irement planning is an important part of everyone's life, and understanding how your pension is calculated can help you better plan for the future. 💼

The formula for calculating individual account pensions mainly involves several key factors: the total amount stored in the personal account, the monthly average wage of employees in the previous year, and the person's retirement age. 📊

For example, if the total amount in your personal account is 100,000 yuan (¥), and the average monthly wage of employees last year was 5,000 yuan (¥), then your monthly pension will be calculated based on these figures. Typically, the earlier you retire, the lower your monthly pension will be, as the distribution period is shorter. ⏰

Understanding this formula can help you better prepare for retirement and ensure financial security in your golden years. 💰老龄化社会的到来更需要我们提前规划，为自己和家人创造一个无忧的未来！🌟