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Individuals voluntarily deposit a sum of money in a specific account, which does not exceed 12,000 yuan per year, that is, it does not exceed 1000 yuan per month.If you pay for 15 years, the personal pension account is 180,000 without calculating interest, and 180,000 divided by 139 months (if you retire at the age of 60) is equal to 1,288 yuan.

References:In addition, there are also situations in which you can get it in advance, such as completely losing your ability to work, going abroad to settle down, suffering from serious diseases, receiving unemployment insurance benefits to certain conditions, or receiving the minimum living allowance.If you pay for 15 years, the personal pension account is 180,000 without calculating interest, and 180,000 divided by 139 months (if you retire at the age of 60) is equal to 1,288 yuan.

In the traditional sense, pensions are roughly calculated like this. If you start collecting after the age of 60 and live an average life of 78 years, you can get 18 years. If you catch up with the longest period of delayed retirement, you can get 15 years if you retire at the age of 63. In addition, if you live 80+ or 90+, you will get more.Different from ordinary bank financing, funds and commercial insurance, individual pension contributions can enjoy preferential policies of deferred taxation.So how much can you get after retirement? There will be regional differences in this. The calculation method of pension is the sum of local basic pension and personal account pension, which is the specific number you can receive.