Legal analysis: rural old-age insurance can receive 238 yuan per month if it is paid to 1 yuan every year for 15 years to 6 years old.

The algorithm is calculated according to the annual 1 yuan of individual payment grade, which is 15, yuan if it is paid for 15 years, plus the government subsidy to 3 yuan for 15 years is 45 yuan, plus the interest is about 5,52 yuan (the interest is calculated according to the current one-year bank interest rate, and this year's interest rate is 3%). The sum of the three items is the total amount of personal account storage, and then divided by 139, which is equal to 18 yuan. This 18 yuan is the monthly personal account pension, and the basic pension is the monthly 55 yuan, which is the pension that the insured finally receives of 238 yuan.

Legal basis: Social Insurance Law of the People's Republic of China

Article 11 The basic old-age insurance shall combine social pooling with individual accounts.

The basic old-age insurance fund consists of contributions from employers and individuals and government subsidies.

article 12 an employer shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state and record it in the basic old-age insurance pooling fund.

employees should pay the basic old-age insurance premium according to the proportion of their salary stipulated by the state and record it in their personal accounts.

individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual account respectively.

article 13 before employees of state-owned enterprises and institutions participate in the basic old-age insurance, the basic old-age insurance premiums that should be paid during the period of deemed payment shall be borne by the government.

when the basic old-age insurance fund is under-paid, the government gives subsidies.