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Changes since January 1, 2017

There are a number of important changes that have taken place since the beginning of 2017:

Increasing the minimum number and required for the appointment .

1st of February- by the amount of inflation of the previous year;
April 1- depending on the growth rate of the subsistence minimum over the past year.

Recall that in 2016, para. 4 articles 25 of the law "On State Pension Provision in the Russian Federation", part 21 of article 15 and part 6 of article 16 of the law "About insurance pensions", in connection with which insurance and state pensions were indexed by only 4% with significantly higher inflation in 2015 - 12.9%.

Unlike the previous 2016, from the new 2017 the members of the Government have repeatedly promised to restore the legal order of indexation and carry it out in full, as required by law, in the amount.

“We have decided that in 2017 pensions will be indexed in full.”

Prime Minister D.A. Medvedev

Thus, already now the draft budget includes the necessary funds to increase pensions, which indicates the serious intentions of the state in this direction.

Pension increase in 2017 for old-age pensioners

Labor (after the pension reform insurance) pensions are increased by indexation (SIPC) and (PV) - the components of the insurance pension after the pension reform in 2015. After the increase on February 1, 2016, these parameters were set at the following values:

the cost of a pension point is 74.27 rubles;
the amount of the fixed payment is 4558.93 rubles.

The Ministry of Finance and the Ministry of Economic Development predicted an inflation rate of 5.8%, in which case indexation coefficient would be 1.058. However, the published data of the Federal State Statistics Service indicates the consumer price index for 2016 in the amount of 5.4%. In this regard, Maxim Topilin (Minister of Labor and Social Protection) stated that the coefficient of indexation of insurance pensions and social payments in February 2017 will be 1.054 (with SIPK = 78.28 rubles, FV = 4805.11 rubles). However, the Federal Law on the Budget of the Pension Fund of the Russian Federation notes that as of April 1, 2017, the cost of a pension point will be set at 78 rubles 58 kopecks, and therefore must pass second indexation of insurance pensions, which in total will be 5.8%, resulting in On April 1, the insurance pension was additionally increased by 0.38%.

Table of indexation of insurance pensions by years

Year	Previous year's inflation rate	Indexing percentage	Indexing coefficient
2011	8,8%	8,8%	1,088
2012	6,1%	10,65%	1,1065
2013	6,6%	10,12%	1,1012
2014	6,5%	8,31%	1,0831
2015	11,4%	11,4%	1,114
2016	12,9%	4%	1,04
2017	5,4%	5,8%	1,058

SIPC 2017 = 78.28 × 1.058 = 78.58 rubles;
FV 2017 = 4805.11 × 1 = 4805.11 rubles.

On April 1, only the cost of the pension point increased, the amount of the fixed payment remained without changes.

Indexation of pensions for working pensioners

As one of the anti-crisis measures, a decision was made to raise pensions for working citizens in connection with the annual increase in their number. According to Rosstat for 2016, the share of working citizens amounted to 36% of the total number of pensioners.

It is believed that the material security of pensioners who continue to work is higher than those who do not work, since in addition to pensions they have additional financial income in the form of wages.

Thus, the law of December 29, 2015 No. 385-FZ came into force, which, from 2016, pensions of working recipients until they leave their labor activity. After the dismissal, they will be returned to the usual indexation procedure, taking into account all the increases that took place during the implementation of the work.

For working pensioners from January 1, 2017 this restriction will not be lifted and in February their pension was increased will not.
Moreover, as Maxim Topilin (Minister of Labor from Social Security) stated, in the draft law on the federal budget not provided return indexing up until 2019, as otherwise it may lead to significant additional costs that the State cannot afford at the moment.

The adopted restrictions do not apply to pensions (including social pensions), regardless of whether the pensioner works or not.

Indexation of social pension provision April 1

Social pensions are not calculated according to a formula, but are set in a fixed amount, unlike insurance pensions, and depend on the category of the recipient. They should, depending on the change in the level of the subsistence level of the pensioner. Over the past 8 years, one can observe fluctuations in the level of indexation of pension provision, both up and down.

Year	Indexing level
2010	12,51%
2011	10,27%
2012	14,1%
2013	1,81%
2014	17,1%
2015	10,3%
2016	4%
2017	1,5%

The head of the Pension Fund of the Russian Federation, Anton Drozdov, said earlier that indexation of social pensions in 2017 2.6% is envisaged - this is the level predicted by the Ministry of Economic Development. However, on March 16, Dmitry Medvedev signed, according to which social pensions will be increased only 1.5%, which represents the increase in the PMF in 2016 relative to 2015. In accordance with this, it is possible to calculate the indexed amount of pension provision for each category of recipients.

Recipient categories	Until April 1, 2017, rub.	After April 1, 2017, rub.
citizens aged 60 and 65 years (women and men); persons from among the small peoples of the North, aged 50 and 55 years (women and men); disabled people of the 2nd group (with the exception of disabled people from childhood); children left without one parent who have not reached the age of 18, and for full-time students - 23 years	4959,85	5034,25
disabled people of the 1st group; disabled people of the 2nd group since childhood; children under 18 years of age or in full-time education - up to 23 years old, left without both parents, and children of a deceased single mother	11903,51	12082,06
disabled children; disabled people of the 1st group since childhood	9919,73	10068,53
disabled people of the 3rd group	4215,90	4279,14

Any person, sooner or later, will have to become interested in the size of the future pension and make a calculation, now in 2016-2017 or in a few years. It is better if this happens earlier, since each person creates the pension capital for himself. The level of life in old age depends on how much a citizen takes care of the component of future remuneration.

The fastest and least time-consuming way to calculate a future pension is.

Upon the onset of a pension, experts will make calculations for its accrual, but everyone needs to have at least a minimum of information about the mechanisms for accumulating funds.

According to the legislation in the country, there are cash payments for people who have reached retirement age. Where does this money come from?

Each able-bodied citizen, working throughout his life, creates his own future pension himself. Its size depends on what his salary is, and what actions he took to increase it. This part is called storage.

In addition to personal participation in the accumulation of future cash benefits, there is an insurance component. The state acts as its guarantor, since it provides the minimum amount of payments and provides it to pensioners without fail, subject to the following conditions:

Work experience not less than 6 years.
Reaching the legal retirement age.
Having at least a minimum number of points in your retirement account.

The old-age pension of the last century, which meant only reaching the age, length of service and savings in one complex, has gone into oblivion, today the process of forming the future pension benefit is taking place according to a new algorithm.

Whales on which the insurance part is formed

The new pension calculation mechanism was launched on January 1, 2015, and it is advisable for potential pensioners to navigate the procedure for forming pension capital:

Structure working mechanisms- work experience and working age. They are constantly on the move to grow. With age, the length of service of a working pensioner increases, the amount of interest deducted and points are accumulated. about what awaits working pensioners in 2017.
Insurance part- the basis of everything.
The amount of accumulated points, IPC- this is the element on which the entire mechanism of the insurance part rests. The more points accumulated, the stronger the mechanism.
White salary. Transparent payments of earnings by the employer guarantee real cash contributions to the pension fund.

At the initial stage of the formation of the mechanism of the new pension package, the minimum parameters of some indicators were determined, which are sufficient for guaranteed receipt of a pension:

Minimum experience 6 years. Until 2024, it is planned to increase the indicator to 15 years.
The minimum score (IPC) is 6.6. By 2025, the minimum will increase to 30 points.

How to calculate independently the insurance component of a future pension

For the owner of a pension, it does not matter how its parts are called. For a pensioner, its size is more important. By focusing on the formation of the insurance part of the future pension, you can be aware of all the savings. Insurance payments are the basis of pension benefits. The formation of the pension takes place around it.

Click to enlarge.

Parameters that directly affect the amount of insurance payments:

The size of the salary. The larger the size of the white salary, the more impressive the insurance transfers to the pension fund.
Retirement age. The later the employee wants to retire, the higher the bonus coefficient. It has a direct impact on the size of the pension upwards.
The formula for calculating the insurance component is the same for everyone. By substituting your parameters into it, you can have an idea of how the accumulation process is progressing.
Length of insurance period. Since pension coefficients are accrued annually, it will be beneficial for a citizen to work longer. It is beneficial for the state that interest is paid to the fund for the employee. These funds make it possible to support existing pensioners and, at the same time, funds are accumulated.

MF \u003d FP x PC + IPC x SPC x PC

FP, fixed payment, share of insurance pension, 6% of insurance premiums

PC, the premium coefficient, is determined by law, it is constantly increasing.

Individual pension coefficient or . The maximum IPC is planned to be gradually increased until 2021.

The number of points scored is calculated according to the formula:

IPK \u003d MF / S

MF- insurance part.

WITH- the cost of a point is determined by law (74.2 rubles per point as of 01.01.16)

Premium coefficients are fixed, they are reflected in the table:

Number of full months from the date of the emergence of the right to an insurance pension	FV magnification factors	Coefficients of IPC increase
Less than 12	—	1
12	1,058	1,07
24	1,12	1,15
36	1,19	1,24
48	1,27	1,34
60	1,38	1,45
72	1,48	1,59
84	1,58	1,74
96	1,73	1,9
108	1,9	2,09
120 and more	2,11	2,32

Calculation of the insurance pension of a conditional worker as an example

Anna Petrovna is 59 years old. She decided from 01.01.15. to retire. Judging by the data of her individual account, by this time she was entitled to a pension of 6,000 rubles. Based on this amount, the number of points accumulated by her is calculated, IPK = MF(insurance part as of 31.12.14) / WITH(cost 1 point.). 6000-3910, 34/64, 1 = 32.6 points.

joint venture(insurance pension) = FV(fixed payments) × K(premium factor) + PC(sum of points for the year) × S × K.

The amount of the pension will be: 3910.3 × 1.12 + 32.6 × 64.1 × 1.2 = 4379.5 + 2403.1 = 6782.7 rubles

Current retirees who took out an old-age pension before the new rules were released will not be affected by the fact that they have not accumulated retirement points.

Their cash payments have already been determined by the previous standards, they will not change, except that they will be indexed on a par with new pensions. Indexation is necessary so that the insurance part is not swallowed up by inflation.

About the indexation of pensions in Russia for those who are already retired.

For old age, using the new PFR 2019 online calculator. Our pension calculator for those retiring in 2019, 2020, 2021, 2022, 2023 and beyond will help you calculate your future pension using reliable data taken from the official website of the Pension Fund of Russia.

It should be taken into account that these calculation results are purely conditional., therefore, they should not be taken as the real size of the future pension. For its exact calculation, in any case, you should contact the Pension Fund at the place of registration.

Attention readers! Before proceeding with the calculation of the future pension in the online pension calculator, in order to fully understand its formation, we recommend that you familiarize yourself with this material.

Below we have prepared the most up-to-date information to date and even provided a number of simple examples of self-calculation especially for those who do not believe in “machines”!

Male Female

0 1 2 3 4 5 6 7 8 9 10

Please select your rate.

Please enter your gender.

By law, citizens born in 1966 and older do not form pension savings.

Enter a different value for your seniority.

Please enter your year of birth.

In accordance with the data you entered, your length of service is , the number of pension points is . From 2025, the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of coefficients earned for assigning a pension is 30. If in the answers to the questions you indicated less than 15 years of experience or the number of coefficients collected does not reach 30, then you will be assigned a social old-age pension: for women at 60 years old, for men at 65 years old. Social old-age pension today is 4959.85 rubles per month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in your region of residence.

In accordance with the data entered for you, your length of service is , the number of pension points is . You do not have enough pension coefficients or length of service to qualify for an old-age insurance pension. From 2025, the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of coefficients earned for assigning a pension is 30. If in the answers to the questions you indicated less than 15 years of experience or the number of coefficients collected does not reach 30, then you will be assigned a social old-age pension: for women at 60 years old, for men at 65 years old. Social old-age pension today is 4959.85 rubles per month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in your region of residence.

If you want to receive a higher pension, revise your life plans so that you have been working for 15 years or more and in the end you will be able to earn at least 30 pension factors.

Please check that the form is filled out correctly. The number of years of combining activities as a self-employed citizen and an employee cannot exceed the number of years of minimum work experience specified in each type of activity separately.

If you want to receive a higher pension, revise your life plans so that you have been working for 15 years or more and in the end you will be able to earn at least 30 pension factors.

Sorry, the calculator is not designed to calculate the amount of pensions for current pensioners, citizens who have less than 3-5 years left before retirement.

How to calculate pension using the new pension calculator?

Our pension calculator has all the information about the length of service and earned points. You will only need to add the current data that has not yet entered the database. In addition, we have up-to-date information on FV And StIPK, as well as numerous tips to help you enter information correctly.

After entering the information, it remains only to click on the button "Calculate"- and you will get a much more accurate version of your expected pension. A very useful thing for future pensioners!

You should be aware that this online pension calculator is NOT applicable to military personnel and employees of law enforcement agencies who do not have insurance experience as employees in positions not related to military service.

The pension strategy of Russia remained the same, only the component had to be temporarily turned off. It has not gone away, but will be in a frozen state until approximately 2020.

By default, all citizens of the Russian Federation are participants in the distribution system for this period, and all contributions go to it. The Pension Fund of the Russian Federation is balanced by revenues from the budget, in 2017 the transfer amounted to 977.1 billion rubles, and the total income of the Pension Fund of the Russian Federation was expressed in the number of 8181.6 billion rubles. PFR budget revenues for 2018 totaled 8.333 trillion rubles. Pension payments increased by 279 billion rubles, social payments - by 11.8 billion. In 2019, they promise to pay pensions in full, they are going to index and increase them.

Calculation of pensions according to the new formula

Note. In the form on the right, you can instantly calculate the number of pension points that can be accrued to you for 2019.

How many pension points can you earn in 2018?

Enter the amount of your monthly salary before deducting personal income tax:

Error! Enter a salary higher than the minimum wage in the Russian Federation in 2018 - 9,489 rubles.

Number of pension points per year:

An insurance pension in Russia is formed for each citizen on the basis of his work activity, if we are talking about able-bodied persons, and is paid from the funds of the Pension Fund of the Russian Federation.

The rights of citizens to retire today are reflected in the coefficients, they are also called. During the implementation, all available developments for pensioners, both past and future, were converted into these points.

In order to be able to accrue a pension, the following conditions are generally necessary:

age, 60 for women and 65 for men;
at least a certain number of years. From 2024, this is 15 years, for previous years there are transitional values \u200b\u200b( what to do if it suddenly turns out that there is not enough experience);
the presence of a certain amount of points, from 2015 - 30, with transitional values of earlier years.

The number of points depends not only on the years worked, but also on how accrued and actually paid.

The number of points that a citizen can receive per year is limited from above and has its own maximum. In 2016 it was 7.83, in 2017 - 8.26, in 2018 - 8.7, in 2019 - 9.13, in 2021 - 10.

However, it depends on how the citizen defines his attitude to the funded pension (NP): whether he takes part in its formation or focuses only on the solidarity system. Those who were born after 1966 will have to solve this problem, and for everyone who is older, there is only one option - only an insurance pension.

Here are the values of these main parameters by year:

Year	IPC - minimum amount	Experience minimum	IPK annual maximum including PN	IPK annual maximum without PN
2015	6.6	6	7.39	7.39
2016	9	7	7.83	7.83
2017	11.4	8	5.16	8.26
2018	13.8	9	5.43	8.7
2019	16.2	10	5.71	9.13
2020	18.6	11	5.98	9.57
2021	21	12	6.25	10
2022	23.4	13	6.25	10
2023	25.8	14	6.25	10
2024	28.2	15	6.25	10
2025 and beyond	30	15	6.25	10

In the case when we are talking only about the insurance pension, all the points scored go to its formation. When a funded pension is present along with the insurance pension, the maximum 10 points are transformed into 6.25, since 27.5% of the number of insurance premiums are sent to the funded part.

Need to understand: The state annually indexes the insurance pension. But the funded part is at the disposal of the Criminal Code or is not subject to indexation, instead it is invested in some financial projects. If such actions are successful and profitable, then the pension may increase. In the event that the investment operation is unprofitable, the pensioner can only rely on the amount of contributions paid.

Fixed payment, its size in 2018

Fixed payout ( FV) is called so because it is established every year by the state in hard monetary terms, that is, it is fixed for a year. As laid down in, the annual increase in the PV indicator is a consequence of indexing to the inflation rate of the past year.

However, this provision was suspended in 2016 and an indexation factor of 1.04 was adopted. In 2017, the result was an FV in the amount of 4805.11 rubles. for the majority of pensioners. In 2018, the amount of the fixed payment after indexation amounted to 4,982.9 rubles. per month. In 2019 - 5334.19 rubles.

PV has more than one meaning, it is set differently for different categories of citizens. It is indexed twice a year:

February 1, according to the results of inflation of the past year;
April 1, based on the results of the PF income for the previous period - this type of indexation is treated as possible, and the decision on this possibility is made by the government of the Russian Federation.

How is the insurance pension calculated in 2018?

insurance pension ( joint venture) in Russia is calculated today by the formula:

SP \u003d IPK x StIPK + FV

IPK- the sum of all pension points.

StIPK- the cost in rubles of one pension point.

FV- Fixed payment.

As you can see, there is only one variable in the formula. This is the IPC, reflecting how many points the future pensioner has.

The remaining two indicators are constants, that is, they have a constant value throughout the year.

In 2019, StIPK = 87.24 rubles. (in 2017 - 78.58 rubles, in 2018 - 81.49), FV = 5334.19 rubles. (in 2017 - 4982.9 rubles).

Both of these indicators are indexed by the state, and their values change annually.

Strictly speaking, the task comes down to counting the points scored - IPC.

This is a rather cumbersome job that is performed by employees of the Pension Fund of the Russian Federation. They are required to calculate all the points on a monthly basis, evaluate the income and the contributions paid from it to the PF, and also take into account the option with the funded part, if any.

In addition to points earned directly, some citizens can count on an increase in the IPC for a different reason. Additional points are awarded for other types of employment and are added to the total.

There are quite a lot of such positions, all of them are specified. Here are some:

1.8 points are supposed to be added for military service in accordance with the draft;
1.8 - for the care of a child under 1½ years old, added to one of the parents;
3.6 - to care for the next, second child, up to 1½ years;
5.4 - for the care of next children, 3rd or 4th, up to 1½ years each;
1.8 - for the care of a disabled or elderly person under certain conditions;
others specified in the legislation.

As an incentive prize, one can consider the possibility of increasing the IPC if a pensioner applies for a pension after having worked for some years over the prescribed age. For each such working year, he has a certain number of additional points - there are bonus coefficients for this.

This is a fairly significant increase in pension: if, for example, you continue to work in excess of the prescribed 5 years without drawing up a pension, then the amount of IPC will increase by 45%. And if we add here the increase in the fixed payment over the years, we get a noticeable increase in pensions.

How to calculate your old age pension in 2019?

In principle, when preparing for the registration of a pension, everyone tries to independently estimate the numbers that he reaches. This is quite possible, because the values FV (fixed payment) And StIPK() is freely available. The most important thing remains - to correctly calculate the amount IPK.

Here is an example of a calculation when retirement took place immediately upon reaching retirement age.

Let's say it comes in 2019. The points earned will be 75, another 1.8 + 3.6 points are due for the care of two children, up to 1½ years in each case.

∑ = 75 + 1,8 + 3,6 = 80,4

If in 2019 PV = 5334.19 and StIPK = 87.24, then we get the expected pension value:

SP \u003d 5334.19 + 80.4 x 87.24 \u003d 12,348.28 rubles.

disability pension

They are appointed for medical reasons, specifying the group of disability, without regard to the existing experience, the causes of disability and the moment of its onset.

If there is no experience at all, then it is installed. If at least 1 working day is registered, then there are grounds to appoint. Its size is set on an individual basis, with a focus on the existing experience, the amount of contributions to the Pension Fund and earnings.

First of all, it is calculated joint venture, and, starting from its value, the pension is calculated. Its value is finally determined by the disability group.

Starting from 01/01/2015, the PV was withdrawn from the JV, and its value is determined separately:

From date	% indexing	1 disability group	2 disability group	3rd disability group
01.01.2015		RUB 7870.00	RUB 3935.00	RUB 1967.50
01.01.2015	11,4%	RUB 8767.18	RUB 4383.59	RUB 2191.80
01.01.2015	4%	RUB 9117.86	RUB 4558.93	RUB 2279.47

The size of the PV increases for each disabled dependent who is supported by a citizen, but no more than three. This increase was:

dated January 1, 2015 - 1311, 67 rubles;
from February 1, 2015 - 1461.20 rubles;
from February 1, 2016 - 1519.65 rubles;
dated February 1, 2017 by 5.4%.

survivor's pension

The loss of a family breadwinner entails the assignment of a pension to the disabled dependents whom he supported. Of course, provided that their guilt in the death of their breadwinner is not established.

The law clearly defines the circle of persons who can apply for a pension. In order for it to be appointed, the deceased breadwinner must have insurance experience, at least a minimum, at least 1 day.

From February 1, 2018, the fixed payment (FV) in the event of the loss of a breadwinner is exactly half of the FV of the insurance pension: 4982.9 / 2 = 2667 rubles 95 kopecks. So much for one disabled family member.

The assigned pension is paid every month, any delivery method can be chosen.

Military pension, calculation formulas

In 2019, the scheme according to which the pension is calculated for the military who have completed their service is as follows:

VP \u003d (OVDZ + NdVL) x 50% +

+ 3% (with service over 20 years, for each year, but not more than 85%)x PC+

+ 2% (in case of non-indexing DD- Every year)

OVDS- military salary and rank.

NdVL- Seniority allowance.

PC- reduction factor.

DD- financial allowance.

Employees of the Ministry of Internal Affairs are also entitled to, for the accrual of which it is required to serve in the bodies of the Ministry of Internal Affairs for at least 20 years (read more about all the changes).

It can be of three types:

By seniority.
By disability.
In connection with the loss of the breadwinner (received by her relatives if the breadwinner died or went missing).

There is also the so-called. This is the case when 20 years of service is not accumulated, but there is one of the additional circumstances:

At the time of dismissal from the authorities, the total experience reached 25 years.
Of all the years of total experience, the Ministry of Internal Affairs accounted for at least 12½.
At the time of dismissal, the age of the employee was at least 45 years.
The reason for the dismissal was either the state of health, or regular events, or the achievement of the service age limit.

Future military pensioners, knowing thoroughly all the ups and downs of their service, are able to independently estimate what pension they are entitled to.

To help them, the Pension Calculator program was created, designed specifically for employees of the Ministry of Internal Affairs. If you provide her with the necessary data, she will calculate the required pension herself. For the convenience of users, it is equipped with various tips.

The formula for calculating the funded pension ( NP) is extremely simple:

NP = Mon / T

T- the number of months before payment.

Mon- the amount of funds accumulated in a special personal account.

Formed amount Mon maybe from these sources:

from pension insurance contributions;
from additional contributions made by the employer in favor of a citizen accumulating a pension;
from contributions to co-financing Mon;
from part of family or maternity capital;
from investment results from any of the sources.

Facilities NP you can receive everything at once, as a lump sum payment, or receive it gradually, in the form of an urgent pension payment, after reaching the required age.

How to check the amount of pension savings?

This is easy to do for an insurance pension.

Each pensioner has a personal SNILS - Insurance Number of an Individual Personal Account in the Pension Fund of the Russian Federation. With it, you can find out the contents of your personal pension account, not only by visiting the PF branch, but also online via the Internet. How to do this is written in detail.

Moreover, you need to come to the department with a passport, and at EPGU (single portal of public services) you just need to enter the SNILS number.

So:

We go to the site gosuslugi.ru.
We select the necessary service in the catalog - "Pension Savings".
We request an extended account statement, for this we enter its number.

After waiting a few minutes at the screen, we receive a letter with the amount of interest. If a user's personal account is set up, then you can print the information received.

If you want to get acquainted with the state of your funded pension, being a client of an NPF, then the PF is not your assistant here, it does not have the necessary information.

The NPF has it, and to get it you will have to go to its website.

The cost of a pension point for working pensioners in 2019

For working pensioners, the pension was once again recalculated on 01/01/2019. As a result, each of them received an allowance on an individual basis, some in tens, and some in hundreds of rubles.

The price of a pension point in 2019 is 87.24 rubles. As the Law “On Insurance Pensions” says, during the January recalculation, you can add no more than 3 points to your pension, in rubles it will be 244.47. This is how the recalculation procedure works for those citizens who do not apply for a pension.

If a person receives a pension and works at the same time, then the recalculation is made based on the realities of 2015, when the price of a point was 71.41 rubles. Accordingly, the increase in pension came out less, only 214.23 rubles.

It turns out that at post-retirement age it is more profitable for a person to work without drawing up a pension, in this case he will receive larger additions to the pension in the next recalculations - which has not yet been received.

Is a working pensioner required to work 2 weeks upon dismissal? .

That is, there is an obvious desire of the state to encourage the population to retire later in order to alleviate the burden of the Pension Fund.

This is often criticized, allegedly there is a desire on the part of the state to ensure that fewer pensioners live up to retirement.

Maybe this is true, but does not the desire to increase mean the same goal?

In addition, non-retirement will be forced in this case, while in the current conditions a certain amount of freedom of action remains with a person. Known, but not complete, since many work simply because there is not enough money.

But there is another category of elderly citizens whose interests in this case coincide with those of the state. Many, having become accustomed to working all their lives, will feel like they have been thrown to the sidelines in retirement, so they are in no hurry to get there.

As long as you work, rotate in a team, you are useful, and life retains its meaning.

How to calculate pension? This question is of interest to many people (and not only those of pre-retirement age) who want to know at least the approximate amount that they can count on when applying for a pension. Let's see how this can be done.

What is the basis for calculating the pension from 2015?

Since 2015, the new law of the Russian Federation “On insurance pensions” dated December 28, 2013 No. 400-FZ came into force, which, in comparison with the previously valid law “On labor pensions in the Russian Federation” dated December 17, 2001 No. 173-FZ, introduced some new concepts, affecting the calculation of the pension, and, accordingly, changed the algorithm for its calculation.

In connection with the changes that have taken place, the question of how to calculate the pension of a future pensioner has become even more relevant.

The innovations of the law of the Russian Federation of December 28, 2013 No. 400-FZ are:

replacement of the name of the pension from labor to insurance;
increase in the required length of insurance experience;
adjustment of the conditions for inclusion in the experience of some periods;
introduction of new indicators - pension points and their value;
changing the components of the calculation formula;
adjustment of the order of indexation and recalculation of pensions.

The new rules will be fully applicable only to those persons who started their labor activity in 2015. The pension rights accumulated before 2015 will be taken into account by transforming them under the new rules, and the already assigned pensions will be recalculated in a new way, with no reduction in the amount compared to that previously paid.

The new law retains the rights to:

early retirement;
payment of pensions to pensioners who continue to work.

Read about the features of indexing the pension of working pensioners in 2016 in the material .

What determines the old-age pension formula?

How to calculate pension in 2017? This calculation is performed according to the formula given in paragraph 1 of Art. 15 of the Law of the Russian Federation of December 28, 2013 No. 400-FZ. At first glance, it is very simple, representing the product of the individual number of pension points and their value. In addition, a fixed part is added to it, subject to annual indexation.

Consider how to calculate a pension only according to data formed after 2014. The cost of a pension point is determined quite easily: by dividing the entire amount of funds received by the PFR during the billing year by the total amount of pension points of the person - the recipient of the pension.

But determining the number of pension points accumulated by a person during his working life is a rather complicated process, subject to the same number of restrictions. When calculating them, the following will be taken into account (subparagraph 3 of article 3 of the law of the Russian Federation of December 28, 2013 No. 400-FZ):

the amount of contributions paid to the FIU;
length of insurance experience;
a period of refusal to receive a pension.

The total amount of pension points formed by the time of retirement is the sum of their number calculated for each year. At the same time, according to different algorithms, points are awarded for working and non-working periods. For working hours, they are also an estimated value, depending on the amount of contributions actually paid for the year and a limited maximum value for the year. And non-working periods, depending on the cause of their occurrence, are estimated by a certain numerical value related to the full year of such a period. For incomplete years, a proportional calculation of the value related to them is made, and if non-working periods coincide, the values \u200b\u200brelated to them can be added up.

And how to calculate the pension for those who have the main part of the rights formed before 2015? For them, the number of pension points accumulated as of 01.01.2015 will also be determined by adding points for working and non-working periods. At the same time, the former will receive by dividing the amount of the insurance pension accrued on 01/01/2015 by the value of the pension point established for the same date (64.10 rubles), and the latter - taking into account their numerical values \u200b\u200bgiven in paragraph 12 of Art. 15 of the Law of the Russian Federation of December 28, 2013 No. 400-FZ. Further, the rights assessed by an individual number of points for each year for those who continue to work will be taken into account according to the algorithm that has been in force since 2015.

How is the pension calculated in 2017?

So, it is obvious that the process of calculating a pension is actually rather confusing, and doing it yourself without having special knowledge for this is quite difficult. So how to calculate the pension in 2017?

The Pension Fund recommends using the pension calculator posted on the PFR website for this. However, it is stipulated that the final data will be conditional. In the actual calculation of the pension, after checking all the documents, taking into account the rights to benefits and periods, the data on which were not included in the individual information, the result may turn out to be different.

Read more about the formation of individual accounting information in the article. .

Results

Since 2015, the calculation of pensions has been tied to a new algorithm, which takes into account all the factors affecting the size of a future pension in a slightly different way. It is rather difficult to calculate it on your own, but you can use the pension calculator offered by the Pension Fund of the Russian Federation.

The provision of pensions for citizens is the most important social issue for all Russians. It is of interest to those who have already entered into their pension rights, and those who are just preparing to become a pensioner, as well as the younger generation. This is due to the fact that our future life after the end of labor activity depends on the answer to this question.

Types of pensions

Before proceeding to the consideration of the question - what makes up and what the size of a pension in the Russian Federation depends on, it is necessary to identify the types of pensions. The following categories of citizens are entitled to receive pensions on the following grounds:

1. Insurance pension. Men and women who have reached the retirement age of 60 and 55, respectively, are entitled to it, with the exception of those categories of citizens who are entitled to early retirement (Decree of the Government of the Russian Federation of October 29, 2002 No. 781), as well as citizens who “earned” insurance (or general) seniority using an increased coefficient (employees of the Far North, employees of anti-plague institutions, citizens exposed to radiation contamination as a result of the accident at the Chernobyl nuclear power plant, draft soldiers, workers in the exclusion zone of Chernobyl, etc.).

2. Disability pension.

3. Survivor's pension.

In this article, we will take a closer look at how the insurance pension is calculated, and give an example of calculating a pension for citizens who have acquired the right to an old-age pension.

For the current period of time, there are still quite a few citizens who have work experience in the Soviet Union (before the collapse of 1991) and are preparing to retire. For them, the question of calculating the old-age pension, taking into account precisely the “Soviet” length of service, as well as labor, the calculation of the pension for which was applied until December 31, 2001, remains relevant.

Since January 1, 2002, citizens of the Russian Federation have been forming insurance experience.

The "Soviet" experience (until 1991) and the total length of service (from 1991 to 2002) are taken into account in the appointment and calculation of the old-age pension in accordance with Art. 30 of Federal Law No. 173 of December 17, 2001.

This takes into account the valorization of pensions - this is an increase in the pension capital of all citizens who have work experience before the 2002 reform.

In accordance with the decree of the Government of the Russian Federation, for each year of the "Soviet" experience, the pension capital of citizens increases by 1%, respectively, and for the period of work from 1991 to 2002. - on 10%.

IMPORTANT! The length of service in the Soviet and post-Soviet times is confirmed by the relevant entries in the work book and other documents established for use by the legal order.

An unconfirmed length of service cannot be taken into account in the calculation of a future pension. This is important, since during the collapse of the Soviet Union, the reorganization of Soviet enterprises, etc. many citizens who have worked in the former Soviet republics lost the opportunity to confirm some periods of their work activity and thus received a lower level of pension.

Since 2002, the insurance period has been recorded in the personalized accounting of citizens' pension rights. That is, to calculate the pension in the Pension Fund, only the period of labor activity is accepted, as a result of which contributions were received to the account of the insured person.

The calculation of the pension capital that a person earned in the Soviet Union and in the period up to 2002 is carried out according to the formula:

PC \u003d (RP - 450) x T, where
- PC - pension capital,
- RP - calculation of the size of the labor pension,
- 450 - the amount of the basic labor pension as of 01.01.2002,
- T is the expected period during which the pension will be paid (228 months).

In this case, the size of the labor pension is calculated according to the following formula:

RP \u003d SK x ZR / ZP x SZP, where
- SC - seniority coefficient. For men with 25 years of work experience and for women with 20 years of work experience, it is 0.55. At the same time, it increases by 0.1 for each additional working year, in excess of the specified period, but cannot be increased by more than 0.20.
- ZR - the average monthly level of earnings of a citizen for 2000 - 2001. It is accepted on the basis of the information of the employer (certificate from the Pension Fund of the Russian Federation on the income of the insured person).
- ZP - the average monthly salary in the Russian Federation for the same period of time (2223.00 rubles).
- SZP - the average monthly level of wages in the Russian Federation for the period from 01.07 to 30.09.2002 (1671.00 rubles).

It is worth noting that when calculating the ratio of SR / SR should not exceed an indicator of 1.2; for calculating the "northern" pension - 1.4; for citizens with a district coefficient from 1.5 to 1.8 - no more than 1.7; from 1.8 - no more than 1.9.

An example of calculating a pension

Calculation of pension until 2002

For clarity, let's consider the calculation of the amount of pension capital using the example of a kindergarten teacher, a woman who has work experience in the Soviet Union and work experience before and after the 2002 reform (the total length of service is 25 years - early retirement for teachers, in accordance with the Government Decree No. 781 dated October 20, 2002).

Suppose that this citizen retired in 2014, before the modernization of the insurance pension system. At the same time, her average monthly salary until 2002 was 2,000 rubles, and her monthly income from 2002 to 2014 was 2000 rubles. - 15,000 rubles. (throughout the period).

1990 - 1 year of "Soviet" experience (valorization by 1%);

1991 - 2001 - 11 years of total work experience (valorization by 10%);

2002 - 2014 - 13 years of insurance experience;

SC \u003d 0.55 + 0.5 (5 years in excess of the required experience) \u003d 0.60

ZR \u003d 2000 rubles.

RP \u003d 0.60 x 2,000 / 2,223 x 1671 \u003d 901.94 rubles. - the size of the labor pension

PC1 \u003d (901.94 - 450) x 228 \u003d 10 3042.32 + 11 334.66 (11% valorization)

114,376.975 – pension capital formed by a kindergarten teacher before 2002.

Calculation of the insurance pension

The insurance pension began to be formed for all citizens of the Russian Federation in 2002. It is formed from 16% of insurance premiums from the payroll, which the employer makes on account of his employees in the Federal Tax Service (until 01/01/2017 in the Pension Fund). In total, the insured sends 22% of insurance premiums to the account of his employees for the formation of their future pension. 16%, as we have already found out, go to finance the insurance pension, and the remaining 6% go to the obligatory pension savings of Russians (from 2014 to 2019, the funding of the funded pension is “frozen”). According to the assurances of the Government of the Russian Federation, all under-received pension savings of citizens are taken into account in the insurance pension. In the calculation of pension capital in our example, we will not take into account 6% in the insurance pension for 2014, since the PFR does not provide their accounting method.

The pension capital, which is formed within the framework of the insurance system, as noted earlier, depends on the length of service and the level of income of a citizen. Since the insurance premiums, which form the future pension capital of a citizen, directly depend on his salary (payroll - wage fund).

Until 2015, the pension capital within the insurance pension was calculated according to the following rules:

PC2 = salary x 12 months. x 16% x P, where
- ZP - monthly salary of a citizen,
- 16% - the rate of insurance contributions towards the insurance pension,
- P - insurance experience (years)
PC2 = 15,000 x 12 months x 16% x 13 = 374,400 rubles. – pension capital earned by the educator from 2002 to 2014.

In total, the pension payment to a kindergarten teacher after 25 years of work will be:

SP \u003d PC / T + B, where
- SP - insurance (state) pension,
- PC – pension capital (PC1+PC2),
- T is the expected period of payment of the pension,
- B - basic pension.

The basic pension is guaranteed to all Russians and is paid even to those citizens who have not earned the right to an old-age insurance pension. This minimum social benefit, which is calculated depending on the level of the subsistence minimum, is annually indexed by the state. In 2014 B = 3910.59 rubles.

SP \u003d (114,376.96 + 374,400) / 228 + 3910.59 \u003d 6054.35 rubles. - an insurance pension for a kindergarten teacher, the right to which a citizen acquired after years of service (25 years).

It is worth noting that annually, twice a year, the state (insurance) pension is indexed to the actual (officially set inflation rate for the previous year) and to the level of growth of the subsistence minimum. Therefore, the final indicator of the amount of the insurance pension in our example will increase annually depending on the growth in consumer prices.

The formula for calculating pensions in 2017

In 2015, the method of accounting for the insurance pension and the right to acquire it have changed significantly. The pension is now calculated using pension points.

In order to understand how pension points are calculated to be credited to the future rights of a citizen, consider an example:

A citizen with a salary of 50,000 rubles. monthly can earn for 2017 the following number of points:

CPB = SW year / (NB year x 16%) x 10, where
CPB - the number of pension points,

SV year - the amount of insurance premiums of a citizen for the year,

NB year - the maximum established taxable base in the current year (in 2017 - 876,000 rubles).

CPB \u003d (50,000 x 12 months x 16%) / (876,000 x 16%) x 10 \u003d 96,000 / 140,160 x 10 \u003d 0.685 x 10 \u003d 6.85 points a citizen with a salary of 50,000 rubles. will work in 2017.

While the maximum possible number in 2017 is 8.26 points, 6.85 points will be credited to the insurance pension of the insured person.

Suppose that after 15 years of work, with unchanged earnings, tax base and the cost of a pension point (in 2017 - 78.28 rubles worth 1 pension point), a citizen will be entitled to an insurance pension (subject to reaching retirement age or the right to early retirement pension), since he will have 15 years of insurance experience and the number of pension points will be 102.75, which is more than 30.

SP \u003d IPC x SIPC + FV, where
SP - insurance pension,

IPC - the sum of all pension points that a person has earned during his working life,

SIPC - the cost of 1 pension point, which is set in the year the pension was awarded (we took it as the indicator set in 2017 - 78.28 rubles),

PV - a fixed payment, which is established by the state (in 2017 - 4805.11 rubles).

In our calculation of the insurance pension, we took the size of the PV at the level of 2017, but it should be borne in mind that this figure changes every year after indexation.

SP \u003d 102.75 x 78.28 + 4805.11 \u003d 12,848.38 rubles.

This amount will be the citizen's insurance pension after retirement in 2031 with unchanged salary indicators, the cost of 1 point and a fixed payment.

However, since 2002, the pension of Russians has been formed from two parts: insurance and funded. For completeness of information, we present the calculation of the funded pension.

Calculation of the size of the funded pension

The funded pension is financed from employers' insurance contributions to their employees and amounts to 6% of the payroll (from the official earnings of a citizen). From 2014 to 2019 the pension savings of Russians are “frozen”, therefore they increase exclusively through voluntary contributions (including contributions to the pension co-financing program) and through additional income provided by insurers (NPF, UK, GUK - VEB) of their clients as a result of investment activities .

For the reliability of calculating the funded pension according to the previously given example, we will take into account that until 2019 a citizen does not have a funded pension, and assume that in 2019 the “unfreezing” of the full funded pension rate of 6% is approved.

The income of a citizen is unchanged and amounts to 50,000 rubles.

SV \u003d 50 00 x 6% x 12 months. = 36,000 rubles. - the amount of insurance contributions to the funded pension for 1 year.

Suppose that a citizen has chosen an NPF with a yield of 10% annually.

It should be noted that since 2016, Russians have the right to change the insurer without loss of profitability no more than once every five years. Therefore, it is after this time that investment income is accrued to customer accounts, we will also take this into account in further calculations.

	Receipt from insurance premiums for ILS, rub.	Calculation of profitability for the current year (10%), rub.	Receipt at the expense of the insurer's investment return, rub.













Total

For 13 years of work of a citizen with his constant earnings, constant profitability of NPFs and “unfreezing” of savings in 2019, an accumulation capital in the amount of 890,100 rubles was able to form.

Pension savings can be received in the form of a lump-sum payment or in the form of a monthly funded pension payment. In order to receive all the savings at a time, it is necessary that the amount of pension savings does not exceed 5% of the amount of the insurance pension. Otherwise, the citizen will be paid a monthly amount, which is calculated according to the following formula:

NP = NK / T, where
- NP - funded pension,
- NC - the total amount of accumulated pension capital,
- T - period of payment of pension:

NP \u003d 890 100 / 258 \u003d 3,450 rubles.

This amount will form a funded pension in the form of a monthly increase to the amount of the insurance pension.

In total, the pension provision of a citizen will be:

PV \u003d joint venture + NP \u003d 12,848.38 + 3450 \u003d 16,298.38 rubles.

We received the amount of the pension payment of a citizen who worked from 2017 to 2031 and had an official income of 50,000 rubles, while we took all the data for calculation for 2017 and left them unchanged throughout the entire time period.