Generally, farmers in rural areas can't save enough pension money for themselves, because the income from working in rural areas is not high, so they can save enough pension money for themselves. 1. How to pay rural pensions? 1. Irregular payment: due to unstable income in most areas, they pay more in good years, pay less in poor years, and postpone payment in disaster years; 2. One-time payment: most of the rural areas are old farmers, and they can pay the insurance premium in full at one time according to their own endowment insurance level until they are 6 years old; 3. Regular payment: it is adopted in areas and people with relatively stable or relatively rich incomes. For example, township enterprises can pay premiums monthly and quarterly, and farmers in rich areas can pay premiums semi-annually or annually. Second, how much does rural old-age insurance pay each year? The amount of rural old-age insurance payment is divided into 13 grades from 1 yuan to 4, yuan. Choose the payment grade of 1 yuan, and subsidize 45 yuan every year; Choose the payment grade of 2 yuan, and subsidize 5 yuan each year; Choose the payment grade of 3 yuan, and subsidize 55 yuan each year; Choose the payment grade of 4 yuan, and subsidize 6 yuan each year; Choose the payment grade of 5 yuan, and subsidize 7 yuan per person every year. Choose the payment grade of 7 yuan, and subsidize 75 yuan each year; Choose to pay the grade of 1 yuan, 15 yuan, 2 yuan in any file, each person subsidizes 85 yuan every year; Choose any one of the payment grades of 25 yuan, 3 yuan, 35 yuan and 4 yuan, and subsidize 9 yuan every year. The rural endowment insurance fund consists of individual contributions, collective subsidies and subsidies.