; outline: 0px; box-sizing: border-box !important;"><section style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; display: flex; justify-content: center; width: 22px; height: 8px;"><section data-bgless="spin" data-bglessp="280" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(135, 178, 224); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section style="box-sizing: border-box; outline: 0px; width: 6px; height: 8px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; overflow: hidden;" class=""><br style="outline: 0px; box-sizing: border-box !important;"></section><section data-bgless="spin" data-bglessp="180" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(241, 148, 139); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section></section><section style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; display: flex; justify-content: center; width: 38px; height: 8px;"><section data-bgless="spin" data-bglessp="180" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(186, 209, 237); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section style="box-sizing: border-box; outline: 0px; width: 24px; height: 8px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; overflow: hidden;" class=""><br style="outline: 0px; box-sizing: border-box !important;"></section><section data-bgless="spin" data-bglessp="280" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(135, 178, 224); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section></section></section><section data-width="100%" style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; width: 100%; box-shadow: rgb(218, 218, 218) 0px 2px 10px;"><section style="padding: 8px; outline: 0px; box-sizing: border-box;"><section data-autoskip="1" style="padding: 1em; outline: 0px; box-sizing: border-box; border-width: 2px; border-style: solid; border-color: rgb(186, 209, 237); font-size: 14px; letter-spacing: 1.5px; line-height: 1.75em; color: rgb(62, 62, 62);"><p style="outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">根据上述公式，老李每月应领取的养老金这样计算 ：</span></p><p style="text-align: left; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">基础养老金=</span></strong><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">（退休当年养老保险待遇计发基数+退休当年养老保险待遇计发基数×个人平均缴费指数）÷2×缴费年限×1%：</span></p><p style="text-align: left; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; caret-color: red; font-size: 16px; box-sizing: border-box !important;">即（6000+6000×1）÷2×15（年）×1%=900元</span></p><p style="outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="text-align: left; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">个人账户养老金=</span></strong><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">个人账户累计储存额÷退休年龄对应的计发月数：</span></p><p style="text-align: left; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; caret-color: red; font-size: 16px; box-sizing: border-box !important;">即6000×8%×12（月）×15（年）÷139≈621.58元</span></p><p style="outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="text-align: left; outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">经计算，老李每月应领取的基本养老金为：</strong></span><strong style="outline: 0px; font-size: 16px; caret-color: red; box-sizing: border-box !important;">900+621.58=1521.58元</strong></p><p style="outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">PS：随用人单位参加企业职工养老保险的，每月划入养老个人账户的比例为8%，60周岁对应的计发月数为139。（下同）</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="94397" style="outline: 0px; box-sizing: border-box !important;" class="_135editor"><section data-width="95%" style="box-sizing: border-box; margin: 20px auto; outline: 0px; width: 95%;"><section style="margin-bottom: -8px; outline: 0px; box-sizing: border-box !important;"><section style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; display: flex; justify-content: center; width: 22px; height: 8px;"><section data-bgless="spin" data-bglessp="280" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(135, 178, 224); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section style="box-sizing: border-box; outline: 0px; width: 6px; height: 8px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section data-bgless="spin" data-bglessp="180" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(241, 148, 139); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section></section><section style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; display: flex; justify-content: center; width: 38px; height: 8px;"><section data-bgless="spin" data-bglessp="180" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(186, 209, 237); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section style="box-sizing: border-box; outline: 0px; width: 24px; height: 8px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section data-bgless="spin" data-bglessp="280" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(135, 178, 224); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section></section></section><section data-width="100%" style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; width: 100%; box-shadow: rgb(218, 218, 218) 0px 2px 10px;"><section style="padding: 8px; outline: 0px; box-sizing: border-box;"><section data-autoskip="1" style="padding: 1em; outline: 0px; box-sizing: border-box; border-width: 2px; border-style: solid; border-color: rgb(186, 209, 237); font-size: 14px; letter-spacing: 1.5px; line-height: 1.75em; color: rgb(62, 62, 62);"><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">老陈每月应领取的养老金这样计算：</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">基础养老金=</strong>（退休当年养老保险待遇计发基数+退休当年养老保险待遇计发基数×个人平均缴费指数）÷2×缴费年限×1%：</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">即（6000+6000×1）÷2×25（年）×1%=1500元</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">个人账户养老金=</strong>个人账户累计储存额÷退休年龄对应的计发月数：</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">即6000×8%×12（月）×25（年）÷139≈1035.97元</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">经计算，老陈每月应领取的基本养老金为：</strong></span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">1500+1035.97=2535.97元</strong></span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="94397" style="outline: 0px; box-sizing: border-box !important;" class="_135editor"><section data-width="95%" style="box-sizing: border-box; margin: 20px auto; outline: 0px; width: 95%;"><section style="margin-bottom: -8px; outline: 0px; box-sizing: border-box !important;"><section style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; display: flex; justify-content: center; width: 22px; height: 8px;"><section data-bgless="spin" data-bglessp="280" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(135, 178, 224); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section style="box-sizing: border-box; outline: 0px; width: 6px; height: 8px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section data-bgless="spin" data-bglessp="180" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(241, 148, 139); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section></section><section style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; display: flex; justify-content: center; width: 38px; height: 8px;"><section data-bgless="spin" data-bglessp="180" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(186, 209, 237); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section style="box-sizing: border-box; outline: 0px; width: 24px; height: 8px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section><section data-bgless="spin" data-bglessp="280" style="box-sizing: border-box; outline: 0px; width: 8px; height: 8px; background: rgb(135, 178, 224); overflow: hidden;"><br style="outline: 0px; box-sizing: border-box !important;"></section></section></section><section data-width="100%" style="box-sizing: border-box; margin-right: auto; margin-left: auto; outline: 0px; width: 100%; box-shadow: rgb(218, 218, 218) 0px 2px 10px;"><section style="padding: 8px; outline: 0px; box-sizing: border-box;"><section data-autoskip="1" style="padding: 1em; outline: 0px; box-sizing: border-box; border-width: 2px; border-style: solid; border-color: rgb(186, 209, 237); font-size: 14px; letter-spacing: 1.5px; line-height: 1.75em; color: rgb(62, 62, 62);"><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">老刘每月应领取的养老金这样计算：</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">基础养老金<span style="outline: 0px; caret-color: red; box-sizing: border-box !important;">=</span></strong><span style="outline: 0px; caret-color: red; box-sizing: border-box !important;">（退休当年养老保险待遇计发基数+退休当年养老保险待遇计发基数×个人平均缴费指数）÷2×缴费年限×1%：</span></span><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">即（6000+6000×1）÷2×30（年）×1%=1800元</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">个人账户养老金=</strong>个人账户累计储存额÷退休年龄对应的计发月数：</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;">即6000×8%×12（月）×30（年）÷139≈1243.20元</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">经计算，老刘每月应领取的基本养老金为：</strong></span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><span style="outline: 0px; font-size: 16px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">1800+1243.20=3043.20元</strong></span></p></section></section></section></section></section><p style="outline: 0px; clear: both; min-height: 1em; text-indent: 0em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;"> 由此可见，忽略过渡性养老金、增发养老金和个人账户累计储存额利息，在其他因素不变的情况下，根据老李、老陈和老刘不同的缴费年限，每月领取的养老金可作出对比：</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; text-indent: 0em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;"> 老李（15年）与老陈（25年）比较，每月领取养老金相差：</span></p><p style="outline: 0px; clear: both; min-height: 1em; text-indent: 0em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">2535.97-1521.58=1014.39元，</strong></span><strong style="outline: 0px; text-indent: 2em; caret-color: red; box-sizing: border-box !important;">一年即12000多元。</strong></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; text-indent: 0em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;"> 老刘（30年）与老李（15年）比较，每月领取养老金相差：</span></p><p style="outline: 0px; clear: both; min-height: 1em; text-indent: 0em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;"><strong style="outline: 0px; box-sizing: border-box !important;">3043.20-1521.58=1521.62元，</strong></span><strong style="outline: 0px; text-indent: 2em; caret-color: red; box-sizing: border-box !important;">一年即18000多元。</strong></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; text-indent: 0em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;"> 相信机智的小伙伴已看懂，养老金计发总体遵循“<strong style="outline: 0px; box-sizing: border-box !important;">多缴多得</strong><strong style="outline: 0px; box-sizing: border-box !important;">，长缴多得</strong>”原则。因此，大家可结合自身情况及时参保，持续参保，多多累计。有缴费能力的市民，建议尽量按高标准持续参保缴费，多缴长缴，未来的养老金水平才更高。</span></p><p style="outline: 0px; clear: both; min-height: 1em; box-sizing: border-box !important;"><br style="outline: 0px; box-sizing: border-box !important;"></p><p style="outline: 0px; clear: both; min-height: 1em; text-indent: 0em; box-sizing: border-box !important;"><span style="outline: 0px; box-sizing: border-box !important;"> 除了社会保险提供最基本的保障以外，<strong style="outline: 0px; box-sizing: border-box !important;">企业年金</strong>、<strong style="outline: 0px; box-sizing: border-box !important;">商业保险</strong>也是全社会养老体系的重要组成部分。鼓励有条件的市民可通过多种方式实现全方位养老，让老年生活更有保障！</span></p><section class="_135editor" data-role="paragraph" id="autoparagraph"><p></p></section> <!----></div><!----> 缴个鸡，延迟退休了。。。{:4_197:}
30年才3000！
现在不要在敷衍了。
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