Upon reaching the appropriate age, becoming disabled and in other cases established by law, a citizen receives a certain remuneration from insurance, pension and other funds. In other words, retirement.
Are there any calculation errors?
Pensioners and the disabled belong to socially vulnerable categories of the population. The social security of such persons is guaranteed by the state. Recalculation and revision of pensions is a frequent phenomenon, while no one is immune from incorrect accrual.
Basically, such errors are associated with the human factor, but this is not the only reason. There may also be failures in the operation of the software with which the calculations are made. That is why the question arises as to whether it is possible to check the correctness of the calculation of the pension.
The pension that Russians receive after the recent reform consists of two parts: insurance and funded. Since this system is relatively new, not all of its features are clear, so sometimes there are doubts about the correctness of its calculation.
If a pensioner is not sure that the amount of his pension payments is determined correctly, he has the opportunity to demand adjustments if errors are found.
Where to check
First of all, you should figure out where to check the correctness of calculating the pension. If a pensioner has any doubts about whether he receives the correctly calculated amount, he will have to apply directly to the Pension Fund of Russia. The application should indicate a request to re-verify the correctness of the calculations of the amount of pension payments and submit it to the PFR branch, in accordance with the pensioner's registration address.
Within five days from the date when the application was accepted, where a citizen asks to check the correctness of calculating the old-age pension, PFR employees are obliged to clarify whether the pension is correctly calculated and notify the applicant of the results of the check. If it turns out that the amount of payments was indeed calculated with errors, then, in accordance with applicable law, it will be adjusted automatically.
Brief instructions for verification
In addition to contacting the FIU, it is advisable to know how to check the correctness of calculating the pension yourself. To do this, you will need: a work book and a calculator, a certificate of the amount of monthly average earnings for 5 consecutive years, or for the period from the beginning to the end of the year.
Now it's time to do some math:
- First you need to find out the size of the seniority coefficient. 55% is taken as the basis. For women, such a coefficient is set for a length of service equal to twenty years, for men - for 25 years of work. Every year, if a person continues to work further, the seniority coefficient increases by 1% (but not more than 20%).
- The average income for one month is calculated. This can be done by dividing the amount of income for five consecutive years by the number of months in five years (sixty).
- Information will be required on the average monthly salary established in the Russian Federation for the period that was accepted in the calculations in paragraph 2.
- The average salary in the Russian Federation, which was calculated in the third quarter of 2001 and approved by the government of the country as the basis for calculating pension payments, is 1,671 rubles.
- The ratio of the number obtained in paragraph 2 to the figure in paragraph 3 is calculated. If we are not talking about residents of the Far North, then a ratio of 1.2 or less should be taken into account.
- The estimated amount of payments will be: the length of service coefficient (from paragraph 1) multiplied by the number from paragraph 5 and by 1,671 from paragraph 4.
- The pension capital is calculated. For this, the following actions are performed:
- 450 rubles must be subtracted from the value obtained in paragraph 6 (the basic part of the pension as of January 1, 2002);
- what happened is multiplied by the estimated period during which the payment of old-age benefits is planned (for example, from January 1, 2010 it will be 192 months).
- The amount obtained in paragraph 7 must be indexed by multiplying by a multiplying factor corresponding to the year. It can be clarified, including on electronic portals, which contain information on how to check the correctness of calculating the old-age pension.
- The part of the benefit, which is called the insurance part, will be equal to the result of dividing the pension capital by the indicative period during which the benefit will be paid.
- The result of dividing the total value of insurance premiums on the date of assignment of benefits for the same period that was used for the calculations in paragraph 9 is added.
- To the result obtained in paragraph 10, you need to add the amount of the basic payment from the insurance fund established by the government. This is the desired amount of pension.
By comparing the result of the calculations with the amount of the pension assigned in the Pension Fund, you can understand whether you should apply for recalculation. Having carefully studied the instructions on how to check the correctness of calculating the pension, you can independently find out if the PFR is right.
Payout by age
To understand how to check the correctness of calculating a pension, it is important to know about all the current changes in this matter. Thus, the year 2015 is notable for the fact that from this date it is planned to gradually increase the minimum value of the total length of service that will be required for calculating the retirement benefit by age. Previously, it was five years. Starting from the date of the introduction of the changes, over the next ten years, 1 will be added every year, and by 2025 the minimum to be worked out will be equal to fifteen years.
If the total number of years worked for calculating the old-age pension is not enough, then it is possible to apply for a social pension. Starting in 2025, it will have to be paid to women over 60 and men over 65.
Hazard pension: useful information
The category of harmful, according to statistics, includes almost 50% of all enterprises whose work is related to industry. Early completion of work and access to a well-deserved rest are a kind of compensation for people who are constantly exposed to risks. That is why the question of how to check the correctness of calculating the harmfulness pension is relevant.
But first of all, you should find out which conditions are considered harmful or dangerous:
- increased level of humidity;
- low degree of illumination;
- high degree of environmental pollution (gases, dust, etc.);
- increased noise level;
- labor obligations associated with the use of or being in close proximity to harmful or toxic substances (for example, in the chemical industry).
Before checking the correctness of calculating a pension, it is important to know some of its features. In order to retire ahead of schedule, the total experience of the fairer sex must be at least twenty years, of which at least 10 years the potential pensioner must be a worker in hazardous production. For men, the minimum total length of service is 25 years, of which work in conditions deemed harmful must be twelve and a half years or more.
At the same time, two lists of harmful professions are distinguished. For professions that can be found in list No. 1, the retirement age will come earlier by another five years.
List No. 1 is quite small, it includes people whose labor activity was directly related to underground work, work in hot shops or in production in harmful conditions.
List No. 2 is much broader, it includes: employees of educational and medical institutions, workers in the food and light industries, employed in mining and transport.
To apply for a harmfulness pension, it is enough to contact the PFR branch, which is located at the place of residence, with the following documents:
- the passport;
- a document confirming that the person worked in conditions giving the right to early exit for a well-deserved rest;
- salary statement;
- men will also need a military ID.
The basis for calculating pension payments will be: the amount of contributions to the Pension Fund and the length of service. The provision of additional benefits, as well as the lists of hazardous industries, are reviewed and supplemented regularly.
It is necessary to pay attention to the fact that the list of people eligible for early retirement now also includes people of art (for example, actors), as well as those who earned seniority at enterprises in the Far North.
A little about social benefits
To understand how to check the correctness of calculating the old-age pension, you should know that a pensioner can be credited with a social supplement from the federal or regional budget. 
For this, the following conditions must be met:
- pensioner should not work;
- the amount of the pension is less than the subsistence minimum established for the region where the pensioner lives.
At the same time, the amount of the additional payment and the actual pension is equal to the subsistence minimum.
If the latter in a certain region is higher than that established in general in the country, then a regional surcharge may be charged.
Instead of a conclusion
Pensioners are considered socially unprotected citizens. It can be difficult, and sometimes even impossible, to live on their income. That is why, in case of any doubts, you should contact where you can check the correctness of the calculation of the pension.
Good afternoon! I wanted to know if there is a fin-econ. examination on the calculation of pensions, or how to check the validity of the calculation of pensions ??? and where? If nothing is achieved from the PF, the calculations do not give, and even after filing an application with the court, the case "marks place" in one place))) The judge suggests making his own calculation and presenting the PF .... and where can it be done ???
Hello, in fact, you can contact a lawyer who specializes in pension law, he will make an independent calculation for you, which you can submit to the court. Otherwise, the court will refuse the requirements for recalculation, since it simply does not have anything to rely on, because, as I understand it, you did not submit your calculations. It is not clear what "do not give" means, file a petition in court to demand documents from the defendant. You need to present an independent calculation no longer in the Pension Fund of the Russian Federation, but in court. The judge will not make a calculation, and she should not do this, you should have attached evidence to the application substantiating the requirements for recalculation, otherwise the claim will simply be left without movement, and the Pension Fund of the Russian Federation must provide its calculation to confirm its position. The defendant must also submit the materials of the pension case to the court, and you can familiarize yourself with it. You could have done this earlier by writing a corresponding application to the Pension Fund of the Russian Federation, you were obliged to appoint a day and a place for familiarization, you can take pictures, so that later at home in a calm atmosphere you can familiarize yourself with it. Regarding the calculation, you should call the expert organizations in your city and find out which of them makes such a calculation. I will not name you the organizations, but they can be found, including in the search engine. All the best.
Reply date: 19-05-2016 22:25
Thank you very much for your reply. I clarify that the defendant does not provide the materials of the pension case, although we demanded them in the statement of claim, the judge says go to the PF and look at the case there, but in the PF they don’t give anything, they start to intimidate and be rude. Regarding photographing, in general, even out of the question can't, they're pennies. the case is not even given. At the moment, we have written a petition for the reclamation of some documents, we will submit it to the court, we'll see how they provide us. Anastasia Sergeevna You can’t advise a lawyer who specializes in pension law, I’m still worried about one question, could I have reduced the seniority coefficient from 75%, which was from 1995 to 69% since 2001, removing the years of study and processed harmfulness ??? Thank you.
St. Petersburg and Leningrad region
Hello, what do you mean it doesn't provide. In writing the request, in duplicate, on the receipt note remaining with you or by registered letter with notification. In the application, write like this: "I ask you to set a time to familiarize yourself with the materials of the pension case using technical means." If they refuse, file a complaint with the Office of the Pension Fund of the Russian Federation, the prosecutor's office. But, if you have a court, file a petition within the court and be sure to indicate that they are refusing to familiarize yourself, unless, of course, the application was officially filed and there is evidence. Irina, I can advise you only as part of an online consultation, the case should be entrusted to a competent lawyer in your region specializing in pension law. It is difficult to talk about something without seeing the materials of the case, anything could happen, an error in the calculations, not taking into account some important circumstances. You, of course, before going to court, you had to get acquainted and entrust the calculation to an expert. At the moment, claim in court and ask to postpone the meeting for review, in court you can photograph the entire page without any problems and you can again turn to an expert. Only this, again, should not be a simple calculation, but certified by the signature of a specialist, the seal of the organization, ideally a truly expert institution. The judge will not consider anything, and should not, she will only evaluate the evidence presented, if you present a reliable calculation made by a specialist, and the Pension Fund of the Russian Federation refuses to provide anything, these are their problems, respectively, your calculation will be taken into account when making a decision.
Reply date: 14-07-2016 21:02
Thank you very much, everything is clear! Yes, on the note of the law, this is how it should be, but in reality it turns out differently. of course, now at the meeting I will file a petition for familiarization, since I did not write a statement, I only indicated that the Pence documents were required in the addenda, and the judge ordered the PF, but not in writing, to give ME the opportunity to familiarize myself with the personal Pence, the case, was even the date and time were set, but when I arrived, they explained to me that they now had no time and were rudely asked to leave, after such a turn, I no longer want to visit the PF))) then I wrote a letter to the PFRF, I received an answer that the letter sent to the PF at the place of residence on 17 sheets, what was in the letter I didn’t know, and when I got acquainted with my court case, there was a “supposedly” answer from the PFRF, on 2 sheets without stamps and seals, it seems that they wrote it themselves))) I'm not even glad that I started suing this "system" of truth is very difficult to achieve. The Court and the Pension Fund are state organizations, and it is very difficult to fight them. Or you need a lot of money for all EXPERTISE and calculations, or a lot of strength. But let's see how they behave further))) Once again, many thanks for the detailed explanation.
In calculating the old-age pension, the new calculation formula has been applied since 2015.
Let's analyze what factors affect the amount of insurance payments for pensioners in the Russian Federation.
How to find out the amount of your future pension
After the Soviet period, the pension legislation was reformed twice: in 2002, the pension right was converted into pension capital, and in 2015 - into pension points. What is the essence of the latest changes? From January 1, 2015, the insurance and funded parts of the pension acquired the character of independent pensions, this decision was made on the basis of Laws No. 400-FZ and 424-FZ of December 28, 2013.
What is the funded part of the pension? - This pension is valid only for pensioners younger than 1967 inclusive. Its calculation is carried out according to the old principle. The insurance part of the pension is calculated according to a new formula, which is based on pension points that are accumulated during work.
Formula for calculating the amount of the old-age pension:
ATP \u003d FV x PC1 + IPC x SPC x PC2
where ATP is the insurance part of the pension,
PV - the amount of a fixed payment,
PC1 - bonus factor, it increases the EF when retiring later than the due date
IPC - individual pension coefficient
SPC - the value of the pension coefficient at the time when the pension was issued
and PC2 is a bonus factor that increases the value of the IPC, it begins to be taken into account when a person who has reached retirement age continues to work.
We will understand the rules for calculating the old-age pension using the new formula. To do this, we need the main components of the pension: this is a fixed part of the pension (what used to be called the base part) and an individual IPC coefficient, and premium coefficients PC1 and PC2.
How to find out the fixed part of the insurance pension
The fixed part or payment to the insurance pension, indicated in the pension calculation formula as PV, is established in Article 16 of the Federal Law “On Insurance Pensions” No. 400-FZ of December 28, 2013. In 2018, this part of the pension is 4982.90 rubles. The fixed part of the pension is for each pensioner. PV can be indexed twice every year: on February 1 - taking into account inflation, and on April 1 - at the expense of previous PF income. The second is not mandatory, but possible, and is paid by decision of the Government of the Russian Federation.
In the new pension legislation, the periods for accruing pension points have been changed, and premium coefficients have been introduced that affect the increase in the fixed payment and IPC in cases of late retirement.
Fixed part of the insurance pension for various categories of citizens
| Categories of citizens eligible for an insurance pension | Number of persons dependent on the pensioner | Fixed payment (PV) in rubles |
| Persons without disabilities and not older than 80 years | - | 4 558,93 |
| 1 | 6 078,57 | |
| 2 | 7 598,23 | |
| 3 or more | 9 117,88 | |
| Disabled people of the 1st group and persons who have reached the age of 80 years | - | 9 117,87 |
| 1 | 10 637,52 | |
| 2 | 12 157,16 | |
| 3 or more | 13 676,81 | |
| Persons without disabilities, not older than 80 years of age, who have worked in the Far North for at least 15 years. Insurance experience of at least 20 years for women and 25 years for men | - | 6 838,40 |
| 1 | 9 117,87 | |
| 2 | 11 397,35 | |
| 3 or more | 13 676,82 | |
| Persons with a disability of group 1 or over 80 years of age. Worked in the Far North for at least 15 years. Insurance experience of at least 20 years for women and 25 years for men | - | 13 676,81 |
| 1 | 15 956,28 | |
| 2 | 18 235,74 | |
| 3 or more | 20 515,22 | |
| Persons without disabilities, not older than 80 years of age, who have worked in the Far North for at least 20 years and have insurance experience for women of at least 20 years and 25 years for men | - | 5 926,62 |
| 1 | 7 902,16 | |
| 2 | 9 877,70 | |
| 3 or more | 11 853,24 | |
| Persons with a disability of group 1 or over 80 years of age. Worked in the Far North for at least 20 years. Insurance experience of at least 20 years for women and 25 years for men | - | 13 676,81 |
| 1 | 13 828,78 | |
| 2 | 15 804,32 | |
| 3 or more | 17 779,36 | |
| Persons with more than 30 years of experience in agriculture, living in rural areas and not employed with compulsory pension insurance* | - | 4 918,75 |
| 1 | 6 230,42 | |
| 2 | 7 542,08 | |
| 3 or more | 8 853,75 |
The insurance pension is based on the Individual Pension Coefficient (IPC)
The IPC coefficient was introduced into pension calculation recently, but it is intended to be a key innovation in the pension calculation formula, which makes it possible to ensure a secure, decent old age. High IPC seriously affects the value of pension payments. The IPC is calculated as the sum of pension points or annual pension ratios (APCs) that are accrued annually for formal employment and the payment of insurance premiums by the employer.
To calculate the future pension, let's try to figure out how to calculate the amount of pension points, what they are awarded for, and, accordingly, what level of IPC a pensioner can reach by the time they reach retirement age.
What is the difference between the calculation of pensions in 2015-2018 compared to 2014
As we have already mentioned, in 2015 the methodology for calculating pensions has changed. Since 2015, the pension coefficient has been calculated using the formula GIC = SSP / SCMx10, where:
- APC - annual pension coefficient
- SSP - The amount of insurance pension contributions from a person's income for the whole year
- SSM - The amount of insurance premiums, equal to 16% of the maximum salary subject to contributions. This maximum salary is set by government decree every year.
- 10 - the maximum number of pension points for a given accounting year. At the same time, 10 points for the billing year will be available only from 2021. 10 points from 2021 will be available only to citizens who do not participate in the formation of their funded pension. For 2015, the maximum GPC was no higher than 83. GPC will gradually increase.
Maximum pension ratios by year of retirement
| Year of retirement by age limit | With contributions to the funded pension, the maximum IPC will be: | Without contributions to the funded pension, the maximum IPC will be: |
| 2015 | 4,62 | 7,39 |
| 2016 | 4,89 | 7,83 |
| 2017 | 5,16 | 8,26 |
| 2018 | 5,43 | 8,70 |
| 2019 | 5,71 | 9,13 |
| 2020 | 5,98 | 9,57 |
| 2021 and beyond | 6,25 | 10 |
When calculating the age limit pension, all pension points are added up for each year in which the employer paid insurance premiums for the employee in the OPF. In terms of pence. points are displayed by the IPC. It is calculated like this:
IPK = GPC2015 + GPC2016+…GPK2030
How to calculate individual pension coefficient
In the above formula, we saw that the annual pension coefficient (APC) is equal to the ratio of the amount of insurance pension contributions for the year to the maximum value of insurance contributions, multiplied by 10. The total amount of pension insurance contributions for the year is 22% of the annual salary.
- Of these 22%, six percent is transferred to the solidarity part of the pension fund. A fixed part of the insurance pension is formed from the solidary part.
- The remaining 16% go to the insurance pension (at the request of the future pensioner, 10% can be transferred to the insurance part, and 6% to the funded part of the pension).
Let's give an example of a CPC with a deduction of 16% of income for an insurance pension
Take for example the average monthly salary of 24,000 rubles. Then insurance contributions to the PF for the year will be equal to 24,000 x 12 months. x 16% = 46080 rubles.
In 2016, the maximum salary established by a government decree is 796,000 rubles. The amount of maximum insurance premiums with this maximum salary is 16%, that is, 127,360 rubles.
So, GIC= 46080/127360 x 10= 3,618
That is, the annual pension coefficient of this taxpayer will be equal to 3.618 pension points.
The second example: we calculate the GIC with a deduction of 10% of income for an insurance pension
For comparison, let's take the same salary level: 24,000 per month. The employer will deduct 10% of income for the insurance pension, and 6% for the funded one. Then the pension contributions to the insurance pension will be calculated according to the formula:
24000 x 12 x 10% = 28800 rubles.
GIC= 28800/127360 x 10 = 2,261
Thus, the annual pension coefficient, taking into account the transfer of 10% to the insurance part of the pension, will be 2.261 pension points.
Obviously, the formation of the funded part of the pension seriously reduces pension points, which greatly affect the resulting pension.
How to check the correctness of accrual of pension points
The calculation of the IPC includes not only pension points that are accrued for the payment of insurance premiums, but also the period in which pension contributions were not paid, namely:
1. Childcare leave until the age of 1.5 years (in general, no more than 6 years), including:
- for the first child, the GPC is 1.8 points;
- for the second GIC is 3.6 points;
- for the 3rd and fourth CPC is 5.4 points; __________________________________________ A woman can earn 24 retirement points.
2. During the period of caring for a disabled child, for a person over 80 years old or for a disabled person of group I, the GPC is calculated equal to 1.8 points
3. During the period of service in the army on conscription, the CPC is equal to 1.8 points
Retirement point value
The cost of one pension point is equal to: in 2016 = 74.27 rubles. in 2017 = 78.28 rubles. in 2018 = 81.49 rubles. This cost is indexed annually 2 times:
- On February 1, indexation for last year's inflation takes place.
- On April 1, indexation is calculated according to a complex formula, which includes the amount of insurance premiums and federal transfers received by the Pension Fund, that is, in fact, the income of the pension fund.
Increasing your pension with premium coefficients
The possibility of increasing the pension with the help of bonus coefficients has been introduced into the calculation of the pension, if a person decides to retire later than the established date of his own free will.
Upon reaching the retirement age, a person can continue to work, while the increase coefficient of both the fixed part of the insurance pension (PC1) and the coefficient of increase in the IPC (PC2) is introduced into his pension
These premium coefficients for the number of full months of deferral of pension receipt are presented in the table
| Number of months of deferral of pension receipt | IPC increase factor (PC2) | EF increase factor (PC1) |
| Less than 12 months | 1 | - |
| 24 months (2 years) | 1,07 | 1,056 |
| 36 months (3 years) | 1,15 | 1,12 |
| 48 months (4 years) | 1,24 | 1,19 |
| 60 months (5 years) | 1,34 | 1,27 |
| 72 months (6 years) | 1,45 | 1,36 |
| 84 months (7 years) | 1,74 | 1,58 |
| 96 months (8 years) | 1,9 | 1,73 |
| 108 months (9 years) | 2,09 | 1,9 |
| 120 or more (10 years or more) | 2,32 | 2,11 |
These coefficients strongly influence the final pension. So, with a voluntary deferment of receiving a pension of 10 years, the fixed part of the pension grows by 2.11 times, and the Individual Pension Coefficient increases by 2.32 times. The resulting insurance pension will increase by two and a half times compared to the original one.
How Old Pension Rights Are Converted to Points
Pension legislation since 2015 provides for a formula by which pension rights accumulated by a citizen before January 1, 2015 are converted into pension points. The formula for converting pension rights into pension points is as follows: PC=MF/SPK
where PC is the desired amount of pension points that was accumulated by a citizen before 1.01.15
SCH - the insurance part of the pension, excluding the basic and funded parts for the period of December 31, 2015.
SPC is the value of a pension point at the moment when a citizen exercises his right to a well-deserved pension.
If we calculate points for a person who retires this year, then the amount of points calculated by us using the formula will be his IPC (individual retirement coefficient. If the retirement period has not yet come up, then the amount received will be added to the IPC (annual pension coefficients) for all subsequent years, as a result, the sum of these points will give the resulting IPC.
Examples of how a pension is calculated
As we have already said, the pension is calculated according to the new formula
SPS = PV × PC1 + IPC × SPC × PC2
In addition, we have just learned how to calculate the components of this formula: IPC, EF and premium coefficients. Here are examples of calculating a future pension.
Example: Old-age pension, that is, upon reaching the age limit.
Citizen Sidorov knows that he can retire in 2017. In 2015, Sidorov's pension rights were converted into points and are now equal to 70 pension points. Three years before retirement, Sidorov will earn another 5 points. Sidorov paid his debt to the Motherland for 2 years by serving in the army, for each year of service another 1.8 points are awarded. Thus, adding up all the points, we get Sidorov's IPK by the time of retirement at 78.6 points. Taking as an assumption that the SPC in 2017 will be equal to 100 rubles, and the minimum amount of PV will be equal to 5000 rubles, taking into account the non-use of premium coefficients, we have a formula for calculating the pension of citizen Sidorov: SPS = PV + IPC × SPK
5000 + 78.6 × 100 = 12860 rubles
Example: Retirement later than retirement age
Citizen Feoktistova began working at the age of 17 in 2015. Twice she was on annual parental leave, over the years she received 1.8 pension points for the first child of the CPC, and 3.6 for the second. Only 5.4 points. The work of citizen Feoktistova continued without interruption until her retirement and another 5 years beyond her seniority. That is, the retirement age was reached at 55 in 2053, and she used her right to a pension only 5 years later in 2058. Feoktistova earned 341 pence over 41 years of work experience. point, and together with children's 346.4 points. We will proceed from the assumption that the FV in 2058, taking into account indexation, will be 18,000 rubles. The bonus coefficients for retirement 5 years later will be: for the IPC - 1.34, for the EF - 1.27. The cost of a pension point in 2058 will be taken equal to 580 rubles.
Then the pension of citizen Feoktistova can be calculated by the formula:
18000 × 1.27 + 346.4 × 580 rubles × 1.34 = 292,082.08 rubles.
Looks good, at least at today's price level. Of course, this is a very rough calculation with many assumptions.
How to find out the exact calculation of the pension? This can be done on the website of the Pension Fund of Russia. The personal account of the pension fund already contains all the data on your seniority, on the accumulated pension points and on the pension rights formed today. And most importantly, there is a pension calculator on the PFR website, with which you can calculate your pension by entering data about your current place of work, salary and other additional information.
Is the preferential pension saved now and how is it calculated
There is a preferential pension for workers in medicine, education and hazardous industries. How to calculate the pension for beneficiaries? The formula for calculating the preferential pension is the same, that is, the calculation is based on the sum of accumulated points introduced since 2015. Pension points are accumulated for contributions to the pension insurance fund for the year, they can be calculated using the formula
IPO / NGO x 10
IPO- individual pension contributions for the reporting year,
NGOs- normative annual pension contributions.
Conclusion: the pension calculation formula introduced in 2015 is transparent and obvious. Knowing the methodology for calculating pensions, you will be able to calculate the level of your pension with all the nuances. However, only the pension calculator on the PFR website will give the most accurate result.
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