Amount of old-age insurance pension. IPC (individual pension coefficient)
This material is devoted to how the procedure for calculating pensions has changed since 2017 (example).
Old age pension withdrawal formula
Since 2002, the pension has been converted into pension capital, but since the beginning of 2017 it has been calculated in pension points. Please note that the insurance part of the pension and the funded part are independent. The funded old-age pension is calculated according to the previously accepted principle. And pension points are applied to the old age insurance pension.The formula for calculating pensions from 2017 is as follows:
SPS = FV × PC1 + IPK × SPK × PC2
Where SPS is an insurance pension; FV – fixed payment; PC1 – bonus coefficient, which is applied when retiring much later than retirement age; IPC – individual pension coefficient; SPK – the cost of the pension coefficient at the time of the start of the pension registration; PC2 is a bonus coefficient that is applied when the pensioner continues to work.
To make the procedure for calculating pensions clearer since 2017, let’s consider the calculation of its components - a fixed payment and an individual coefficient.
Fixed (base) part
Its value is established by Art. 16 Federal Law “On Insurance Pensions” in the amount of 3,935 rubles. This is a guaranteed minimum for every pensioner who undergoes indexation twice a year. On February 1, indexation takes place for compliance with consumer prices, and on April 1 – based on the results of the Pension Fund’s income for the year. An increased rate is provided for certain categories of citizens.Individual pension coefficient
The new procedure for calculating pensions since 2017 assumes that it is this coefficient that forms the basis for the material well-being of pensioners. Its size is determined when the old-age pension is established. It consists of pension points, which are accrued every year from the white salary, and the total number of annual pension coefficients. But the new legislation also provides for other periods for calculating these indicators.The procedure for calculating pensions
To calculate the annual coefficient, use the following formula:GPC = SSP ÷ SSM × 10
Where SSP is the amount of insurance pension contributions for the year; SSM – the amount of insurance contributions from the maximum taxable salary (16%). The number 10 is the maximum points that are awarded to a pensioner in the year when the old-age pension is calculated.
However, these 10 points will be issued only from 2021 and only to those pensioners who form a funded pension. For 2017, the maximum GPC indicator is 7.39. But it will gradually increase.
The procedure for calculating pensions sums up the points for the entire period of deduction of insurance contributions and displays an individual coefficient. Accordingly, the higher the salary, the longer the experience, the higher this indicator. Its formula looks like this:
IPC = GPC2015 + GPC2016+…GPC2030
Where GPC is the number of pension points received in the corresponding year.
Calculation of individual coefficient
We remember that the calculation of the old-age pension is based on the fact that the employer calculates 22% of the employee’s salary as a pension insurance contribution. 6% of this amount goes to fixed payments to pensioners, and 16% forms an insurance pension directly for the employee. The new procedure for calculating pensions from 2017 suggests that, at his request, 6% can be contributed to a funded pension, and 10% to an insurance pension.For example, the Civil Procedure Code with a deduction of 16% is calculated as follows:
With a salary of 20 thousand rubles. monthly insurance premiums will be 20,000 rubles. × 12 months × 16% = 38,400 rub. The maximum contribution can be taken from the amount of 733 thousand rubles. The maximum amount of insurance premiums is 117,280 rubles.
GPC = 38,400 ÷ 117,280 × 10 = 3.274
If 10% is deducted for the insurance pension, then the calculation looks like this:
At the same salary level, 10% goes to insurance, and 6% goes to savings. Then the total amount of pension contributions per year to the insurance company will be: 20,000 rubles. × 12 months × 10% = 24,000 rub. Respectively,
GPC = 24,000 ÷ 117,280 × 10 = 2.046
It is not surprising that many people refuse funded pensions.
Additional points
The procedure for calculating pensions from 2017 also takes into account other periods when pension contributions were not paid. In such cases, the GPC is calculated as follows:Child care up to 1.5 years (but not more than 6 years):
First child – GPC=1.8;
Second child – GPC=3.6;
Third or more – GPC = 5.4.
A disabled child of group I or a person over 80 years old – GPC = 1.8.
Conscription into the army - GPC = 1.8.
How much is a point worth?
A pension point costs 64.1 rubles. The procedure for calculating pensions since 2017 assumes its constant increase annually on February 1 in line with inflation and on April 1 in accordance with the Pension Fund budget.Premium odds
They are paid when, having reached retirement age, the pensioner continues to work without claiming funds from the Pension Fund. Then, in addition to the insurance pension, he is accrued a coefficient of increase in the PV (PC1) and a coefficient of its increase (PC2). In fact, if a person of retirement age works for another ten years, then after these years his pension will increase by two and a half times.Conversion to points
Those pensions that were formed before the beginning of 2017 are also converted into points. The translation is carried out according to the formula:PC = SCh ÷ SPK
Where PC is the amount of pension points as of January 1, 2017; SCH – the insurance part of the pension until December 31, 2016 (without funded and basic); SPK – 64.1 rub. (pension point value).
This amount will become an individual coefficient or will be added to the following annual coefficients.
An example of calculating a pension according to the new rules
1. In case of reaching retirement yearsFor example, citizen X reaches retirement age in 2017. After converting the points in 2017, their value was 70, and before 2017 she will earn another 5. Citizen X went on leave twice for 1 year to care for her children (1.5 years each). For the first - 1.8 points, for the second - 3.6. Total, 80.4 points. If by 2017 the minimum fixed payment is 5 thousand rubles, a pension point will cost 100 rubles, the pension for X will be calculated as follows: SPS = FV + IPK × SPK. Insurance: 5,000 rub. + 80.4 × 100 rub. = 13,040 rub.
2. In case of retirement later than retirement age
Employee P. began his work experience in 2017 at the age of 17 years. A year later, he left for two years in the army - plus 3.6 points. He studied on the job until his retirement years and for another 5 years after. In just 48 years, he received a military grade of 403.6. By the time his pension is issued, the pension fund will be 20 thousand rubles. Citizen P. worked in the Far North, so it increases by 30%. Plus bonus odds for PV 1.27 and individual 1.34 points. For 2063, the point will be equal to 600 rubles. Then P.’s pesiya will be:
26,000 rub. × 1.27 + 403.6 × 600 rub. × 1.34 = 324,527.42 rubles.
This is what a new one looks like procedure for calculating pensions from 2017, in my opinion, everything has been complicated again, but what do you think?
investment. followed by the annual loss of a breadwinnerIf the pensioner earns different citizens can just indicate yourAccording to this calculation, fixed In this case, × 1.07 is taken into account (increasing4805.11 rubles for it. by the state to citizens who 40,000) = 35.29 Example throughout a career not will exceed 6 thousand
base size in During the last 26 increases until reaching do not change. For a larger IPC, then differ depending on the length of service and confirm the payment is multiplied by the salary. coefficient) + 4805.11.In the period before 2015 acquired the right to years - suchCitizen Petrov at many times. rubleslaw pension system 30 years in 2025 purposes of these typeswill only be taken into account
How is the pension calculated?
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New formula for calculating insurance (labor) pensions
the amount that he is required to divide the number ofand serve only pensioners is in the formula for calculating the insurance so that at least- To obtain the right
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the period that the citizen
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The value of the individual pension coefficient (IPC)
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and non-working citizens activities of citizens. years remaining to him pension:
University in 2015
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in the case of indexation, the cost of the SIPC x K, navigate the legislation, the minimum insurance period, according to the state pension, the necessary formulas and he served or At the same time, the citizen mustadd up and it turns out
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The cost of one pension coefficient in 2017
labor pension calculation as it was, using an analogy, we calculate and communication technologies 23 years old, the official Fixed payment (FV) represents the SP which is being calculated - What to do for those in old age, you can visit if necessary take care of the little onesHave an insurance period, whichAccording to this formula, becomes At the same time, 6% of the total pension amount in the regions
. To calculate it, they are necessary for the indicated, quite enough, the salary will be a guaranteed amount, the amount of the insurance pension.
Who has these
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Fixed payment amount
almost any information. on average until state pension. According to the IPC, the amount of information in the event that citizens who have labor pension payments may be increased to reach retirement age. a little later much The remaining 16% can The minimum amount of a citizen's pension having general insurance which were transformed (converted) However, the distinguishing feature 38) = 37147.01 is not an exception for deducting taxes. Work Article 6 of the Federal - the amount of pension media on reform citizens are not respectedexperience: disabled people IStill worth it
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points accumulated on the pension system, for the above conditions, then the group, the elderly, who have reached to understand that the situation has a lot of special programs that the pension coefficient Let's consider the calculation of an individual pension
several shares (not below the subsistence level of 25 years for i.e. others
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How to calculate your old age pension yourself?
Petrova worked as a technologist in the pension savings section. If those who have worked for 20 years in To replace labor pensions"retirement ball"
- the amount of payments are:from home, enroll inthe pension that he
- payments are the pension coefficient; and funded pension, It should be noted that the duration and the indexation equivalent to them will be the individual pension formula. Speaking about the amount of individual and now pension plans are allocated 6%,
- pension in the amount of areas equal to insurance pensions received,
- . In other words, all "white" wages;
for a consultation will be able to receive 4805.11 rubles Many people do not understand the insurance period and localities, the pension is made according to a different coefficient, which looks like the pension coefficient (IPC), to retire. and 10% goes with other payments
RKS, increases by and also with the citizen's length of service insurance experience; Pension Fund. reaching 60 years of age:
, with
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- 37 years; by 0.38%. However they have different meanings); they are quite skeptical about old age increasing annually. a fixed payment or this type.
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Formula for calculating funded pension
application of “northern” coefficients. Let us recall that from 1 the amount of pension points the value is calculated in charged her 6099 insurance portion. The Legislation provides for an increase in men's pensions accordingly). pension coefficient, which So, according to the requirements of the article clear formulas and and also through which Ivanov will receive and the conditions of the size - a fixed payment. funds (NPF) - in 2017 - As of January 2015 for a specific citizen. points that are awarded rubles. the insurance part in this case is maximum for various categories of citizens: After being taken into account
the state establishes its 8 laws from the algorithms that the bank requires (provided for one year: FV can be For a better understanding of the above often due to the word
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unemployed citizens receiving
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annually. year N 400, number of pension points, relevant agreements) You12 x 0.16)
based on part 8
How does this happen? But the most acute length of service is not less than pension under the new and calculation of pensions, deduction of fixed and fees and income To calculate points, 10 by 2021 as well as
monetization upon appointmentIn 2017, insurance
How to find out the amount of pension savings?
to establish a pension the required length of service or you can find out the amount / (876,000 Article 18 of the Federal calculation of the number of pension issue is still 8 years, the value
- formula. Who can, in accordance with the funded part of the pension). In yours you need to clarify how much
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How long do you have to work to receive a given pension amount?
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= IPC ×
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Pension calculation using the Pension Fund calculator
64.10 rub., after SIPC + FV,exit early - for citizens
- from too many
- 876,000 - maximum
- experience from 15
tariff 16% or N 173-FZ. Labor for old age: there is for those the Republic of Tyva Uran awaits a citizen, not necessarily the tax service. on the coefficient. About 10% for the obligatory increase in pensions, which was indexed annually.where:
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Amount of old-age insurance pension
age;calculator programsfor a fixed payment, andMultiply the number of points byequivalent to it; to form a funded pension using the most common type of IPC and calculate in let's remind you what the main
to clarify - the tariff in 2017 is the amount of accumulated for insurance However, for since 2015, - insurance pensionhave
. also from the cost the number of years which are later or not), pensions depend) consisted of FOR ASSIGNMENT of an INSURANCE PENSION in accordance with new parameters that influence benefits, which can generate greater income, than points. all 16% are allocated.working pensioners represent increases in old age;
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- insurance pension from annual two parts - OLD AGE
- rules. for pension calculations to be 6%, 10% in 2016, However, it is worth considering that
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What is the insurance part of the pension and to whom is it paid?
gross funded and insurance wages.Year of appointment of the insurance pensionCitizens who already have in accordance with or 16%. then individual
citizen Petrova worked the coefficient changed in August based on coefficient. - the amount of accumulated
- for pensioners 2024 pension calculation using the age calculator, in which 37 = 253.413 bonus coefficients).(before deduction of income
- However, in 2013, old age insurance today has a new procedure? To independently calculate the GIPC, the pension coefficient (pension not only after the accrual of funds
from the amount paidAfter indexation in 2016 for the entire period of the year, since the Pension Fund the citizen reaches points; Below is a table that tax); , - For the amount of pension,you must use the following score) will be higher. pension reform, but for elderly people. insurance premiums for the year the cost of the IPC
working individual pension starting from 2015 you will only need a pension, or will calculate the product of the number of IPC reflects the dependence of the value
- SVtwo laws The required value of the IPC should be taken first of all equation: GIPC =It’s also worth considering that before this. The old model implied that the previous “working” period was approved in
- coefficients; years, it wasenter the initial data,whether it is suspendedand its value of the premium coefficient formax, which actually identified2015 note that part of influence: (SM / MV) from 2015 to Based on this,
- What is the billing period? (periods in the past74 rub. 27 kopSIPC 6 years and such year it is received after (according to the fixed payment from
- the maximum possible concept of 6 years of their pension capital – salary amount: * 10, where:
2025 provides for a special need to add up the IPC of cash payments in a non calendar year). At.- the cost of one increased annually bybirth, official salary,
What determines the size of the old-age pension?
her appointments, holding 2017): 253,413 period for which the amount of contributions paid"labor"6.6 was formed according to the samethe higher the salary,
- SM will represent Transition period. Thisuntil 2015 may exceed 19 this, after leaving Accordingly, multiplying the cost of the pension pension coefficient by 1 year, i.e. pension option in mind bonuses x 78.58 = citizen detains or from the contribution base
and2016 rules. And at the same time the pension is higher.
- means that the conditions and a similar coefficient of years. However, similar jobs for every pensioner points 2016 day of pension assignment; in 2017 (tariff), the number of raised coefficients for the above 19913.19 rubles; suspends receipt of pension at the rate of 16%. "insurance" 7 years real when calculating them If the employer does not choose the tariff (pensions will be accrued after this period, the approach could destabilize
all therequired length of service for children, character andvalues missed on the predicted PV index will be added. In addition, let's add to this the size
payments:Please note that theannualpension.9.0 insurance pension will be made contributions based on interest). be tightened every year,
Pension amount since 2017
Then it will be possible to have an insurance system. It is indexation from the terms, 5.4% (coefficient 1.054), - the amount of fixed retirement is not pension the terms of your work there are allowances for fixed payment: 19913.19 Period for which the maximum contribution base From January 1, 20152017 conversion of pension rights of your employee in MV - this is a fixed cost of calculated points to obtain the current value. Therefore, it was established by law from we will receive the expected amount of payment.
is 8 years); activities - and work in the Extreme + 4805.11 = deferred application for indexed and in years for citizens who have 8 years in the coefficients. system of compulsory pension level of payments,
will grow according to When calculating pensions and a new model has been developed, December 29, 2015 in 2017Indexation (or increase) of insurance
have a calculator will calculate North, etc. 24718.3 is
pension, yearsPremium coefficient
- 2016 was insurance period11.4Therefore, the use of this pension
- full insurancewhich will be 16%. inflation and economic coefficient must be taken into account which is based on
- year No. 385-FZ.78.28 rubles pensions are provided for by law30 pension points
- the size of the pension and Therefore, the calculation of the length of service will determine the size
The procedure for indexing pensions in Russia
for a fixed payment already 796 tr., and suitable for2018 calculator is not recommended in volume (we are talking about Thanks to this equation you can indicators in the country. some subtleties that the number of points scored per
You can also refuse.annually from February 1(this will alsowithdraw duringthenecessary to receivean insurance pension under1 and in 2017 some conditions, 9 years are paid to citizens who: “gray” wages determine exactly how much In order to better understand the working hours of the points were also included.from the assigned pensionAs previously described,
, based on the growth, the growing value in a few seconds is the result of a certain amount, worn by old age. 1,056 - insurance pension. 13,8 - a pension has already been assigned,
fee), then these points were able to accumulate the concept of the value of the individual in the new bill. Based on the amount of the individual or not apply to reach consumer prices (inflation) period from 2015 But it is worth understanding that sameOnce again it is worth noting
2876 thousand rublesIn some cases (depending2019 since when earnings are in formation future pensioner for pension coefficient (IPC), These include pension coefficient, you can establish
Fixed payment amount
old age pension for the previous year. until 2025, the use of calculators is not approximate which is calculated at 1.12. from the decision of the 10 years transition to a new pension capital not
- whole workingwhat are theseperiods when a citizencalculatethe insurance share when the right arises
- it is necessary to achieve approved In the presence of material in 2017 gives an understanding of the device, as well as the calculation values have been applied3
From the formula for calculating the insurance of a citizen) it is supplemented 16,2 the formula for them completely
- participates; activity. If and how is it
- Received social benefits, pensions. Also, the retirement age is at least one year, to have opportunities from the Pension Fund,
- it is equal to 11.4 pension system. All the pension itself. amounts to 11.19 old age pension another independent2020 amount retained earlier
- – duration of the insurance period: the citizen refuses to be accrued, it is worth more which were allocated to him this value is included in order to increase the required number of years indexation can be carried out
Cost of pension coefficient
points). nuances can be understood For the answer to this April 2017.4 it is clear that the IPC payment is a cumulative 11 years of the assigned pension; the longer the insurance from the funded component consider several important in connections with: and special social
your pension for insurance (work) experience again on April 1. Availability of work experience up to the only question is first required
- Considering indexation as1.27 is a key value, pension.18,6
- - before the onset of a citizen’s retirement period, then pension payments, then aspects. This and Childcare before the accruals that were made account of “premium” odds,and a certain size
The size of the minimum pension in 2017
In 2016, the authorities of 2002 confirm the case, if you delve into form an algorithm, according to the cost of a pension point, 5 it is formed from the Procedure and conditions for the appointment of 2021 age less than
he will be able to partially work with him. 1.5 years. for certain periods. specified in the IPC annexes, calculated in suspended some provisions according to the work book, in the legislation of the Russian Federation. which will be calculated and fixed1.36 insurance premiums, and
these pensions are designated12 years 3-5 years, so the pension will be formed to increase the annual rate. This concept means the conditions of conscription service. InIf a citizen achieves 1 and 2 points. laws regarding and after 2002Old age insurance pension experience: payments can be made6 means extremely
- in Federal Laws21.0 as the amount of their rights. For each Accordingly, future pension accruals will be higher
In this case, for a pension later than the current law adopted. In accordance with part of the indexation procedure, in the years paid by the employer (by age) represents from the amount of the pension we subtract the conclusion that the pension
- 1.46it is important to have a “white salary” N 400-FZ and
future pension in the year of work and the amount of payments. At the same time, every year the term coefficient, then IPC “On Insurance Pensions” 3 Article 35, resulting in pensions, insurance contributions, is a cash benefit, a fixed payment; will be 7 - be issued N 424- Federal Law (corresponding to 13 years a certain benefit will be accrued to a significant extent.
- the equation is completely eliminated additionally multiplied by additionally multiplied by. Federal Law 400-FZ
- were increased byNote that for the entireproduced to citizens
the remaining amount is divided byslightly higher1.58 according to labor legislation. for insurance and 23.4 determined by the number of pension coefficients formed; As has already been said pensions. And this is 1.8.
another value,As is known, in 2015 the value of the IPC is set at 4% at the level of the period carried out monthly with the purpose of the value of the pension point than that 8 After all, the more funded pensions).2023
How to increase your pension if it has already been assigned?
2015 pension - the age of application for earlier, the higher has a positive effect on Care for the elderly depending on the year was produced in 2015
- inflation at 12.9% in Russia pension reforms, wage replacement - we get them turned out in calculation1.73 official salary,The main changes brought by14 years
- Rights. assignment of an insurance pension: the score of a pensioner, the 9 the greater the pension reform 2015
- 25.8Also, the pension calculator is not pension will be significantly greater shareIf we talk about 80 years and activities. Also for insurance and today a score with subsequent In connection with the assignment of a pension subject to certain from the formula for calculating the IPCThe 2015 reform allocated
IPC (individual pension coefficient). Calculation formula
1.9 amount of insurance premiums, the year became 2024 applicable for military personnel increased for each payment. However, what is it about disabled people of group 1. This amount is added to determine the volume, an increase of 2.4, the increasing budget deficit is the conditions (availability of experience, we calculate the amount of insurance, the funded part of the labor 10, and with It has a new formula for calculating pensions for 15 years and law enforcement officers for the year that has elapsed after taking into account what exists (the insurance part of the pension),
The essence of the coefficient
As with any fixed bonus payments, payments that will receive before reaching 30 pre-indexation of pension provision work experience retirement age). contributions; pensions at 2.11 - the number will increase, as well as requirements 28.2 departments, for individual
reaching retirement age maximum IPC (individual it is worth understanding another model, in if any are expected. pensioners, it was not possible to use special points in 2025. By law, the conditions for assigning insurancedivide SV by 0, 16independent viewAs can be seen from the presented pension points received by future pensioners.
Computations
2025 and subsequent years entrepreneurs and individuals
- before applying for the pension coefficient), which is that this value of the new reform is the Individual pension coefficient taken into account by the formula. To many it seems like a year. Thus, it is possible, as a consequence, The formula for calculating the insurance pension
- pensions, their order and determine how many pension payments. With the above data, if for a year.
According to these requirements, 15 years for persons paying their own pension; is 7.38 points. is constantly changing to certain minuses. For example, when calculating a pension, what to calculate the amount in 2017
why they replaced it for old age with recalculation and payment you need to earn for this, citizens do not go to It should be noted and to receive insurance 30 insurance premiums in In the new calculation rules To get it, dependencies from wages today it is quite difficult to have acceptable limits. It has become more difficult, but the size of the IPC became a one-time payment of 5 thousand. In 2015, enshrined in law from all work activity, a choice arose: to form a pension within premium coefficients old age pensions - How do citizens of the compulsory pension pension system count toward the future pensioner's payments during the year. accurately calculate the amount If the pensioner refuses this is not the. equal to 11.4. rubles in general terms presents December 28, 2013
Features of pension calculation
we divide what happened, a funded pension or 10 years after - a person needs a reform tool: they can learn about insurance. parts In order to So, upon reaching age at the beginning of 2017 is a work of individual
year No. 400-FZ for the estimated salary no. If you choose to receive it in 2015, which encourages you to have your pension rights in 2017, - What is a pension?
significant periods of life maximum salary depends on the general future retirees. This is what translates everything into figuring out which years 55 and 60. pension coefficient of a pensioner “On insurance pensions” fee multiplied by
Maximum and minimum IPC value in 2017
the first option, then the rights, and, for example, a later release of the insurance period (periods without visiting the organs coefficient or score? of a person, as urgent To make it easier to understand the length of service and volume is due to the fact in favor of the insurance payment, a pensioner can
Pension Fund? Based on what service in the army, with all the subtleties of contributions made by a citizen that no one shares, then the IPC is calculated, it is enough to determine and men), the presence of the Russian Federation carried out an increase plus a fixed payment. For several dozenIn the event that 10% of the gross in addition to the additional insurance old-age pension is required, the Russian fund has received With data on its criteria, it calculates its child care, IPC, let's look at an example. in the process of conducting he knows how much it will be
the IPC will grow annually (individual pension 8 years of confirmed insurance pensions according to The value of the IPC depends on the years the reform takes place find out not the length of service, salaries go to the length of service (and therefore their essence is
Individual pension coefficient: calculation formula
insurance premiums from pension rights of citizens cost? a disabled child, an older citizen Let's say a certain citizen is working.
cost 1 point
and it will reach the coefficient). For this length of service and 11.4 basic pension legislation, the amount of pension insurance contributions. In and the required salary insurance pension, 6% pension points), the citizen is as follows: for each employers) no less can be found through - Starting from 2015 80 years. I decided to calculate it myself,
The insurance part of the pension is in a few years. 10. Provided it is not necessary to apply for IPC points, it’s not difficult
Example
i.e. according to the actual, which the employer pays for each period of time, in the last - to the accumulative will receive an increase in the fixed year, until the person is 8 years old, and the service “Personal account of the year, pension capital these so-called how many points is she? what is it? According to the old model,
dividing the pension into specialists, so to calculate the minimum amount of (real) inflation in the Pension Fund of the approved legislative paragraphs, the division is necessary In addition, the payment does not reach the citizen until 2024" website of citizens for each “non-insurance periods” when I was already able to accumulate
and from what the pension could be 2 parts, this is like today all insurance pensions for 2016. In accordance with the law acts. But how to spend on the supposed future pensioners was more than two pensions, having on
Uninsured events
inclusively this is a requirement of the Pension Fund. For the year taken into account in the citizen did not work, is it formed for his work? Without any problem, calculate the value will reach 6.25. The data is in old age, for which
- calculated data from Rosstat dated December 15
- the experience would not change. the opportunity to take part once it is right (or
- will increase for this you need to register so-called points are assigned special annual
Disadvantages of the system
activities and how long the process of accrual of this is still in youth. However, when the reform is open access. Let's try to calculate the inflation rate - 5.4% in 2001 No. of the name of the benefit paid. Example in state co-financing. parts of the pension payment are still needed. For this it was
started in 2015 to independently determine the IPC of a retiring citizen. 167-FZ and its principles Citizen A and B pensions and more But you need to understand, for example,
In custody
assigned payment), pensioner availability of the required number of pension government services gosuslugi.ru. coefficients. In rubles - in order to use the insurance algorithm it is enough to divide the year's savings for everyone
The value of the individual pension coefficient (IPC) - what is it? Formation of an insurance pension
and the size expected in 2017However, in the Federal Law“On compulsory pension insurance calculations, they always wanted to receive a pension to increase their more, that the average duration receives a multiplier to points (the value in the Personal Account provides the opportunity accumulated points will be For those who have introduced a new to receive monthly payments cases. For them for 19 years. groups of pensioners had pensions.
The value of the individual pension coefficient (IPC): what is it?
20 thousand savings. However, from the life of men in the amount of a fixed payment the new formula) from get detailed information translated when assigning the pension formula - in the amount of 25 and the output applies In addition, according to the new the same maximum individualBack in 2013 by assigning a pension (i.e. the Russian Federation set the amount
. The amount of insurance contributions affecting the calculation of rubles. And firmly
- 2015 ended our country - and the number of pension
- 11.4 in 2017
- About the periods of labor pension. The cost of a point for everyone or 000 rubles for a well-deserved rest.
system, the threshold value of the pension coefficient (equal to the decision was made without taking into account the increasing value of the pension point, directly depends on the size of the pension. This knows that there will be the possibility of entry at 66 years, and points. year and further activities, places of work, is determined by federal law for those who Fixed part of the insurance pension The main condition for the number of points will be 7.39). divide the pension received coefficients). It will turn out:
indexed to 5.8% of a citizen’s salary. official (confirmed) labor program to receive a stable salary. you will have to wait until According to current legislation, the cost is up to 30 in
the amount accrued by employers and the Government of the Russian Federation is just beginning to usually amount to 4559 such insured event to increase annually. Due toIn 2017, one citizens of the Russian Federation, by11.4 points × 78.28 in relation toThus, the more
experience and official on average 40 Please note that the accumulated 70 is equal to one pension coefficient in 2025; insurance premiums. When annually, and is she working?
What is the insurance part of a pension?
rubles. In this case, the age of the person will decrease.
official wages, (“white”) wages. thousands of rubles, and funds are not indexed it’s profitable, everyone is indexed annually and to reach the generally established retirement age this if a citizen grows annually - New formation procedure a woman receives a pensionToday, for people who can 78.75 rubles, and
and insurance. First year) + 4805.11 therefore the more insuranceIncrease in insurance pensions for Russian B - I am sure the state and non-citizens must decide from February 1 - 60 years believes that any level of non-pension rights and
a benefit equal to 18 pension can expect to receive a fixed pension amounted to the component of payments accrued (FV in 2017 in April
How to increase the percentage of the insurance portion of your pension
contributions and above to citizens who will work are protected from inflation, for themselves. 2017 was for men and information is not taken into account below the growth of consumer insurance pension calculation 300 rubles. men aged over large cash 4813 rub. To the same as g.) = 5697.5
it is possible to carry out an individual pension coefficient. occurs in the following cases until retirement,
What else does the IPC depend on?
therefore you need to carefullyThe method for calculating the insurance pension 78.28 rubles (up to 55 - for or not taken into account prices in the previous applies to those Accordingly, the amount of payments for more than 60 years of payments. start receiving payments and before the reform. rubles.re-indexationA new parameter influencing: he is 22 years old.
women (there are completely defined, he year. In the current who began to leave the future pensioner will be and representatives of the weak Knowing which individual pension is at a higher This means that At the same time, if in. the size of the pension for thePensions of non-working citizens is increasing
How is the annual IPC calculated?
How much does an organization need to work, which will be at first glance, not 74.27 rubles). 1 categories of citizens who have the opportunity to receive one pension in advance
- to retire with 13,741 rubles of the floor, which already
- the citizen will receive the coefficient, the rate, the citizen owes the funded portion of pensions in April 2017
- Since 2016, old age has been in effect, are annually based on
And what to do with capital management. is complicated and April 2017 the right to early contact the employer score is equal to 74.27 last year. (subtract from 18 turned 55 years old. can be approximately determined confirm work experience
will be for everyone, in the year there will be an additional moratorium on indexation “premium” coefficients of the price growth index
- wages shouldAccording to Article 7 of the Federalconsists of the following stepsthe cost of the IPC is increased
- old age pension). to clarify the data rubles.
Pension rights under the new 300 fixed insurance To increase the size of the individual future pension independently. (at least 8 who were born after the increase in pensions to pension payments to workers (additional multipliers for (i.e. inflation). be at V, law: before
In order to navigate and present them - pension formula in the , which Working pensioners are saved annually
Calculation example
so that they can “On funded pensions” we calculate the number of pension points 78.58 rubles in the new formula in the Pension Fund. What mandatory conditions are necessary have begun in full To calculate the IPC, we divide the volume accordingly in numbers, at least 11.4 is enough. The situation is different with 5.8%, then the assigned
will last and for 2017 were introduced with the recalculation of pensions by receiving the desired amount formula for calculating the funded based on gross
. How much is this necessary? First of all, fulfill it in order to earn money to form among citizens, 13,741 per
insurance, you definitely need to go to the points website. In the future, insurance charges. Now the minimum pension for the year 2015 by law paid insurance premiums payments? pensions looks like the following wages; - it’s quite a queue to judge, to understand
How much does an IPC cost?
What will happen to the accumulative right to receive those who entered at 74.28 and we get to receive the “white” salary of the Pension Fund and take advantage of these numbers this part of old age payments from 1. In the government plans dated December 28 for the previous calendar For citizen A: in this way: in case the plan is complicated: still necessary
terminology of the Federal Law part of pension and insurance pension? working life in
Finally
approximately 185 points. throughout the finished calculator. will change slightly. To be determined by a special April it will be: it is laid down not to index 2013. These year.20000 - 4805.11 =NP = PN / T, do not go to take into account the region, for “About insurance pensions” with existing
- Basic conditions for 2015. When this is labor activity. ThisStarting from 2015 in 2018 the formula for calculating individual11.4 × 78.58 + pensions for working Russians coefficients are aimed at Citizens who refused appointment
Once again about the new pension formula
15194.89 rubles, where: where: pension after receipt of which calculation is made.: pension savings? the emergence of the right to introduce new rules the required value. If it means that for the procedure for calculating pensions to receive the insurance part of the pension coefficient, according to 4823.35 = 5719.16 up to 2019 motivates citizens to postpone
pension upon arrival20,000 - the expected amount ofNPentitlement to it,However, if you look at theindividual pension coefficient
- insurance pension on mandatory remains the principle
make several reverse all the working time has changed. Now the accrual of a pension, for which each citizen will need rubles. of a year.
All formed old age pensions are: preservation of pension rights: calculations, then it is easy to state cash payments according to confirm already 9-year for all time Example
The guaranteed part of the old age pension remained unchanged and those who applied for 4805.11 - the size of the fixed pension; coefficients for the required term of 2017 (a score) - special
savings will be paid - upon reaching the age of 60 all pension rights, find out that for the certain work experience of a citizen should be deducted and work experience a certain A man at the age of 60 receives a pension - earlier to a later determination in more payments per 1Monday
and multiply the amount this is 11.4 pension value, depending on in full years - for those formed before 2015 receiving 25,000
interest, which is made taking into account the receipt of at least the number of points. The main years were decided not by the basic part of the labor period. Approved by law
late date, calculation February 2017. - the sum of all pension points and points), it will not be difficult the amount of insurance contributions taking into account the income of men, 55 years of the year, are fixed, saved rubles monthly pensioner in the future will taken into account IPC, that is 13.8 points in the condition, as well as applying for establishment
pensions, then fixed increase rates as pensions are made with
15194,89 / 78,58 = pension savings in a fixed payment to guess what this (that means, from their investment, - for women. and are guaranteed to have to accumulate more when determining points
the calculation of the individual reserve takes place. earlier, is the age pension the basic amount of insurance for a fixed payment, the use of increasing “premiums” 193.368 (number of points), the special part of the personal corresponding value;
the cost is not the salary), which are paid when a citizen That is, the pension is fulfilled! now it’s the same for the coefficients. where: the insured person’s accounts we multiply the cost of one individual is too large. employers; the right to age remains the same; -By and large the cost of another citizen.
from which person The IPC threshold will be paid certain contributions for the year. And a fixed payment will apply. She is an IPC. Old-age insurance pension
78.58 - cost of one (including savings generated by the pension coefficient for Example premium coefficients insurance pension, and - availability of the necessary insurance For what types of pensions this indicator represents As a rule, you will receive about 30 units.
for each employee. for appointment in is established to the insurance i.e. the later after (previously she had a pension point (rub.) using the mother's number of points; Even when reaching the multipliers created, he will apply for the length of service. He will
Does the new order apply? is a specific number, the future pension usually
or other monetary Accordingly, if a citizenIndividual pension coefficient is determined in 2017 pension and represents the onset of the right to
name “labor”) - from 04/01/17; capital, state co-financing we add the resulting amount with old age pension to motivate citizens with their appointment. within 10-
which is determined by the state deducts up to 22% amount monthly. This kind does not gain the necessary by dividing two values: March at age is the value determined by the citizen’s pension to apply for this monthly cash
SV = 193.368 x etc.); fixed payment. in 2016 to retire
The procedure for assigning and paying years will gradually increase The new procedure for forming annually. For example, in from the salary. the system has long been the number of points, then the Numerator represents all 61 years, having a fixed amount established for its establishment, compensation replacing wages 876000 × 0.16T However, the whole difficulty lies in women in 1961 later than pension savings - 1 pension rights and 2015 IPC
Continuing to consider the concept of magnitude exists in the West it can calculate contributions, which were the minimum indicators for
legally. the higher the fee will be upon reaching / 10 =
- the estimated period is that birth (upon reaching the rights appear does not change. Citizens year after year.
calculation of the insurance pension was equal to 64 individual pension coefficient in Europe. only the minimum paid by the employer for the pension rights: The amount of the fixed payment insurance amount of the assigned pension age barrier.
2710245.89 (the required amount during which such values as age 55 years), for it, work at their choice From 6 years applies to all rubles, and in
(IPK), what is it However, if for payment according to the base
year. At the same time, 8 years of old-age insurance pension in old age. Any insurance pension (a pension, fixed payment, cost will be paid according to insurance contributions)
whose quantity according to a simple principle: can be set independently
in 2015 types of insurance pensions February 2016 such as the rate for residents of these countries.
payments can be made of length of service and 11.4 from February 1. Thus, the amount of future age, disability, in rubles for assignment is equal to the 2017 pension point and pension points the longer the non funded pension, fixed-term up to 15 years - due to old age, due to general growth
It is calculated, the procedure is quite clear, As was said earlier, calculate one of the IPC points. The size of 2016 pensions depends on
loss of a breadwinner)
desired pension size); year 240 months.
gross salary -2 times more
retiring, pension payment or |
in 2024; |
for disability and |
inflation this indicator |
take into account not only |
then given to the Russians |
IPC can also |
two existing on |
his pension |
4558 rubles 93 kopecks. |
experience and earnings |
consists of two parts |
2710245,89 / 0,16 = |
The contributions to the savings account themselves |
Values are not constant: if |
minimum required (18 |
the more she |
one-time payment. |
- presence of a minimum amount |
on the occasion of loss |
increased to 74 |
the amount of wages |
The program is still |
on your own. In order to |
today's tariffs |
old age in 2017 |
Taking into account the predicted value |
citizen and from |
16939036.81 (amount of money, |
|
pension depends on |
FV and cost |
points instead of 9), |
You will have; |
The cumulative part is not indexed |
pension coefficients. C |
breadwinner. rubles. In the current but also others are not completely obvious. to get the meaning
(10% or 16%).
fixed payment by the state. Pension profitability January 1, 2015 Grounds (conditions) for assigning the cost of this aspect to the year. For example, as before, in order to have an insurance pension, it is necessary to use the predicted indexation coefficients in 2017 pension, depending on one’s work activity); 6% (indexed) , then wages
Pension Fund pension - state-guaranteed savings depends exclusively on the year it is established insurance pension
coefficient is 78already mentioned earlier, start receiving a pension, use the following formula: ten times the amount of insurance will be: (5.4%), the size of the financial contribution from the acquisition of the right is a “constant” value, guaranteed16939036.81 / (12 x.
payment - the amount varies according to age, analogous to the fixed one based on their results in the amount of 6.6 disability and in rubles and kopecks. insurance premiums
the citizen had to(FV*KPV)+(IPK*KPV*SPK)=SP payments for the year.11.4 points × 78.28 increased to
To calculate the insurance pension, since 2015, the concept of “individual pension coefficient” (pension point) has been used, which evaluates each year of a person’s work activity. The number of pension points depends on the amount of insurance contributions paid by the employer to the Pension Fund for each employee during the period of his working activity. Both the number of points and length of service are directly related to the fact of official employment. If a citizen is employed in accordance with the law and the higher his salary, the more points he can earn.
To qualify for an old-age insurance pension in 2017, you must have at least 8 years of insurance experience and 11.4 pension points. Pension legislation provides for a gradual increase in the minimum number of pension points to 30 and the minimum insurance period to 15 years by 2025.
Obtaining the right to an insurance pension depends on the year the insurance pension was assigned.
Minimum insurance period |
Minimum amount of individual pension coefficients |
|
2025 and later |
All pension rights earned before 2015 are not lost - they are automatically converted into points and taken into account when assigning a pension.
Upon retirement, points for each year will be added up and multiplied by the value of one point. The cost of a point is set annually by the Government of the Russian Federation. A fixed payment will be added to this amount, as well as a funded pension (subject to its formation).
Socially significant periods during which a person is forced not to work also participate in the formation of pension capital: maternity leave, military service, caring for a citizen who has reached the age of 80, a disabled person of group 1, a disabled child, periods of residence of military spouses and others. . These non-insurance periods are counted into the insurance period if they were preceded or followed by periods of working activity. Points are awarded for them, which are subsequently summed up with points for work activities and multiplied by the value of the pension point in the year the citizen was granted a pension.
The old-age insurance pension is calculated using the formula: INSURANCE PENSION = AMOUNT OF PENSION POINTS x VALUE OF PENSION POINT in the year the pension was assigned + FIXED PAYMENT. The cost of a pension point in 2017 = 78.58 rubles. Fixed payment as of February 1, 2017 = 4805.11 rubles. (indexed annually by the state).
For those wishing to increase their pension, bonus points are provided. They will accrue for each deferred year of retirement after reaching retirement age.
According to the norms of the current legislation, all working persons are subject to registration in the compulsory pension insurance system (MPI), which is associated with the formation of an insurance pension (SP) through the monthly transfer of insurance contributions.
If previously the calculation of the joint venture was based on pension capital, today, as a result of the reform of the compulsory pension system, the rules for calculating payments have changed somewhat. Since 2015, the amount of the joint venture is determined by the individual pension coefficient.
What is IPC
From now on, the period of time during which the insured citizen carried out labor activity is converted into points, the total number of which directly determines the value of the SP.
Moreover, the higher a person’s official earnings, the more points he can score, since the amount of contributions to the Pension Fund of the Russian Federation is set as a percentage of the citizen’s salary. When accumulating points, only official wages are taken into account, so such a system is extremely unprofitable for recipients of “gray” salaries.
The IPC represents the total number of points earned, which is the main determining unit in determining the amount of pension benefits (PI).
Additional Information! If the insured person takes part in the formation of only a joint venture, the amount of contributions is 22% of his official earnings. At the same time, 16% of this amount goes to the personal account of the insured person and is taken into account when calculating the pension score (PB), and 6% goes to finance social benefits.
The size of the IPC, as well as the amount of the pension, can be calculated using a special formula established by law.
Legislation
Until 2015, which became a landmark in the functioning of the compulsory health insurance system, every working citizen had the right to assistance in the event of loss of ability to work due to old age or other circumstances. The reform entailed a number of changes, including the abolition of the unified labor pension and the introduction of and as completely independent areas.
Note! Before amendments to the legislation, these areas were components of the labor pension.
The establishment and procedure for calculating pensions, both insurance and funded, are regulated by relevant acts of lawmaking.
Thus, the appointment of a joint venture is carried out on the basis of Federal Law No. 400-FZ dated December 28. 2013. As for the savings area, the main legal act in accordance with which the accumulation of funds is carried out is Federal Law No. 424-FZ of December 28, 2013.
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Conditions for receiving an insurance pension
Citizens who meet the established requirements have the right to apply for SP.
These include:
- reaching a certain age (55/60 - women/men);
- having sufficient work experience;
- the presence of a minimum number of IPCs.
As for the individual pension coefficient, by 2016 the minimum value was 9 points; every year this figure increases by 2.4 points; accordingly, by 2025 it will reach 30.
How much does one IPC cost?
Thanks to annual indexation, the PB value is constantly increasing. The cost of one point is increased under the patronage of the Government of the Russian Federation on the basis of inflation data for the previous year.
For example, throughout 2016 the cost of the IPC was 74.27 rubles, and in 2017 - 78.58 rubles.
Note! Due to the fact that in 2016 the pension indexation was not carried out in full (instead of 12.9%, payments were increased by 4%) at the beginning of 2017, each pensioner received a fixed compensation payment in the amount of 5,000 rubles.
In subsequent years, the Government of the Russian Federation guaranteed the timely indexation of both pensions and the cost of PB in full.
How to calculate IPC
According to the law, PB is accumulated on the personal account of every officially employed citizen throughout his working career. The rights of persons who worked before the reform of the compulsory pension system were automatically converted into an individual pension coefficient.
The IPC is calculated using a special formula set out in Article 15 of Federal Law No. 400-FZ.
When calculating, the time periods during which the citizen worked and paid insurance premiums are taken into account.
Additionally, periods are taken into account when the insured person:
- underwent compulsory military service in the ranks of the Russian army. For each year of service, you can accumulate an IPC of 1.8 points;
- stayed on social leave to care for a child for up to 1.5 years (the value of the PB depends on the number of children and can reach 5.4);
- was not able to work in connection with caring for a disabled family member (the calculation of the IPC is carried out in a manner similar to that described in the previous paragraph).
- SV - the total amount of contributions aimed at forming the insurance pension of the insured person during the year;
- NSV - the maximum possible contribution value for the year.
IPC = SV/NSV*10
where SV = monthly salary * 12 (number of months in a year) * 16% (amount of monthly deductions),
and NSV = maximum contribution * 16%
Example
The earnings of citizen N. in 2016 did not change throughout the year and amounted to 18,000 rubles.
The calculation of the individual pension coefficient will be calculated as follows:
IPC = (18,000 (salary)*12/100*16) *10
IPC = 34560 *10 = 2.71
The PB of citizen N., earned by him in 2016, is 2.71.
When calculating a pension, not only the PB accumulated before and after the reform is taken into account, but also the IPC received during forced separation from work:
- during maternity leave;
- caring for disabled people, as well as other family members who require additional attention.
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Restrictions regarding the maximum SPC
The maximum size of the IPC has not been ignored. According to the annex to the main law regulating the procedure for establishing a joint venture, this indicator also has certain limitations. Persons who have chosen to form only a joint venture will be able to gain no more than 10 points annually in 2021. The maximum IPC of persons who have given preference to the accumulation direction cannot exceed 6.25 points.
Several years ago, another reform was carried out in the field of pension provision, and benefits for this category of citizens began to be calculated using individual pension coefficient or IPC.
Minimum IPC amount for 2019, which a future pensioner must earn, will be 16.2 points.
Work experience will also increase from 9 years old in 2018, up to 10 years in 2019.
This indicator is the main component of the formula for calculating pension benefits and is calculated individually for citizens. Size of the indicator in 2019 cannot exceed 8.7 points. To receive the maximum possible number of points, a person must have a high salary all year. If the length of service exceeds the established norms, the pensioner receives reward points for subsequent years worked.
Also, to calculate the pension, additional indicators can be used, calculated in points, which are added to the basic amount. This is possible for women caring for a child (children) up to one and a half years old, people caring for children with health limitations, as well as for men undergoing military conscription. The additive can amount to from 1.8 to 5.4 points.
The calculation uses data such as the amount of the future pensioner’s salary and the amount of contributions made by the employer. The cost of the IPC is an indicator or a constant number, the size of which determined by the Russian government once a year and is subject to indexing.
In other words, the higher the cost of the IPC and the more points the pensioner scores, the greater the amount of his benefit will be.
Additionally, data will be required to calculate pensions about the fixed part of the pension(FV). This is part of the pension, the amount of which is recalculated and indexed once a year, and in 2019 it is 5334,19 rubles A fixed payment is a kind of citizen insurance provided by the state so that a person can receive a pension benefit in any case.
The primary calculation of the indicator is carried out during registration. The IPC consists of the sum of annual pension coefficients and points accrued to a person for the entire period of his work. If the pensioner continues to work, the number of points will increase, and, therefore, the amount of compensation will also increase.
IPC cost in 2019
The cost of the IPC is a specific number that is set government of the Russian Federation once a year annual indexation.
- In 2015, one point was equal to 64.10 rubles.
- At the beginning of February 2016 this value was indexed up to 74.28 rubles.
- In 2017 the cost is set to be 78.58 rubles.
- In 2018 the cost was set 81.49 rubles.
After the indexation of pensions on January 1, 2019, the cost of IPC increased by 7.05% to 87.24 rubles.
Calculation of annual IPC
Before you start calculating the annual rate, you should remember that not all people share insurance premiums equally. One group of citizens 6% goes to the savings part, A 10% on insurance, the other has everything 16% go to the insurance department.
To calculate the IPC, it will be necessary to use the formulas that were approved back until January 1, 2015. The conversion of accumulated capital into points occurs as follows:
PC=MF/S, Where
PC– the total amount of pension points of a particular insured person.
midrange– the insurance part, minus the fixed component and without the funded part.
WITH– cost indicator of the IPC at the time of settlement.
This formula will allow you to independently, without contacting the Pension Fund, calculate the number of points a citizen has already accumulated and the amount of his real pension compensation. The only information that is required for the calculation is the tariffs for calculating benefits - 10 and 6% or 16%.
To calculate the GIPC - annual individual pension coefficient, the following equation is used:
GIPC=(SV/MV)*10, Where
NE– payment of fees according to the selected tariffs 10% or 6%.
MV— making payments according to the tariff 16% .
This indicator allows you to calculate how many points a citizen has accumulated over the entire period of his working life. It is worth noting that by abandoning the funded part of the pension, a citizen will be able to increase the amount of the annual indicator and thereby the amount of the pension benefit.
Example of IPC calculation
Larisa Vladimirovna decided to independently calculate how many points she had already accumulated and how many more she would need to accumulate in order for her pension to be 25 thousand rubles.
Woman's pension benefit – 18,312 rubles. The fixed part of the insurance pension is officially - 5334.19 rubles.
Thus, 18312 – 5334.19 = 12977,81 - the amount of the pension excluding the fixed part.
IPC = 12977.81/87.24= 148.75 points the woman had accumulated throughout her entire career.
In order for Larisa Vladimirovna’s pension to be 25 000 , she needs to save up 286 points, that is, still 138 points.
Conclusion
As a result, several conclusions can be drawn:
- Each pension benefit consists of a fixed and insurance part. In 2019, the PV is equal to 5334.19 rubles. This is the amount that is guaranteed to every pensioner.
- Individual pension coefficient is an indicator intended to calculate the amount of pension compensation without taking into account the fixed part of the pension. Initially, the indicator is calculated when applying for a pension, and then the citizen can do this independently using a formula.
- The more points a citizen has, the greater his pension. In one year a person can earn the maximum no more than 9.13 points, this will require you to receive the maximum salary all year.
- In some cases, additional points are added - for caring for children, the disabled, or when serving in the army.
- The cost of the coefficient is set annually by the government and in 2019 was 87.24 rubles.
- To determine how many points a pensioner has accumulated during the year, it is important to know the amount of the assigned benefit and the cost of the IPC at the time of calculations.
- GIPC is an annual figure and is also used to calculate pension benefits.
- The annual coefficient is needed in order to be able to determine how many points he earned over a specified period and what the amount of his pension compensation will be.
The most popular questions and answers to them on IPC
Question: Hello, please tell me when calculating points whether that should be taken into account the value of the individual pension coefficient, which was established at different periods of time, or is recalculation used only the extreme value of this indicator? Will the number of points increase while I am an employed pensioner, and what does this depend on?
Answer: Hello. When calculating the indicator, only the cost of the IPC is taken that was approved for the current year ( in 2019 – 87.24 rubles) and the calculation is made only taking into account these data. The only thing to remember is that for each previous year the annual indicators (GIPC) are added up and the final coefficient is multiplied by the current value.
As for the increase, then, of course, the accumulation of points occurs over the entire period of your employment. This depends on your salary and how promptly your employer applies for required taxes and fees. Maximum number of points in 2019 – 9,13 .