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2023年退休養老金計算方法-全球熱點

來源： ? 2023-02-01 11:09:04

退休養老金計算方法是什麽?退休養老金怎麽查詢個人賬戶?接下來跟社保網小編一起來看看退休養老金什麽時候發放?下面是小編給大家整理的2023年退休養老金計算方法，希望大家喜歡!

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2023年退休養老金計算方法

退休養老金的計算方式爲：基礎養老金+個人養老金

1、基礎養老金：基礎養老金由各地區自行確定，一般是經濟水平發展越好的地區，其基礎養老金也會更高一些。目前我國三四線城市的基礎養老金普遍只有幾十元到百元左右，而一線城市的基礎養老金則至少有幾百元，其中的差距還是很大的。

2、個人養老金：個人養老保險賬戶余額除以計發月數，則可以得出每個月個人的養老金，計發月數通常是按照139個月來進行計算;而個人養老保險賬戶的余額則完全取決于個人繳費基數以及繳費年限。

退休養老金怎麽查詢個人賬戶

1、電話查詢：大家可以直接撥打12333進行查詢，12333是人社局服務熱線，大家可以通過語音提示自助查詢，也可以轉接人工客服進行查詢。

2、官网查询：登录人社局官网，在首頁选择“社会保险信息查询”栏目进行查询。

3、網點查詢：可以攜帶身份證及社保卡，前往社保服務網點進行查詢。

4、微信查詢：微信的社保服務中，選擇養老保險查詢來了解個人的養老賬戶情況。

退休養老金什麽時候發放

退休養老金在參保人員退休後按月發放。

在參保人員退休時，其養老保險至少完成十五年繳費的情況下，參保人員可以辦理退休手續。之後有關部門會根據退休人員的實際養老保險參保情況下來核算養老金，最後則是按月發放養老金待遇。

不同地區的養老金發放時間並不完全相同，一般是月中發放，具體的需要以養老金實際的到賬時間爲准。對退休養老金發放時間有疑問的，可以直接咨詢社保中心進行了解。

個人養老金需要交多少年?

個人養老金並無繳費年限要求。換言之，個人在開通個人養老金賬戶後，可選擇繳納或者不繳納，且繳納年數不限制。但需注意的是，只要個人繳納過個人養老金，無論是一年還是十年，在領取時都會有條件限制。一般以下幾種情況，可提取個人養老金。

【1】參加人達到領取基本養老金年齡。

【2】參加人完成喪失勞動能力。

【3】參加人出國(境)定居。

【4】要求的其他情形。

個人在繳納個人養老金時，每年繳納額度的上限是12000元，可以選擇多次繳納或者一次性繳納。今年繳費完畢後，明年是否繳納由個人自行選擇。且遇到參加人身故的情況，個人養老金賬戶中的資産也是可以繼承的。

此外，個人養老金還有一項稅收優惠，且優惠力度比較大。在繳費環節，個人養老金對應金額享受稅前抵扣;在投資環節，個人養老金投資收益暫不征收稅;在領取環節，個人養老金僅需按照金額的3%納稅。

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2023年退休養老金計算方法-全球熱點

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