[{"data":1,"prerenderedAt":640},["ShallowReactive",2],{"article-/articles/yanchi-tuixiu":3},{"id":4,"title":5,"body":6,"category":630,"date":631,"description":632,"extension":633,"lastReviewed":631,"meta":634,"navigation":635,"path":636,"seo":637,"stem":638,"__hash__":639},"articles/articles/yanchi-tuixiu.md","延迟退休如何影响你的养老金？多缴多少、多领多少",{"type":7,"value":8,"toc":610},"minimark",[9,17,20,23,27,30,97,103,113,122,124,128,131,136,140,151,154,172,175,181,192,241,243,247,250,255,266,271,277,283,288,293,299,305,308,315,318,332,337,342,344,348,354,357,384,387,392,415,420,428,430,433,437,444,447,450,454,457,461,464,466,470,477,521,527,529,532,537,544,549,556,561,564,575,580,583,591,593,596],[10,11,12,13],"p",{},"2025年1月1日起，渐进式延迟退休正式实施。很多人第一反应是\"要多干几年\"，但更值得关注的问题是：",[14,15,16],"strong",{},"多干这几年，退休后每月能多领多少钱？",[10,18,19],{},"本文用具体数字告诉你答案。",[21,22],"hr",{},[24,25,26],"h2",{"id":26},"延迟退休政策一览",[10,28,29],{},"根据全国人大常委会2024年9月通过的决定，用15年时间（2025—2039年）渐进式延迟退休：",[31,32,33,52],"table",{},[34,35,36],"thead",{},[37,38,39,43,46,49],"tr",{},[40,41,42],"th",{},"人员类别",[40,44,45],{},"原退休年龄",[40,47,48],{},"改革后退休年龄",[40,50,51],{},"受影响出生月",[53,54,55,70,84],"tbody",{},[37,56,57,61,64,67],{},[58,59,60],"td",{},"男职工",[58,62,63],{},"60 岁",[58,65,66],{},"63 岁",[58,68,69],{},"1965年1月起",[37,71,72,75,78,81],{},[58,73,74],{},"女职工（管理/技术）",[58,76,77],{},"55 岁",[58,79,80],{},"58 岁",[58,82,83],{},"1970年1月起",[37,85,86,89,92,94],{},[58,87,88],{},"女职工（工人）",[58,90,91],{},"50 岁",[58,93,77],{},[58,95,96],{},"1975年1月起",[10,98,99,102],{},[14,100,101],{},"渐进方式","：",[104,105,106,110],"ul",{},[107,108,109],"li",{},"男职工和女管理/技术岗：每4个出生月延迟1个退休月",[107,111,112],{},"女工人：每2个出生月延迟1个退休月",[10,114,115,116,121],{},"用我们的",[117,118,120],"a",{"href":119},"/tools/tuixiu","延迟退休年龄计算器","可以一键查询自己的具体退休时间。",[21,123],{},[24,125,127],{"id":126},"养老金是怎么计算的","养老金是怎么计算的？",[10,129,130],{},"理解延迟退休的影响，先要明白养老金的计算公式。",[10,132,133],{},[14,134,135],{},"城镇职工基本养老金 = 基础养老金 + 个人账户养老金",[137,138,139],"h3",{"id":139},"基础养老金",[141,142,147],"pre",{"className":143,"code":145,"language":146},[144],"language-text","基础养老金 = 退休时当地上年度在岗职工月均工资 × (1 + 本人平均缴费指数) ÷ 2 × 缴费年限 × 1%\n","text",[148,149,145],"code",{"__ignoreMap":150},"",[10,152,153],{},"其中：",[104,155,156,166],{},[107,157,158,161,162,165],{},[14,159,160],{},"缴费年限","：每多缴1年，基础养老金增加约 ",[14,163,164],{},"0.8%~1%","（以当地月均工资为基准）",[107,167,168,171],{},[14,169,170],{},"缴费指数","：你的缴费基数 ÷ 当地平均工资（基数越高，指数越高）",[137,173,174],{"id":174},"个人账户养老金",[141,176,179],{"className":177,"code":178,"language":146},[144],"个人账户养老金 = 个人账户余额 ÷ 计发月数\n",[148,180,178],{"__ignoreMap":150},[104,182,183,186],{},[107,184,185],{},"个人账户余额 = 历年缴费中个人部分（8%）的本息累计",[107,187,188,191],{},[14,189,190],{},"计发月数","：退休年龄越大，计发月数越小，每月领取额越多",[31,193,194,203],{},[34,195,196],{},[37,197,198,201],{},[40,199,200],{},"退休年龄",[40,202,190],{},[53,204,205,212,219,226,233],{},[37,206,207,209],{},[58,208,91],{},[58,210,211],{},"195 个月",[37,213,214,216],{},[58,215,77],{},[58,217,218],{},"170 个月",[37,220,221,223],{},[58,222,63],{},[58,224,225],{},"139 个月",[37,227,228,230],{},[58,229,66],{},[58,231,232],{},"125 个月",[37,234,235,238],{},[58,236,237],{},"65 岁",[58,239,240],{},"101 个月",[21,242],{},[24,244,246],{"id":245},"多缴1年能多领多少","多缴1年，能多领多少？",[10,248,249],{},"用一个具体案例来说明：",[10,251,252,102],{},[14,253,254],{},"假设条件",[104,256,257,260,263],{},[107,258,259],{},"退休时当地月均工资：8,000 元",[107,261,262],{},"个人月缴费基数：8,000 元（缴费指数 = 1.0）",[107,264,265],{},"已累计缴费 30 年，考虑额外多缴 1 年",[10,267,268],{},[14,269,270],{},"第一部分：基础养老金增量",[10,272,273,274],{},"原30年：基础养老金 = 8,000 × (1 + 1.0) ÷ 2 × 30 × 1% = ",[14,275,276],{},"2,400 元/月",[10,278,279,280],{},"多缴1年后（31年）：基础养老金 = 8,000 × (1 + 1.0) ÷ 2 × 31 × 1% = ",[14,281,282],{},"2,480 元/月",[10,284,285],{},[14,286,287],{},"基础养老金增加 80 元/月",[10,289,290],{},[14,291,292],{},"第二部分：个人账户养老金增量",[10,294,295,296],{},"多缴1年的个人账户新增金额 = 8,000 × 8% × 12 = ",[14,297,298],{},"7,680 元",[10,300,301,302],{},"60岁退休时个人账户养老金 = 7,680 ÷ 139 = ",[14,303,304],{},"55.3 元/月",[10,306,307],{},"但退休年龄延迟到63岁，计发月数从139降到125：",[10,309,310,311,314],{},"如果原来60岁退休，个人账户养老金假设为 ",[14,312,313],{},"1,000 元/月","（账户余额 139,000 元）",[10,316,317],{},"延迟3年到63岁退休：",[104,319,320,323,326],{},[107,321,322],{},"账户余额增加 = 7,680 × 3 = 23,040 元（另有利息）",[107,324,325],{},"新余额约 = 162,000 元",[107,327,328,329],{},"新个人账户养老金 = 162,000 ÷ 125 = ",[14,330,331],{},"1,296 元/月",[10,333,334],{},[14,335,336],{},"个人账户养老金增加 296 元/月",[10,338,339],{},[14,340,341],{},"综合结果：延迟3年退休，每月多领约 376 元",[21,343],{},[24,345,347],{"id":346},"多领多少年才能回本","多领多少年才能\"回本\"？",[10,349,350,351],{},"这是很多人最关心的问题：",[14,352,353],{},"延迟退休少领了几年，多领的钱什么时候能补回来？",[10,355,356],{},"继续用上面的例子：",[104,358,359,362,365,371,377],{},[107,360,361],{},"原60岁退休，每月领 3,400 元",[107,363,364],{},"延迟到63岁退休，每月领 3,776 元（约增加11%）",[107,366,367,368],{},"延迟3年期间少领的总金额 = 3,400 × 36 = ",[14,369,370],{},"122,400 元",[107,372,373,374],{},"每月多领 376 元，回本所需月数 = 122,400 ÷ 376 ≈ ",[14,375,376],{},"325 个月（约27年）",[107,378,379,380,383],{},"也就是说，需要活到 ",[14,381,382],{},"90岁"," 才能\"回本\"",[10,385,386],{},"但这个计算忽略了几个重要因素：",[10,388,389,102],{},[14,390,391],{},"对延迟退休有利的因素",[104,393,394,401,408],{},[107,395,396,397,400],{},"养老金",[14,398,399],{},"每年都在上调","（2015年以来每年调整1次），基数高收益大",[107,402,403,404,407],{},"个人账户的",[14,405,406],{},"利息收益","（国家统一公布的记账利率，近年约6%~8%）",[107,409,410,411,414],{},"延迟退休期间继续参保，",[14,412,413],{},"继续享受单位缴纳的那部分","（相当于额外补贴）",[10,416,417,102],{},[14,418,419],{},"对延迟退休不利的因素",[104,421,422,425],{},[107,423,424],{},"延迟退休期间，你的精力和健康可能下降",[107,426,427],{},"如果寿命较短，确实领得少",[21,429],{},[24,431,432],{"id":432},"不同人群的实际影响",[137,434,436],{"id":435},"体制内机关事业单位","体制内（机关事业单位）",[10,438,439,440,443],{},"养老金计算稍有不同，但延迟退休对",[14,441,442],{},"职业年金","影响更大——多缴几年，职业年金账户余额显著增加。",[137,445,446],{"id":446},"高收入群体",[10,448,449],{},"高工资对应高缴费基数，多缴1年的绝对增量更大。但也受到缴费基数3倍上限的约束（超过3倍按3倍计算）。",[137,451,453],{"id":452},"低收入群体按最低基数缴纳","低收入群体（按最低基数缴纳）",[10,455,456],{},"增量绝对值小，但延迟退休同样意味着更长时间依赖劳动收入，对体力劳动者影响较大。",[137,458,460],{"id":459},"个体工商户灵活就业人员","个体工商户/灵活就业人员",[10,462,463],{},"以个人身份缴纳养老保险的人，延迟退休改革同样适用（按对应的出生年月计算新退休年龄）。",[21,465],{},[24,467,469],{"id":468},"特殊情况能否提前退休","特殊情况：能否提前退休？",[10,471,472,473,476],{},"延迟退休政策下，以下情形",[14,474,475],{},"仍可提前退休","（相对于新法定年龄）：",[31,478,479,489],{},[34,480,481],{},[37,482,483,486],{},[40,484,485],{},"情形",[40,487,488],{},"提前退休规则",[53,490,491,501,511],{},[37,492,493,498],{},[58,494,495],{},[14,496,497],{},"高危工种/特殊工种",[58,499,500],{},"经认定，可提前5年退休（如矿工、高温作业等）",[37,502,503,508],{},[58,504,505],{},[14,506,507],{},"完全丧失劳动能力",[58,509,510],{},"无论年龄，可申请病退，领取残疾退休金",[37,512,513,518],{},[58,514,515],{},[14,516,517],{},"失业人员（距退休不足5年）",[58,519,520],{},"可申请提前领取失业金至正常退休",[522,523,524],"blockquote",{},[10,525,526],{},"注意：高危工种的认定需要有劳动部门批准的名录，且单位须依规为其缴纳特殊工种保险。",[21,528],{},[24,530,531],{"id":531},"常见问题",[10,533,534],{},[14,535,536],{},"Q：我已经快60岁了，还会被延迟吗？",[10,538,539,540,543],{},"看你的出生月：男职工出生于1965年1月及以后才受影响，1964年12月及之前出生的维持60岁退休不变。可用",[117,541,542],{"href":119},"退休年龄计算器","查询。",[10,545,546],{},[14,547,548],{},"Q：女性如何区分\"管理岗\"和\"工人岗\"？",[10,550,551,552,555],{},"以",[14,553,554],{},"劳动合同约定的岗位性质","和实际社保缴纳记录为准。管理、技术、专业人员一般认定为原55岁退休；操作工、服务员等认定为原50岁退休。如有争议，由单位与个人协商，可向社保局确认。",[10,557,558],{},[14,559,560],{},"Q：个人账户可以一次性提取吗？",[10,562,563],{},"正常退休后不能一次性提取，必须按月领取。以下情形可一次性提取个人账户余额：",[104,565,566,569,572],{},[107,567,568],{},"出国（境）定居",[107,570,571],{},"死亡（由继承人继承）",[107,573,574],{},"经鉴定完全丧失劳动能力且不符合按月领取条件",[10,576,577],{},[14,578,579],{},"Q：养老金会不会发不出来？",[10,581,582],{},"国家养老金由各省市统筹管理，近年来持续推进全国统筹，资金调剂能力增强。按现行精算，养老金可支付至2035-2050年区间，之后需要政策调整。个人能控制的选项是：",[104,584,585,588],{},[107,586,587],{},"延长缴费年限（多缴多得）",[107,589,590],{},"提高缴费基数（在经济允许范围内）",[21,592],{},[24,594,595],{"id":595},"法律依据",[104,597,598,601,604,607],{},[107,599,600],{},"全国人民代表大会常务委员会《关于实施渐进式延迟法定退休年龄的决定》（2024年9月）",[107,602,603],{},"《社会保险法》第15条 —— 基本养老金计算",[107,605,606],{},"人力资源和社会保障部《关于渐进式延迟法定退休年龄实施办法》（2024年）",[107,608,609],{},"《国务院关于工人退休、退职的暂行办法》（特殊工种提前退休相关规定）",{"title":150,"searchDepth":611,"depth":611,"links":612},2,[613,614,619,620,621,627,628,629],{"id":26,"depth":611,"text":26},{"id":126,"depth":611,"text":127,"children":615},[616,618],{"id":139,"depth":617,"text":139},3,{"id":174,"depth":617,"text":174},{"id":245,"depth":611,"text":246},{"id":346,"depth":611,"text":347},{"id":432,"depth":611,"text":432,"children":622},[623,624,625,626],{"id":435,"depth":617,"text":436},{"id":446,"depth":617,"text":446},{"id":452,"depth":617,"text":453},{"id":459,"depth":617,"text":460},{"id":468,"depth":611,"text":469},{"id":531,"depth":611,"text":531},{"id":595,"depth":611,"text":595},"社保","2026-03-27","2025年渐进式延迟退休政策正式实施，本文解析延迟退休对养老金计算的实际影响：多缴1年能多领多少钱，以及提前退休的利弊权衡。","md",{},true,"/articles/yanchi-tuixiu",{"title":5,"description":632},"articles/yanchi-tuixiu","exEI6CkR8pszPjUmU_c6dwIckgGMuGiJEI7JlhDofX0",1776399351781]