养老待遇计算公式.xls

养老待遇计算公式.xls

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退休（社保）养老金计算器功能：

本表将协助您预测和估算退休时每月领取的养老金。

声明：

因社保养老计算公式复杂、费用项目因人而异、政策变化多，本表计算数据仅供参考，如有偏差以实际情况为准。

提示：

表中白色区域为用户填写区，请在此输入数据，其他区域无法编辑。

第第一一步步：

填填写写下下列列信信息息（用用户户填填写写区区）第第二二步步：

计计算算结结果果预预估估（自自动动显显示示区区）小提示你目前的社保养老金月缴费工资基数50005000元你离退休尚有2525年本市职工上年度月平均工资30003000元你的合计缴费年限3030年建议缴足15年以上你现在的年龄3030岁你的指数化月均缴费工资7291.857291.85元预估值，仅供参考你预计的退休年龄5555岁首次领取时的个人账户储存余额215004.47215004.47元预估值，仅供参考养老金的个人帐户目前累积金额4000040000元退休后领取基础养老金？

个月170170月国家统一规定你已缴费的年限55年退休后大致每月领取养老金合计3273.273273.27元“替代率”是指退休后的工资占退休前工资的比例，它反映了退休后生活水平下降程度，在这里以退休前指数化月均工资作为比较对象。

默认个人工资年度增长率（复利）33正常通胀下需要的养老金水平5742.125742.12元默认职工工资年度增长率（复利）33社保养老金替代率*44.944.9默认通货膨胀年均增长率（复利）22退休后每月的养老最低保障缺口-2468.85-2468.85元每月养老金-正常通胀需要的养老金期望退休后每月最低保障生活水平（不考虑通胀的预期）35003500元最低生活保障水平实际达成率57.057.0每月养老金/正常通胀需要的养老金序号工资基数年度省基/市基省基/市基60%省基/市基300%15000.0020083000.001800.009000.0025150.0020093090.001854.009270.0035304.5020103182.701909.629548.1045463.6420113278.181966.919834.5455627.5420123376.532025.9210129.5865796.3720133477.822086.6910433.4775970.2620143582.162149.2910746.4786149.3720153689.622213.7711068.8696333.8520163800.312280.1911400.93106523.8720173914.322348.5911742.96116719.5820184031.752419.0512095.25126921.1720194152.702491.6212458.10137128.8020204277.282566.3712831.85147342.6720214405.602643.3613216.80157562.9520224537.772722.6613613.31167789.8420234673.902804.3414021.71178023.5320244814.122888.4714442.36188264.2420254958.542975.1314875.63198512.1720265107.303064.3815321.90208767.5320275260.523156.3115781.55219030.5620285418.333251.0016255.00229301.4720295580.883348.5316742.65239580.5220305748.313448.9917244.93249867.9320315920.763552.4617762.282510163.9720326098.383659.0318295.152610468.8920336281.333768.8018844.002710782.9620346469.773881.8619409.322811106.4520356663.873998.3219991.602911439.6420366863.784118.2720591.353011782.8320377069.704241.8221209.093112136.3120387281.794369.0721845.363212500.4020397500.244500.1422500.723312875.4120407725.254635.1523175.743413261.6820417957.014774.2023871.023513659.5320428195.724917.4324587.153614069.3120438441.595064.9525324.763714491.3920448694.835216.9026084.503814926.1320458955.685373.4126867.043915373.9220469224.355534.6127673.054015835.1320479501.085700.6528503.244116310.1920489786.115871.6729358.344216799.49204910079.706047.8230239.094317303.48205010382.096229.2531146.264417822.58205110693.556416.1332080.654518357.26205211014.366608.6133043.074618907.98205311344.796806.8734034.364719475.22205411685.137011.0835055.394820059.48205512035.697221.4136107.064920661.26205612396.767438.0537190.275021281.10205712768.667661.1938305.97预计实际缴费工资平均指数实际缴费情况个人账户年度5000.001.6750004800.005150.001.6751504944.005304.501.675304.55092.325463.641.675463.6355245.095627.541.675627.544055402.445796.371.675796.3703725564.525970.261.675970.2614835731.456149.371.676149.3693275903.396333.851.676333.8504076080.506523.871.676523.8659196262.916719.581.676719.5818976450.806921.171.676921.1693546644.327128.801.677128.8044346843.657342.671.677342.6685677048.967562.951.677562.9486247260.437789.841.677789.8370837478.248023.531.678023.5321957702.598264.241.678264.2381617933.678512.171.678512.1653068171.688767.531.678767.5302658416.839030.561.679030.5561738669.339301.471.679301.4728598929.419580.521.679580.5170449197.309867.931.679867.9325569473.2210163.971.6710163.970539757.4110468.891.67FALSE0.0010782.961.67FALSE0.0011106.451.67FALSE0.0011439.641.67FALSE0.0011782.831.67FALSE0.0012136.311.67FALSE0.0012500.401.67FALSE0.0012875.411.67FALSE0.0013261.681.67FALSE0.0013659.531.67FALSE0.0014069.311.67FALSE0.0014491.391.67FALSE0.0014926.131.67FALSE0.0015373.921.67FALSE0.0015835.131.67FALSE0.0016310.191.67FALSE0.0016799.491.67FALSE0.0017303.481.67FALSE0.0017822.581.67FALSE0.0018357.261.67FALSE0.0018907.981.67FALSE0.0019475.221.67FALSE0.0020059.481.67FALSE0.0020661.261.67FALSE0.0021281.101.67FALSE0.007291.852864175004.47指数化月工资个人账户余额个人账户养老金计发月数表退休年龄计发月数402334123042226432234422045216462124720848204491995019551190521855318054175551705616457158581525914560139611326212563117641096510166936784687569657056（省基本人指数化月平均缴费工资）2缴费年限1首次领取时个人账户储存余额计发月数http:

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