Step-by-step instructions: how to find out the size of your pension through State Services » State Services personal account of the Russian Federation

What is taken into account when calculating

The amount of pension payments is calculated based on the following factors:

1. The amount of official income. This information is provided by the employer. You won't be able to get them online through any website. Unless the employee receives information about his salary in the form of an extract, for example, by email.
2. Length of work experience. This information is taken from the work record book.
3. Number and duration of insurance periods. This is the time when a citizen did not work for good reasons.
4. The age when a citizen retires and ends his working career.

Based on this information, points and pension coefficients are awarded, which are then used to calculate pension payments to Russians.

When do disabled people retire?

You must apply in advance - two to three months before retirement age. Documents you will definitely need are a passport or a residence permit for foreign citizens. Also, you need a certificate of pension insurance and official confirmation of work experience and socially significant periods (military service, maternity leave, and for some professions, also years of study).

If there is no work experience or the opportunity to provide proof of his years of work (when the citizen worked unofficially), then the pension will also be paid, but in a smaller amount without taking into account work experience.

We recommend reading: For how many non-vacations is compensation paid upon dismissal?

Indexation and calculation of pension payments

You can calculate the amount of payments yourself, or you can get the data on the Pension Fund website or the State Services portal. If incorrect pension information is identified, you can submit an application to the employer to provide documents on income received and deductions made from them.

You can use your personal account on the Pension Fund website since 2015. The website contains information about pension savings; you can also specify the method of calculation and type of social security. payments for:

1. Old age.
2. Disability.
3. Loss of a breadwinner in a family.

Every year while a citizen works, he is awarded points. When it comes time to calculate the social payments, add up all the points for years of legal work. The document used to confirm official employment is a work book. Depending on the information that employers provide to the fund, the system calculates the most accurate number of points.

If the data is unreliable and incorrect

Despite the automation of the process of data transfer to the Pension Fund of the Russian Federation and the interaction between government agencies with each other and organizations, no one is immune from errors in recording information that is important for the purpose of the security and its value. Such an error can occur either through the fault of the employer or due to shortcomings of the Pension Fund.

If you discover an error or inaccuracy in the statement (including the calculation or number of points), you can proceed in the following ways:

• contact the employer for clarification of the data correctly transmitted to the Pension Fund regarding a specific employee;
• through the online reception on the official website of the Pension Fund, send an appeal to explain the reasons for the mistakes made;
• contact the Pension Fund client service in person at your place of residence (actual registration) to receive advice;
• send a written appeal to the Pension Fund of the Russian Federation with a demand to clarify the situation and take comprehensive measures to eliminate false information.

Also, the citizen may be required to provide additional documents confirming his arguments and arguments. In particular, these can be work books, employment contracts or civil contracts, a certificate of care for an elderly person, etc.

Important! The generated and provided electronic statements about the status of an individual personal account, including information about the individual personal insurance policy, do not contain periods that are counted towards the insurance period, but do not imply deductions. Information about the periods of socially significant activities (public works, caring for a disabled person, an elderly person, etc.), taken into account for calculating the minimum length of service giving the right to a pension, can only be obtained during a personal visit to the Pension Fund.

There are several ways to find out the size of your individual pension coefficient. Moreover, this can be done behind a computer screen, without leaving home, by requesting an extract via the Internet or simply by visiting your personal account on the website of the pension department.

Information on calculating pensions online

The PF portal contains information about the official salary and length of service of employees. You can track the duration of work for any working period, as well as non-insurance periods of time: parental leave, army, periods of incapacity.

Obtaining information about pension accruals through the website is the most convenient way. When registering, a notification will be sent to your email or mobile phone number. After that, on the state website. services you will need to enter personal information and provide passport and SNILS data.

An important parameter when calculating a pension is the number of points earned. You can find out their number in several ways:

• on the State Services portal;
• in a branch of the Pension Fund during a personal visit;
• in the personal account on the Pension Fund website.

When calculating points, you may encounter an incorrect number of points or a short work history. The Pension Fund receives information from employers, so inaccuracies are associated only with deliberate misrepresentation of facts, fraud or erroneous data entry. In these cases, fund employees recommend checking information about the length of service with your boss.

If you need to obtain data for a certain working period, you will need to write a free-form application, send it by mail to your manager or hand it in person. The application must indicate the contacts where the employer should send the information. According to the law, within 3 days the boss must send copies of documentation of work activity with all data on vacations, dismissals, and income certificates. The employer must stamp the copy. There is no need to pay for preparing and submitting papers.

If the company where you worked for a certain period no longer exists, you can contact a higher organization or request documents in the archives. When the necessary papers have been collected, contact the Pension Fund office to verify the data.

You can also send a request to the fund to clarify data on your work activity online. This method will save time and you won’t have to wait long in line.

Find out the pension amount on the PF website

To find information about pension contributions on the Pension Fund website:

1. Open the official website of the foundation.
2. Log in to your account. To do this, enter the phone number you specified during registration, SNILS number or email and password.
3. On the menu .
4. Fill out an application for data provision.

The received documents can be printed. But if you send data electronically, then this is not necessary. To prevent data from getting lost, it is advisable to keep a copy of the electronic version of the documents and one copy on paper.

Find out the amount of payments at the fund branch

To find out information about old-age pension payments at the institution’s branch:

• contact the Pension Fund branch with all the necessary documents;
• fill out the application for data provision.

The data will be prepared in the form of a certificate. It will indicate the duration of the work periods and the points earned.

Calculation of pension data through the state website. services

On the government services website, fill out the calculation form:

1. Please indicate your gender and age. Those citizens who were born before 1967 cannot choose what to allocate funds to: the insurance part or the savings part. Those born after 1967 can do both. This gives 10 and 6.25 points annually, respectively.
2. Enter information about your military service. For each year of service, 1.8 points are awarded. This period is added to the total working period.
3. Indicate the number of children and the duration of parental leave. For children, 1.5 years are added to the length of service. Number of pension points for children:

1. Enter the deadline for applying for pension payments. The later Russians apply for pension accrual, the more pension points they can accumulate.
2. Enter information about the expected length of work experience.
3. Indicate the official amount of income excluding personal income tax.
4. Click "Calculate".

The exact amount of the pension is not indicated on the portal, but along with data on insurance and savings contributions, an algorithm for calculating the pension will be shown.

State services pension fund personal account, find out the size of your pension

In order to find out the size of the pension through the State Services service, the user also needs to have a registered account on it. If it is not there, then you need to go through the registration procedure as described in paragraph 1. After this, the entire range of services provided by this service will become available.

How can I find out the size of my pension in my Personal Account? You need to open the section: “Service Catalog”, subsequently indicating that you need to view the “Entire Catalog” by clicking on the appropriate link. In the section “Pension, benefits and benefits” you need to look at everything. Then click on the clickable link: “Get a service.”

On the next page the user will need to provide the following personal information:

• FULL NAME;
• date of birth;
• SNILS number.

Now you just need to send a request and wait for a response notification to your email. You can monitor the status of your request in your “Personal Account”. If necessary, you can save the application or send it to yourself by email.

Where to see the storage part

Until recently, once a year the Pension Fund of the Russian Federation sent out letters with information about the status of the savings account. Russian Post delivered such correspondence to all citizens of working age who paid contributions to the Pension Fund. Now such letters are not sent out, but all information is available on the state portal. There you will receive information about:

• places of work;
• periods of work;
• the amount of contributions from your employer.

At the same time, not all citizens now have a funded component. It is available by individual choice to persons younger than 1967. They indicate whether to direct all deductions only to the insurance part or to separate the share to the funded one.

To find out the funded part of your pension through State Services, go to the website gosuslugi.ru with your login (this is your phone number, SNILS or email address) and password. Go to the Service Catalog, scroll the page to the “Pension, benefits and benefits” category, select “Notice on the status of your personal account.”

Service details will appear. The request to the Pension Fund is sent electronically, the waiting time for a response is no more than 2 minutes. Once your application has been processed, you will be provided with an extract from your pension contribution history. The document is generated in *.pdf format, which can be viewed in any modern browser, saved to a computer or printed. The legislation does not provide grounds for refusal to perform a function; as a result of consideration of the application, a reporting extract must be generated.

If you agree with the information provided and want to find out the funded part of your pension through State Services, click the blue button on the right “Get a service”. After a short processing of the request, information about the status of your personal account will appear.

You can view the PFR notice in *.pdf format - this file has no legal force and is for reference only. If you need to provide an official statement to a bank or other organization, select the “Forward notification by e-mail” option. The State Portal guarantees that in this case the data will be sent in a special format that guarantees its authenticity.

The statement contains detailed information on the basis of which the personal coefficient is calculated: pension option, length of work experience, amount of annual contributions to the insurance part. If you work in several places at once, you will find deductions for each employer in the file.

Paragraph 3 of the statement provides data on the amount of the funded part of the social payment. You'll see which fund is managing your retirement money. The total amount of savings includes both insurance premiums directly and maternity capital funds, and additional voluntary payments, if any.

When participating in the state program for co-financing the funded part, the amounts of voluntary contributions and additional payments made for them will be listed here by year.

Formula for calculating pension

The formula for calculating the old-age pension in 2021 looks like this:

SPS = FV * PK1 + IPKobshch * SPB * PK2 + NChP.

The cost of a point for pension payments is indexed every calendar year by the inflation factor approved by the government of the Russian Federation. In 2021, 1 point equals 87.24 rubles. Fixed payments also change annually. From January 1, 2021, the standard minimum payment is RUB 5,334.19. The fixed payment also depends on the category to which the citizen belongs. If this is a preferential category, for example, disabled people of groups 1 and 2, then the fixed payment will be higher.

The IPC was calculated in different ways in different periods. According to the new law, it is necessary to separate these periods and determine the overall score.

If all the parameters are known, then using the formula you can calculate the amount of the old-age pension yourself.

Social pensions

If a citizen does not have time to accumulate the required length of work experience in order to receive an insurance pension, he is assigned a social pension. Social pensions begin to accrue to Russians 5 years later than insurance ones. Therefore, a working and non-working citizen of the same year of birth will receive government payments at different ages.

Indexation also occurs annually, but from April 1, and not in January. In 2021, the average amount of social payments is 9 thousand rubles. In each region, the figure may vary due to different premiums and increasing factors. Social additional payments are made if the amount of material support does not reach the subsistence level established in a given federal district.

What affects the amount of pension benefits?

Employers are required to make contributions for each employee to the Pension Fund, based on the percentage of total earnings established by the Government of the Russian Federation. But if the salary is paid in envelopes, then no transfers are made from it, and as a result, the employee is paid the salary in full. But there is a certain risk here - you can no longer count on a decent pension, because there will be no accrual of points, no increase in insurance and work experience, which affect the amount of old-age security.

If the future pensioner has a short insurance and work experience (less than 10 years), then he will only be paid social benefits in old age, and 5 years later than provided for persons who have reached the legal age.

Example of pension calculation

Conditions for an example of calculating pension payments:

1. A man who was born in 1958. The retirement date is 2019.
2. Work experience is 37 years. Of these, the army from 1976 to 1978, education from 1978 to 1983, work in several periods: 1983-1992, 1996-2009, 2010-2021.
3. Income data: from 1985 to 1989, salary certificate for 60 months - 286 rubles, from 1996 to 2001, salary certificate for 60 months - 1,425.25 rubles. the average salary for 2000-2001 was 1,752.14 rubles.
4. Insurance payments. 2002-2014 - 422,584.8 rubles. 2015 - 135,960 rubles. 2021 — 135,960 rub. 2021 — 135,960 rub. 2021 — 135,960 rub.

Calculation example:

1. Seniority coefficient. Option 1 - 0.55 for up to 25 years of experience. Option 2 - 0.55+(26-25)*0.1=0.56.
2. Average income to the average for the Russian Federation. Method 1 - 286/223.18=1.28. Method 2 - 1425.25/945.15=1.51. We take into account the indicator 1.2.
3. Estimated pension. Option 1 - 0.55*1.2*1671=1102.86. Option 2 - 0.56*1752.14=981.20. Method 1 is more profitable, since the second method only takes into account 555 rubles.
4. Pension capital until 2001. (1102.86-450)*144=94011.84
5. Valorization amount according to the most suitable option. 94011.84*(0.1+0.16)= 24443.08.
6. Total capital and valorization amount until 2001. 94011.84+24443.08=118454.92.

Calculation features

Only old-age pensions are calculated in this way. For other payments, different coefficients are used. In this case, increasing coefficients were not taken into account:

1. When retiring a year later, the fixed amount becomes higher by 5.6%, by 2 years - by 12%, by 3 years - by 19%. Retirement 10 years later - 111%.
2. The cost of points when deferred for 1 year increases by 7%, 2 years - by 15%, 3 years - 24%, 10 years - 132%.

Recommendations for those retiring:

1. Collect all certificates of confirmation of work, change of company name before 2002.
2. Select the most profitable 60 months for reference until 2002.
3. Check with the Pension Fund for the list of required documentation at least 9 months before retirement.
4. Collect certificates confirming your studies as work experience.

Be sure to pay insurance premiums based on your income, since without them pension points will not be calculated.

about the author

Klavdiya Treskova - higher education with qualification “Economist”, with specializations “Economics and Management” and “Computer Technologies” at PSU. She worked in a bank in positions from operator to acting. Head of the Department for servicing private and corporate clients. Every year she successfully passed certifications, education and training in banking services. Total work experience in the bank is more than 15 years. [email protected]

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Comments: 3

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Author of the article: Klavdiya Treskova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

1. Igor
   08/10/2021 at 00:00 hello..explain the situation if you can..I retired at 52 years old (working under hazardous conditions), and I have 34 years of insurance experience..and the length of service taken into account for assigning a pension was 26 years.. I served in the police from 1995 to 2010.. the time from 2002 to 2010 (8 years) was not included in the period for granting a pension..
   Reply ↓ Anna Popovich
   08/10/2021 at 22:49

   Dear Igor, for military service a military pension is formed, for which the length of service in a certified position is taken into account. It is not included in the total length of service.

   Reply ↓