7月开始，多地发布了社保缴费基数调整通知，有的上调、有的暂缓调整，灵活就业人员、职工、个体户都要注意！https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n这篇笔记帮你一次性搞定?https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?️01 多地调整社保缴费基数！你所在城市变了吗？https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?内蒙古呼和浩特https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n2024年全区月平均工资为8179元https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费基数下限：6543元（8179×80%）https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费基数上限：24537元（8179×300%）https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?河北张家口https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n年平均工资为75060元https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n实际工资低于平均工资的，按平均工资缴费https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n灵活就业人员同样按此标准核定https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?河北石家庄https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n暂不调整最低缴费基数https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n仍按2021年数据：71463元/年https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n✅建议：关注本地医保局/税务局官网，或登录社保平台查看缴费基数变化https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?02 社保多交 or 少交，对养老金有多大影响？https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n养老金=月基础养老金 + 月个人账户养老金https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?计算公式如下：https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n基础养老金 =（全省职工平均工资 + 个人指数化工资）÷2 × 缴费年限 × 1%https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n个人账户养老金 = 个人账户余额 ÷ 计发月数https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n（60岁退休为139个月）https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?交得多、交得久，养老金自然就高！https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?03 月薪5000元，缴满20年，能领多少养老金？https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?以青岛为例，2023年平均工资为7910元https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n▶️案例1：43岁开始交社保，交满20年https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n月薪5000元https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n假设工资增长率和利率为3%https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n退休后每月可领约 3794元https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n▶️案例2：24岁开始交社保，缴满40年https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n同样月薪5000元https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n退休后每月可领约 7000+元https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?结论：早缴+长缴+持续缴，养老金更可观！https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n❗04 离职/断缴社保怎么办？https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n别慌，社保断缴≠清零，缴费年限是累计计算！https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n但要注意：https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n断缴会影响医保待遇连续性https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n会影响养老金水平https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n社保断缴期间，账户不再记账利息https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?05 没交满15年社保，怎么办？5种补救方式来了！https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n1️⃣ 按年补缴https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n距离退休不到3年可补缴https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n需缴滞纳金https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n2️⃣ 延迟退休https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n最多延迟5年https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n继续缴纳社保，争取满15年https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n3️⃣ 一次性补缴（仅限特殊人群）https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n如知青、老国企职工等，具体看当地政策https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n4️⃣ 转为居民社保https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n适合灵活就业者https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费低，但养老金相对少https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n5️⃣ 退保取现（不建议）https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n无法享受医保+养老金https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n只适合短期离境等特殊情况https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?结语：这3句话请一定记住！https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n1️⃣ 社保缴费基数变动=养老金变动https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n2️⃣ 早缴、长缴、持续缴=养老金更高https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n3️⃣ 断缴≠清零，但影响待遇https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n?评论区聊聊：你所在城市社保基数变了吗？#社保 #社保基数 #五险一金 #社保缴费基数
