Which grade of social security payment is the most cost-effective, depends on the actual situation. On the whole, it is more reasonable to choose the payment grade according to the individual's economic ability. Judging from the speed of returning to the capital, it is the most cost-effective to pay the lowest level of social security, and the time to return to the capital is the fastest. However, the pension received is the least. If the salary of the insured is relatively low, it is more appropriate to choose the lowest grade. Judging from the amount of pension received, paying high-level social security is the most cost-effective. The higher the grade, the more pensions you receive. If the insured has a good economy, try to choose high-grade payment.

At present, the lowest grade is 60%, the middle grade is 80%, the highest grade is 100%, 150% and 200%, and the highest grade is 300%. As long as people who participate in social security pay social security fees according to the payment base and the payment grade.

Generally speaking, the social security payment base of employees is based on their salary income in the previous year. If the individual wage income of employees is higher than 300% of the local average wage of employees in the previous year, the social security payment base is 300% of the local average wage of employees in the previous year. If the individual wage income of employees is lower than 60% of the local average wage of employees in the previous year, the social security payment base is 60% of the local average wage of employees in the previous year.