One of the conditions for obtaining a pension is reaching the generally established age - currently 55 for women and 60 for men. For those born in 1961, the method of calculating payments has its own characteristics, since the preferential length of service and the bonus coefficient will be taken into account.

Formula for calculating old age pension

An old-age insurance pension is assigned subject to the following conditions:

• Availability of insurance experience - the time during which the employer made deductions from official wages to the Pension Fund (PFR). In 2019, the minimum value is 9 years.
• Individual pension coefficient (IPC) – the number of pension points (PB) for the entire work activity. The minimum number for 2019 is 13.8.
• Reaching the legally established age.

The insurance pension consists of a fixed payment and an insurance part - an individual component, which is calculated for each citizen separately. You can calculate the old-age pension for those born in 1961 on the Pension Fund website using a special calculator, or calculate using the following formula:

SPS = FV × PC1 + IPCtotal × SPB ×; PC2, where:

Please note that the amount of state benefits for old age, length of service or disability, as well as social pensions, have a fixed value, which is determined by a government decree and revised annually on April 1.

In addition, every citizen has the opportunity to receive additional security when forming a funded pension.

Conditions of appointment

The procedure for calculating pensions is the same for everyone. In 2019, only women born in 1962 have the right to retire in old age, since men have not reached the required age of 60 years. An exception is persons who, due to their work activity, can apply for early retirement:

To calculate security, you should contact the Pension Fund, the Multifunctional Center, through the State Services portal or directly to the employer, providing:

• passport;
• SNILS;
• documents confirming unaccounted labor activity (certificates, contracts, extracts, work book).

Retirement age for men born in 1961

According to current standards, men retire at age 60. In accordance with the Government bill on pension reform, adopted by the Duma in the 1st reading and changes proposed by the President of the Russian Federation, the retirement age for men will increase. For those born in 1961, it will be 63 years old, so the expected year of retirement is 2024 (instead of 2021 if they retired under current legislation).

Calculation of insurance pensions for those born before 1967

According to Federal Law No. 400-FZ of December 28, 2013, the calculation of pensions for those born before 1967 and eligible for payment is subject to general rules and occurs using the following formula:

SPS = FV × PK1 + IPKtotal × SPB × PK2, where:

• SPS – old-age insurance pension;
• FV – fixed (basic) payment, the amount of which is established by law and revised annually;
• PC1 – premium coefficient to PV;
• IPCtotal – the amount of PB accrued for the entire length of service;
• SPB - the cost of one PB on the date of calculation (the amount is revised annually);
• PC2 – premium coefficient to the total IPK.

Determination of the amount of estimated pension capital until 2002

To determine the number of PB earned by a citizen for work activities before 2002, the following steps must be performed:

1. Calculate the experience coefficient (SC):

Important! Regardless of the result obtained, the maximum value of the SC is limited to 0.75.

• The woman, born in 1961, has 28 years of work experience. SC will be 0.63:

0.55 + 0.01 × (28 – 20) = 0.63.

1. The average monthly earnings coefficient (AMC) is calculated. The average salary for 2001–2002 is taken. or for any 60 months. The result obtained is divided by the average monthly salary in Russia for the same period of time (for 2001–2002 - 1,494.5 rubles).

Important! Regardless of the result obtained, the limit value is limited to 1.2, with the exception of persons with northern experience. The KSZ for them is set from 1.4 to 1.9.

• Median income for a man born in 1961, 2000–2001. amounted to 1000 rubles. KSZ = 0.67:

1 000 / 1 494,5 = 0,67.

1. The estimated pension (RP) is determined as of January 2002:

• A man born in 1961 has a SC of 0.65 and a CV of 0.68. RP will be 288.58 rubles:

SC × KSZ × 1671 = 0.65 × 0.68 × 1671 = 738.58. Since this value is greater than the established minimum of 660, 450 is subtracted from the result obtained. The RP in this case will be equal to 288.58 rubles.

1. The valorization procedure is applied to the received RP - increasing the pension rights accrued before 2002. If a citizen did not work before 1991, the size of the RP will increase by 10%. For each full year of service before 1991, 1% is added in addition to 10%.

• RP for a woman born in 1961 = 650 rubles. Experience until 1991 – 12 years. The valorization amount will be 793 rubles:

650 × (10% + 1% × 12 years) = 650 × 22% = 793.

1. An adjustment value of 5.6148 is applied to the final amount - the product of the annual indexation coefficients from 2002 to 2014.

• SP – 793 rub. Index (2003 – 2014) – 5.6148. The amount of pension capital will be 4,452.54 rubles:

793 × 5.6148 = 4,452.54.

1. The calculation of PB earned before 2002 is carried out. To do this, the resulting amount is divided by 64.1 - the cost of one PB as of January 2015.

4 452,54 / 64,1 = 69,462

Calculation of pensions from 2002 to 2014

The process of calculating PB accumulated from 2002 to 2014. (inclusive) obeys the following algorithm:

1. Contact the Pension Fund or through the government services portal to receive notification of the status of your personal account through the government services website.
2. Since the amounts indicated in the document are given without taking into account indexation by the percentage of inflation, each of them must be multiplied by the appropriate coefficient:

1. The resulting figures are added up, after which the final amount is divided by 228 months - the survival age.

• The pension capital of a man born in 1961 is 1,315,000 rubles. SP will be equal to 5,767.54 rubles:

SP = pension capital / survival age = 1,315,000 / 228 = 5,767.54

1. The number of earned PBs is calculated. To do this, the insurance part is divided into 64.10 rubles. – cost of PB as of 01/01/2015.

• Insurance part - 5,767.54 rubles. The IPC will be 89.977 points:

IPC = insurance part / cost of PB as of 01/01/2015 = 5,767.54 / 64.10 = 89.977.

Accounting for pension points since 2015

After the reform, insurance premiums are converted into PB and stored in the citizen’s personal account. The maximum number is legally limited:

The calculation of the amount of PB is determined by the formula:

PB = SUSV / NRV × 10, where:

• PB – number of pension points;
• SUSV – the amount of paid insurance premiums;
• NRV is the standard amount of contributions to the insurance pension (the amount is 16% of the maximum contributory salary, the amount of which is revised by the Government annually).

Determination of the general IPC

Taking into account the above, the calculation of the IPCtotal can be represented as the following formula:

IPKtotal = IPK2002 + IPK2002–2014 + IPK2015 + IPKnon-insurance, where:

• IPK2015 – the number of PB accrued starting from 2015;
• IPC of non-insurance - the number of PB earned during the time during which the citizen did not work for the following reasons:

Fixed payment and bonus coefficients

The size of the PV is reviewed annually. In 2019, the amount is 4,982.90 rubles. For some categories of future pensioners, for example, for people with disabilities or who are caring for dependents, the amount will be higher than the generally established value.

In addition, for each year of later retirement, an additional incentive measure is provided in the form of a bonus coefficient, the size of which is different for the pension fund (PC1) and accrued pension points (PC2):

Final calculation of pension payments

Taking into account the above, the calculation of pensions for those born in 1961 will be carried out according to the following formula:

P = FV × PK1 + (IPK2002 + IPK2002–2014 + IPK2015 + IPKnon-insurance) × SPB × PK2, where:

• P – size of the expected collateral;
• FV – fixed payment;
• PC1 – bonus coefficient to the fixed payment;
• PC2 – premium coefficient for the insurance part;
• IPK2002 – number of PB earned before 2002;
• IPK2002–2014 – number of PB earned from 2002 to 2014. (inclusive);
• IPK2015 – number of PB accrued after 2015.
• IPC non-insurance - the number of PB for non-insurance periods.
• SPB – the value of the point on the date of assignment of the security.

Pension calculator

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Every person, reaching retirement age, begins to think about how to calculate their pension. Until this moment, few people think about this, since the pension legislation of the Russian Federation is constantly changing and improving.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

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Every year, the accrual and recalculation systems are revised with the conditions for annual indexation, which directly depends on the rise in prices for goods and services.

The calculations also take into account the length of service and the funded part of the pension. There are certain legislative norms by which pensions are calculated. Every citizen should have an idea of ​​the progress of pension calculation.

What does the size depend on?

As a rule, citizens of pre-retirement age begin to become interested in the size of their future pension. Some people, having worked for many years and receiving a significant part of their salary in an envelope, have no idea that the pension will be calculated only according to official income, which is clearly stated in the employment contract.

1. This means that if the salary is 40 thousand, but officially according to the contract it is only 10 thousand, then the employer pays an insurance contribution to the Pension Fund from the second amount. Accordingly, pension payments will be calculated based on the amount of insurance contributions.
   

   In connection with the latest changes in pension legislation, which were adopted at the beginning of the previous year, four indicators are taken into account when calculating the population’s pension:

2. Amount of official salary.
3. Length of service – work experience must be documented.
4. Method of calculating pension payments.
5. Recycling years after reaching payment age.

The legislation of the Russian Federation provides for a system of pension insurance for citizens; employers undertake to pay insurance contributions to the local structures of the Pension Fund.

The amount of insurance pensions and pension savings will be calculated from the credited funds. The basic pension is recalculated in pension coefficients or points.

At the moment, there are three main points that allow you to apply for an old-age pension:

• the pensioner reaches the age stipulated by law;
• more than 15 years of service starting in 2024;
• the number of pension points is at least 30.

Important: Innovations with the accrual of points will affect only those who apply for a pension in 2020; recalculations will not be made for pensioners of previous years.

Russian citizens are given the right to choose the method of calculating their pension:

Important: Every year the monetary equivalent of points changes; calculations are made based on the sum of the value of the coefficient at the time of registration of the pension.

Pension points will be accrued starting from 2020, the amount will depend on the amount of insurance contributions paid by employers to the Pension Fund in relation to the insurance part of the pension.

Accordingly, the higher the salary, the higher the insurance premium and the number of points accumulated per year. Those pensioners who do not register for the savings portion will receive more points, since 27.5% of the insurance premiums are transferred to the savings account, thereby reducing the portion accrued to the insurance pension.

When calculating the coefficients, the official salary is taken, without taking into account funds paid by employers in envelopes.

Pension points will be introduced gradually starting last year, with a full transition due to occur by early 2025.

Ultimately, the minimum annual accrual of coefficients should not be less than 30, while if a pensioner chooses separate accrual with a funded pension, then fewer points will be credited.

How to take control of your future pension and protect yourself:

• exercise direct control over the enrollment of insurance contributions by employers in the Pension Fund system;
• co-finance pensions under the state program.

What is the minimum size

There is no specific amount of the minimum pension in Russia, since for each region a certain minimum living wage is established, which depends on living conditions, prices, the cost of services provided, and other things. Over the previous year, the average insurance pension was approximately 13 thousand rubles.

In all regions of the country, the retirement age established by law for citizens applies:

According to the current legislation of the Russian Federation, in accordance with the amendments adopted at the beginning of 2020, changes were made to the rules for calculating and paying pensions; those citizens who do not work will receive an additional payment to the basic amount of the insurance pension.

The increase will be calculated using the indexation method, the percentage increase will be 4% of the established amounts.

The minimum old-age pension for working pensioners will remain the same. Pensioners who are officially employed are not included in this year’s indexation.

In case of job loss or dismissal, citizens have the right to receive the required additional payment. If, after recalculation, the pensioner gets a job again, the amount of the pension will no longer change and will remain subject to the indexation allowance.

If the pension payments paid are less than the subsistence level, the person has the right to a social supplement.

The basic labor pension includes two sections:

• insurance pension;
• funded pension.

Important: If the final pension is less than the minimum subsistence level fixed in the region where the pensioner is officially registered, it can be increased through social payments and the total will still be no less than the minimum wage.

How to calculate old age pension

There is a general formula by which the old-age pension is calculated. The accrued insurance points multiplied by the cost per point must be added to the fixed payment.

The formula looks like this:Explanation of abbreviations:

Important: The fixed payment changes every year taking into account rising prices. The amount of increases is determined by the current government, in accordance with existing legislation. The price of points is also indexed every year.

The total for the past year was:

For those born in 1961

The size of insurance pensions is influenced by several main factors:

1. Salary amount.
2. Type of calculation of pension savings: insurance pension or insurance + funded pension.
3. Length of service.
4. Third-party social factors: maternity leave, military service and others.
5. Registration of pension payments, some time after reaching retirement age.

1. Using the calculator, calculates the approximate amount of the insurance pension, taking into account all the points:
   • year of birth;
   • planned work experience;
   • official salary;
   • third party factors.
2. You can also calculate using the formula:

The preliminary calculation of the insurance pension cannot be accurate, since the amount of indexation increases every year, which affects fixed payments depending on rising prices. Every year the price of a pension point increases, from which the amount of payments is directly formed.

According to the new pension legislation, from 2015 the labor pension will be transformed into two types: insurance and funded. The insurance will depend on the salary, length of service, retirement age, etc. And the size of the funded pension is based on the amount of insurance premiums paid to the employee and the income from their investment. Kommersant made its own calculations and prepared its own pension calculator. You can not only predict your income in old age, but also check how much these funds will be enough for and what you need to do now to increase your future pension.

Enter your date of birth:

2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930

Salary per month:

(official, approx. rub.)

Planned retirement age:

55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

For reference: retirement age years

Work experience today (excluding military service and child care), years

Military service, years:

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

For today

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

In future

Number of children:

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

For today

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

In future

0 0,5 1 1,5 2 2,5 3

Average time to care for one child, years

Year of entry (first payment)

2013 2012 2011 2010 2009 2008

Average amount of contributions per year (RUB)

IPK (for periods before 01/01/2015 and after this date)

Amount of pension savings

* fields are required

Monthly pension amount: rub.

With such a pension you can afford:

To find out how to increase your future pension, enter:

Needs

Desired pension amount (RUB):

The amount of pension required to meet your needs: rub.

To achieve your desired pension size, you can:

1. Find a way to receive a monthly salary (RUB) RUB.
2. Retire at an age
3. Start saving yourself in a bank, non-state pension fund,
   insurance company or mattress
   When accumulating in a non-state pension fund
   Approximate monthly payment amount RUB.

About the calculator

1. The results of calculations using the calculator are very approximate and estimated.
2. Calculations are made using assumptions and assumptions on which different experts may have different opinions.
3. Calculations are not a complete and accurate reflection of the legislation and cannot be used to accurately determine the size of the pension.
4. The site administration is not responsible for the consequences of any use or non-use of the calculation results.

How the calculations were made:

1. It is assumed that the user will retire no earlier than January 1, 2016.
2. Regional and other allowances and the possibility of early retirement are not taken into account.
3. Indexation of the estimated pension capital and wage growth are assumed to be adjusted for inflation.
4. The pension amount is calculated at the time of reaching retirement age in prices of the year of calculation.
5. In the co-financing system, it is assumed that the user has paid contributions from the beginning of the year of entry into the system.
6. If there is no work experience and a social pension has been established, the opportunity to participate in co-financing is not provided.
7. All initial data and legal norms correspond to the conditions as of 01/01/2015.
8. The payment period for the funded part is the same as for the insurance part.
9. Calculation is carried out only for full years; all payments of the calculation year are assumed to be completed. The specified work experience is assumed at the beginning of the year.
10. In relation to non-state pension provision, it is assumed that an income-indexed pension will be paid; before the pension is assigned, the savings are inherited.
11. Calculation of labor pensions only (excluding military, civil servants, etc.)
12. Without taking into account social supplements up to the pensioner's subsistence level.

Internet marketer, editor of the site "In an accessible language"
Date of publication: 04/13/2017

Since this year, the procedure for calculating pension payments has changed significantly. This is primarily due to the financial crisis and the rapidly dwindling reserves of the Pension Fund.

And the first to face such amendments will be citizens retiring in 2015-2016. Today we’ll talk about how pensions are calculated for those born in 1960 and 1961 in connection with current amendments to the law.

What will change

Starting next year, amendments to pension legislation will come into force, according to which the pension calculation system will undergo changes. First of all, it should be noted that there are three parts of payments, which include:

1. Main. In fact, it is the minimum established by law that every resident of the Russian Federation can count on.
2. Insurance. Calculated taking into account special coefficients.
3. Cumulative. The calculation is made based on the number of contributions made by citizens and their employers during their working life.

The most important difference, compared to previous years, is that payments and coefficients are calculated on an annual basis. The actual calculation now looks like this:

• the total income for the year must be divided by the maximum salary amount;
• Multiply the resulting number by 10.

In addition, a special coefficient is added to 10, which can be assigned according to certain circumstances. It is prescribed for men serving in the military and women caring for a child. Its meanings are as follows:

• for military service - 1.1 annually;
• when caring for the first child – 1.1;
• behind the second – 2.2;
• for the third and subsequent ones - 3.3.

Pensioners are encouraged to continue working

If you retire but don’t stop working, your pension amount will continue to grow. Thus, if a pensioner does not apply to the territorial office of the Pension Fund for three years, the amount of the insurance pension automatically increases by 24%. Moreover, if an elderly person continues to work for another 9 years from the date of retirement, the insurance pension will be increased by another 90%. However, it should be remembered that such bonuses will be accrued only if the pensioner does not apply for payments upon reaching 55 and 60 years, respectively.

Approximately the same changes await those born in 1960 and 1961. In addition, it is expected that additional amendments will be made in the future, so for retirees who intend to end their working career, for example, in 2017, this information may not be relevant. Therefore, try to follow the latest news from the Pension Fund, of which a lot is expected in 2016.