An example of calculating the pension IT-person from Moscow

Today I suddenly wanted to know what retirement I would get if I retired in this year 2019. Before retirement, I am still 25-30 years old, but I still wonder how much pension I have accumulated over 15 years of work in IT (of which I have been working in Moscow for 12 years).



Went to public services, received an extract. On discharge from me:

IPK (individual pension ratio) - 67,169
PN (the amount of insurance contributions to finance the funded pension) - 145375,57 rubles.
')
Insurance part of the pension = IPK * SIPK + FV
SIPK (cost of 1 IPK ratio) now, in 2019 is 87.24 rubles
FV (fixed payment) now, in 2019 is 5334.19 rubles
Total I have an insurance part = 67.169 * 87.24 + 5334.19 = 11,194 rubles

Accumulative part of pension = PN / T
PN (total amount of funds on the pension savings account)
T (the number of months of the expected payment period) is now in 2019 - 252
Total I have the funded part = 145375,57 / 252 = 576.88 rubles

Those. my pension will be 11,770 rubles - which is an order of magnitude less than my salary for the last few years ... It is clear that in 25-30 years of work, the pension will grow 2-3 times more, but still this amount may not be enough even for renting an apartment in Moscow .

So you need to think now about additional sources of passive income.