Legal analysis: the balance of personal account in social security card is the social security amount (including deposit interest) deducted from salary. Overall account refers to social overall planning, that is, social insurance fund. The social security paid by the unit enters the social pooling and is not in the personal account. If you retire, this part is calculated and paid together. If you don't retire and surrender, you can only take the part paid by individuals.

Legal basis: Article 2 of the Social Insurance Law of People's Republic of China (PRC) The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to get material help from the state and society according to law in case of old age, illness, industrial injury, unemployment and maternity.