Legal analysis: 1. According to the current policy, the accumulated contributions of endowment insurance reach 15 years, and those who reach retirement age can receive pension benefits. The calculation basis of pension is the average social wage of employees in the province (municipality directly under the Central Government) where they retire, the accumulated payment years, the payment base over the years, and the accumulated amount of individual accounts. As these indicators are unknown, there is no way to measure them. Only by providing these indicators can we calculate accurately. Therefore, you can only know how much money to take when you retire. Everyone's insurance situation is different, and everyone's retirement salary is different. 2. Employee retirement pension consists of two parts: pension = basic pension+personal account pension. 3. Personal account pension = personal account storage amount ÷ calculated months (50 years old 195, 55 years old 170, 60 years old 139, no longer unified 120) Basic pension = (average monthly salary of employees in the whole province last year+average monthly salary of myself)

Legal basis: People's Republic of China (PRC) Labor Law.

Article 70 The state develops social insurance undertakings and establishes social insurance systems and social insurance funds, so that workers can get help and compensation in old age, illness, work injury, unemployment and childbirth.

Article 73 Laborers shall enjoy social insurance benefits according to law under the following circumstances: 1. Retire; 2. Diseases and injuries; 3. Work-related disability or occupational disease; 4. Unemployment; 5. Fertility.

People's Republic of China (PRC) social insurance law

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premium should be paid by the government during the payment period. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.

Fifteenth basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.