Pension fund Personal account - find out the size of your pension

Learning information about the size of your future pension

If a citizen works officially, the employer pays 22% of his earnings to the Pension Fund. But they are not deducted from it, since they have nothing to do with the 13% VAT. 22% is compensated by the company where the person works. Until 2014, this 22% was divided in a ratio of 16 and 6% between the parts of the pension: insurance and funded. Now that the “savings” part is frozen, all 22% of contributions are transferred to pension insurance.

The person's future pension is formed from the transfers paid by the employer. In connection with the new reforms, it became clear that the primary task of every officially working person is to earn as much as possible. The amount of future pension provision for each citizen directly depends on the amount of income.

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Pensions are divided into two categories: insurance and funded. Each of us has a personal account in a pension fund (state or non-state), the funds in which will later become our pension. It is logical: the more funds, the higher the pension and the more comfortable the old age.

It is the employer’s task to replenish the personal pension account. He is required to make monthly contributions in the amount of 22% of wages before personal income tax. Funds are distributed as follows:

• insurance part – 16%;
• cumulative part – 6%.

There are several exceptions to this rule:

• Organizations working under the simplified tax system (in simplified terms, speaking humanly) transfer 20%.
• Individual entrepreneurs independently transfer money to their personal account. The amount is calculated depending on income (a deduction from an amount equal to the minimum wage is often practiced).
• The amount of insurance for persons employed in hazardous work is higher than for those employed in a less hazardous area.

This is how the “body” of our pension is formed. Various coefficients are added to this amount. The number of children, military service, length of service, etc. are taken into account. You can calculate your future pension on the website of the Russian Pension Fund using an online calculator.

How to find out your pension amount

The question of future payments from the moment a person retires is relevant for most citizens. In order to get an answer to this, an Internet user can use several options:

1. PFR website, personal account.
2. Using a retirement calculator.
3. Website Gosuslugi.ru.

The amount of pension provision in the PFR personal account is found out if the user registers. It is simple and standard. Citizen identification data is entered:

• FULL NAME.;
• contact number;
• E-mail address.

After entering the data, the system will prompt you to enter an individual code. It arrives at the specified mobile phone number. After specifying the code, the new user's account is activated.

After activation, the system will request the person’s passport data, as well as their SNILS number. Information transmitted remotely is verified. Two days are allotted for checking SNILS. After this, a message will be sent to the email address specified during registration. After activating the letter, the user can log in to his personal account.

The amount of the assigned pension is available in the tab called “individual personal account”. The user is presented with a website page on which he can obtain information about his work experience and points (accumulated). Taking them into account, pension provision is currently calculated.

A widget with data on pension savings appeared on mos.ru

Pension Fund widget has appeared in your personal account on the mos.ru portal . It will help city residents monitor online the status of their individual personal account (IPA) with the Russian Pension Fund and control the receipt of employer pension contributions to it.

“The widget contains information about the insurer whose pension savings are formed, shows the employee’s length of service taken into account for the assignment of pension payments, the individual pension coefficient (IPK) and the amount of insurance contributions sent by employers to finance the funded part of a person’s pension,” said the source. press service of the Moscow Department of Information Technologies.

As the press service added, using the Pension Fund widget, users of the mos.ru portal can request and download a full statement of the status of their individual personal account . To do this, your full name, date of birth, gender and SNILS must already be entered in your personal account.

For users who have a verified SNILS in their profile, the widget will appear on the desktop of their personal account automatically. To activate it manually, you need to go to the “Select a service” section at the bottom of the personal account screen and select the “Pension Fund” topic. Next, enter the missing data. They are sent for verification to the Russian Pension Fund, after which the widget will be displayed on the desktop.

A personal account is a personal section on the mos.ru portal, which allows users to gain quick access to city services. Any resident of Moscow who has an email and mobile phone can register on the site and enter their personal account.

Your personal account on mos.ru was updated in December 2021. It has improved the interface and expanded functionality. Now citizens use useful electronic services with the help of special graphic elements - widgets . Thanks to them, it has become more convenient for the user to receive information on services.

For example, on the desktop, the user can set up a “Utilities” , which helps transmit water and electricity meter readings, pay for a single payment document (UPD) and MGTS phone number directly from their personal account. “Make an appointment with a doctor” will allow you to arrange a visit to a doctor without leaving your home . “Payment of traffic fines” widget will be useful , which informs about unpaid fines and reminds them of the opportunity to pay the fine with a 50 percent discount. In addition, using the “Child at School” , parents will be able to see when their children arrived and left school, and what grades they received.

In total, more than 330 electronic services are available on mos.ru. They simplify the interaction of citizens with various institutions, registration or submission of documents, and payment of bills. Up to 2.4 million users visit the updated version of their personal account every month.

We use a special calculator

It first started working in 2015. It's easy to use. His work is based on the postulate: the more money a person has earned in his life (meaning official income), the more he will receive in his well-deserved retirement.

A pension calculator is a service that takes into account the following indicators:

• Service in the RF Armed Forces;
• army;
• Holiday to care for the child.

According to the new reform, the more a person works and does not retire, the larger the amount he has the right to claim.

To forecast the amount of payments, you need to visit the official PFR website. It is located at: https://www.pfrf.ru. On its main page, users are invited to familiarize themselves with current and current changes relating to pension legislation in the Russian Federation. On this same page, anyone can use a special option called “Pension Calculator”.

The advantage of using the Pension Calculator is that you do not have to register to use it. Just go to the Pension Fund website and use a calculator to make the necessary calculations. Identity verification is also not required.

To use this option you must enter the following information:

• floor;
• year of birth;
• number of years spent on aircraft;
• maternity leave;
• years of work;
• the amount of earnings received.

To correctly calculate future payments, the user must provide additional information:

1. The number of years that will be spent caring for a relative (disabled people, people over 80 years old), without officially working.
2. How the person’s labor activity is carried out, in what status: self-employed. Individual entrepreneur, hired labor.

Information must be entered in the appropriate fields of the request. After this, the user will see the amount of future payments and the total length of service. If desired, you can obtain detailed information regarding the nuances and procedure for the formation of savings that will be paid to a person when he retires.

Rules for using the pension calculator on the Pension Fund website when checking pension savings

The pension calculator is very easy to use, and everyone can understand how it works. This service has been successfully operating since 2015. The new pension system is based on a system that operates on the principle: the more you work, the more you will receive later. The work of the pension calculator is based on it.

It also takes into account the time spent on military service and maternity leave, that is, payments will also be accrued on them. The service includes the principle that the longer a person does not receive a pension and accumulates work experience, the larger the amount of future pension payments he can count on.

To predict the size of your future pension, you will need to go to the website of the “Pension Fund of the Russian Federation”: https://www.pfrf.ru. On the main page of the site you will be asked to familiarize yourself with the latest news and changes in laws relating to pensioners, and at the end of the page you can see a clickable button: “Pension calculator”.

The service visitor does not need to register, confirm his identity or waste time on other formalities. Anyone can calculate their pension savings.

The procedure itself takes no more than five minutes. On the downloaded page, you must enter your year of birth, gender, the number of years spent serving in the army or maternity leave, as well as indicate how many more years you plan to work and the amount of your monthly salary.

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In addition, if the user plans to retire later than the legal age, this also needs to be recorded in the calculator. There is a special column for this.

You will also need to provide additional information such as:

• How many years do you plan to care for disabled relatives (disabled people or elderly people over 80 years old) without working?
• In what form do you carry out your labor activity (self-employed or hired worker; combination of hired labor and independent work).

After entering all the data, the user will see the size of his future pension, the number of individual pension coefficients and total work experience. It will also be possible to obtain detailed information regarding all the nuances and algorithm for forming pension savings.

Website Gosuslugi.ru

This is a large Internet portal that allows you to obtain information and make a request to receive legally significant services from the state.

In order to become a user of the site, you must register. The person’s identification data, as well as his documents, are entered. The system asks for the passport number and series, the date and place of issue. In addition, SNILS and its details are checked. If desired, the user can enter the children’s data, their documents: passport, birth certificate.

To find out the amount of pension benefits, you need to open the “Service Catalog” section. You need to scroll through the entire catalog of services and follow the link. In the “Pension, benefits” section you need to select. The user clicks on the “Get service” button.

On the page that opens, the person enters data:

• passport information;
• date of birth;
• SNILS number.

The user submits a request. The system informs him that he needs to wait for a response via email. He entered his email address when registering on the Gosuslugi.ru portal. The dynamics of an existing request are reflected in your Personal Account. If the application needs to be copied, it can be saved there. Or forward it to your mailbox.