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noworodka chłopca 73,6 lat |
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w polsce prze ostatnie 10 lat |
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Czyli tyle ile w usa w 1995 roku |
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zwiekszyło się przeciętne |
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Teraz (2011) w usa jest 76,6 lat |
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trwanie życia o |
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1,5 roku dla mężczyzny |
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60 Year Old Life Expectancy (usa) |
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1,4 roku dla kobiety |
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Mężczyzna 65 letni – 16,5 lat |
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Kobieta 60 letnia – 24,5 lata |
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i przez 10 lat wzrosło o 1,4 lat |
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w polsce prze ostatnie 20 lat |
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http://life-span.healthgrove.com/l/61/60 |
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zwiekszyło się przeciętne |
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trwanie życia o |
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3,2 roku dla mężczyzny |
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zał. pracujemy od 23 roku do osiagnięcia wieku emerytalnego |
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3,6 roku dla kobiety |
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czyli dla każego średnio o 1,5 roku na 10 lat |
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Wariant 1 przejśćie na emeryturę z trwaniem życia teraz: |
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Przeciętne dalsze trwanie życia |
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mężczyzna: |
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miesiące |
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Mężczyzna 65 letni – 14 lat |
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zarobek brutto |
składka |
miesięcy pracy |
nasza kwota |
trwanie życia |
nasza emerytura |
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Kobieta 60 letnia – 24 lata |
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2000 |
390 |
516 |
201240 |
168 |
1197.86 |
zł miesięcznie |
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59.89 |
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3000 |
586 |
516 |
302376 |
168 |
1799.86 |
zł miesięcznie |
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4000 |
780 |
516 |
402480 |
168 |
2395.71 |
zł miesięcznie |
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5000 |
976 |
516 |
503616 |
168 |
2997.71 |
zł miesięcznie |
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kobieta: |
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miesiące |
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zarobek brutto |
składka |
nasza kwota |
nasza kwota |
trwanie życia |
nasza emerytura |
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2000 |
390 |
456 |
177840 |
288 |
617.5 |
zł miesięcznie |
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30.88 |
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3000 |
586 |
456 |
267216 |
288 |
927.83 |
zł miesięcznie |
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4000 |
780 |
456 |
355680 |
288 |
1235 |
zł miesięcznie |
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5000 |
976 |
456 |
445056 |
288 |
1545.33 |
zł miesięcznie |
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Wariant 2 przejśćie na emeryturę z trwaniem życia za 20 lat: |
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Przeciętne dalsze trwanie życia |
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mężczyzna: |
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miesiące |
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Mężczyzna 65 letni – 17 lat |
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zarobek brutto |
składka |
miesięcy pracy |
nasza kwota |
trwanie życia |
nasza emerytura |
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Kobieta 60 letnia – 27 lata |
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2000 |
390 |
516 |
201240 |
204 |
986.47 |
zł miesięcznie |
|
49.32 |
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3000 |
586 |
516 |
302376 |
204 |
1482.24 |
zł miesięcznie |
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4000 |
780 |
516 |
402480 |
204 |
1972.94 |
zł miesięcznie |
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5000 |
976 |
516 |
503616 |
204 |
2468.71 |
zł miesięcznie |
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kobieta: |
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miesiące |
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|
zarobek brutto |
składka |
nasza kwota |
nasza kwota |
trwanie życia |
nasza emerytura |
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2000 |
390 |
456 |
177840 |
324 |
548.89 |
zł miesięcznie |
|
27.44 |
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|
3000 |
586 |
456 |
267216 |
324 |
824.74 |
zł miesięcznie |
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4000 |
780 |
456 |
355680 |
324 |
1097.78 |
zł miesięcznie |
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|
5000 |
976 |
456 |
445056 |
324 |
1373.63 |
zł miesięcznie |
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Wariant 3 przejśćie na emeryturę z trwaniem życia za 40 lat: |
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Przeciętne dalsze trwanie życia |
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|
mężczyzna: |
|
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|
miesiące |
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Mężczyzna 65 letni – 20 lat |
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|
zarobek brutto |
składka |
miesięcy pracy |
nasza kwota |
trwanie życia |
nasza emerytura |
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|
Kobieta 60 letnia – 30 lata |
|
|
2000 |
390 |
516 |
201240 |
240 |
838.5 |
zł miesięcznie |
|
41.93 |
|
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|
|
|
|
3000 |
586 |
516 |
302376 |
240 |
1259.9 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zamieniamy lata na miesiące |
|
|
4000 |
780 |
516 |
402480 |
240 |
1677 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5000 |
976 |
516 |
503616 |
240 |
2098.4 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7000 |
1365 |
516 |
704340 |
240 |
2934.75 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
kobieta: |
|
|
|
miesiące |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
zarobek brutto |
składka |
nasza kwota |
nasza kwota |
trwanie życia |
nasza emerytura |
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2000 |
390 |
456 |
177840 |
360 |
494 |
zł miesięcznie |
|
24.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3000 |
586 |
456 |
267216 |
360 |
742.27 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4000 |
780 |
456 |
355680 |
360 |
988 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5000 |
976 |
456 |
445056 |
360 |
1236.27 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
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|
|
mężczyzna: |
|
|
|
|
31 |
miesiące |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
zarobek brutto |
składka |
lata |
miesięcy pracy |
nasza kwota |
|
trwanie życia |
nasza emerytura |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2000 |
390 |
40 |
480 |
187200 |
18.65 |
223.8 |
836.46 |
zł miesięcznie |
|
41.82 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3000 |
586 |
|
480 |
281280 |
18.65 |
223.8 |
1256.84 |
zł miesięcznie |
|
41.89 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4240 |
826.8 |
|
480 |
396864 |
18.65 |
223.8 |
1773.3 |
zł miesięcznie |
|
41.82 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5000 |
976 |
|
480 |
468480 |
18.65 |
223.8 |
2093.3 |
zł miesięcznie |
|
41.87 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9000 |
1755 |
|
480 |
842400 |
18.65 |
223.8 |
3764.08 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
mężczyzna: |
|
|
|
|
31 |
miesiące |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
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|
|
|
|
|
|
|
zarobek brutto |
składka |
lata |
miesięcy pracy |
nasza kwota |
|
trwanie życia |
nasza emerytura |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2000 |
390 |
38 |
456 |
177840 |
18.65 |
223.8 |
794.64 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3000 |
586 |
|
456 |
267216 |
18.65 |
223.8 |
1193.99 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4000 |
780 |
|
456 |
355680 |
18.65 |
223.8 |
1589.28 |
zł miesięcznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
5000 |
976 |
|
456 |
445056 |
18.65 |
223.8 |
1988.63 |
zł miesięcznie |
|
39.77 |
|
|
|
|
|
|
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|
|
|
mężczyzna: |
|
5 |
|
|
31 |
miesiące |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
zarobek brutto |
składka |
lata |
miesięcy pracy |
nasza kwota |
5 |
trwanie życia |
nasza emerytura |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2000 |
390 |
36 |
432 |
168480 |
13.65 |
163.8 |
1028.57 |
zł miesięcznie |
|
51.43 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3000 |
586 |
|
432 |
253152 |
13.65 |
163.8 |
1545.49 |
zł miesięcznie |
|
51.52 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4000 |
780 |
|
432 |
336960 |
13.65 |
163.8 |
2057.14 |
zł miesięcznie |
|
51.43 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5000 |
976 |
|
432 |
421632 |
13.65 |
163.8 |
2574.07 |
zł miesięcznie |
|
51.48 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
uwzględniając średni wskaźnik waloryzacji z ostatnich kilku lat – 6,09% |
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
i średni wzrost średniej krajowej o 3,75% |
|
|
|
|
|
|
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|
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|
|
emerytura mężczyzny po przepracowaniu 40 lat wynosi 68% ostatniej pensji |
|
|
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|
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|
|
emerytura kobiety po przepracowaniu 35 lat wynosi 31 % ostatniej pensji |
|
|
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|
|
|
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|
|
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|
|
emerytura kobiety po przepracowaniu 35 lat wynosi 26% ostatniej pensji |
|
|
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|
szczegółowe obliczenia na dole po prawej stronie na samym końcu |
|
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|
|
|
|
|
emerytura AOW w holandii w 2015 roku wynisi |
|
|
1113 |
euro |
|
|
|
|
|
lat pracy |
|
|
|
zł/mc |
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
1113 |
60.00% |
667.8 |
|
|
3005.1 |
|
|
|
|
|
|
|
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|
|
|
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|
Zdobywanie lat do emerytury w praktyce (w przypadku Holendrów) wygląda następująco. |
|
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|
Od 15 roku życia, poprzez opłacanie składek ubezpieczeniowych osoba zdobywa co roku 2% kwoty swojej emerytury. |
|
|
|
|
|
|
|
|
|
kurs euro 4,5 |
|
|
|
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kurs funt 5,3 |
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emerytura niemcy |
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1 pkt= |
27 |
euro w 2015 roku |
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aby dostać1 pkt w ciągu roku należy zarobić |
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32446 |
euro w 2014 roku |
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9% pomniejszona |
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Od 2030 roku będzie mniejsza o około 9% |
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lat pracy |
Pkt |
wartość pkt |
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niemcy:minimlna płaca brutto 2015 – 1473 euro |
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1473 |
30 |
0.54 |
24.57 |
401.56 |
1807.01 |
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płąca w bmw -14 euro na godz = 2352 euro |
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2352 |
31 |
0.87 |
24.57 |
662.15 |
2979.68 |
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emerytura wielka brytania |
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funta |
lat pracy |
tygodniowo |
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STARE ZASADY: |
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4.45 |
30 |
133.5 |
578.5 |
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3066.05 |
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część państwowa (Basic State Pension) równa dla każdego od przepracowanych lat |
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Ile wynosi maksymalna Basic State Pension w 2016 roku? |
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- dla osoby samotnej maksymalnie 115,95 funtów tygodniowo, |
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Państwową emeryturę w Wielkiej Brytanii może pobierać każdy, który przepracował minimum 44 lat (mężczyzna urodzony przed 1945 rokiem) i odprowadzał składki na Ubezpieczenie Narodowe (National Insurance) |
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Np. jeśli zarabiasz od 149 do 797 funtów tygodniowo, to musisz odprowadzać 12% tych dochodów na składkę ubezpieczeniową. Jeśli zarabiasz więcej, płacisz tylko 2 procent. |
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Obecnie wiek emerytalny w Wielkiej Brytanii to 65 lat dla mężczyzn i 60 dla kobiet i ma wzrosnąć dla obydwu płci do 66 do 2020 r i do 67 do 2028 r. |
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State Pension (emerytura państwowa), min. 26,86 funta/tydzień, w roku 2012 wymogiem jest min. 11 lat pracy w przypadku mężczyzny (wypłacana od 65 roku życia )i 10 lat w przypadku kobiety (od 60 roku życia - od 2020 - kobiety będą przechodzić na emeryturę w wieku 65 lat) |
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2008-Żeby przepracowany rok został zaliczony do emerytury, musisz zarobić co najmniej 4264 funty, jeśli jesteś zatrudniony i 4345 funtów jeśli jesteś samozatrudniony. |
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NOWE ZASASDY od 6 kwietnia 2016roku |
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The full new State Pension is £155.65 per week. |
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You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. |
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You’ll need 35 qualifying years to get the full new State Pension. |
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Example |
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You have 20 qualifying years on your National Insurance record after 6 April 2016. |
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You multiply 20 qualifying years by £4.45 (£155.65 divided by 35). |
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Your new State Pension will be about £89 per week. |
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średnie wynagrodzednie polska |
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formel zur rentenberechnung online |
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niemcy |
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http://wynagrodzenia.pl/gus |
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Emerytury i Renty |
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AOW-bedragen |
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aktueller rentenwert |
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Bedragen vanaf 1 januari 2016 |
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Rentenpunkte 2016 |
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1,3 |
1,74 |
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polska |
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durchschnittsentgelt |
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2002 |
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holandia |
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25,31 |
28626 |
2,17 |
1,09 |
1,3 |
25,31 |
28626 |
1,74 |
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25,31 |
2002 |
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Wariant przejście na emeryturę z trwaniem życia za 30 lat: w 2048r |
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2003 |
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25,86 |
28938 |
1,04 |
0,42 |
1,3 |
25,64 |
29125,32 |
1,74 |
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25,75 |
2003 |
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Przeciętne dalsze trwanie życia |
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5.039969 |
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2004 |
|
1.45 |
|
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26,13 |
29060 |
0 |
0,49 |
1,3 |
25,97 |
29633,34 |
1,74 |
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26,2 |
2004 |
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Mężczyzna 65 letni – 20 lat |
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2007 |
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minimalna |
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2005 |
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26,13 |
29202 |
0 |
1 |
1,3 |
26,31 |
30150,23 |
1,74 |
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26,66 |
2005 |
|
3,75 |
|
Kobieta 60 letnia – 30 lata |
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6.09 |
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2008 |
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2006 |
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26,13 |
29494 |
0 |
1,55 |
1,3 |
26,65 |
30676,13 |
1,74 |
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27,12 |
2006 |
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http://zus.pl/default.asp?p=1&id=3416 |
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20.42 |
2009 |
675,1 |
675.1 |
675.1 |
5.04 |
2007 |
999,72 |
1.83 |
999.72 |
1.45 |
26,13 |
29951 |
0,54 |
2,25 |
1,3 |
27 |
31211,21 |
1,74 |
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27,6 |
2007 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Konto + waloryzacja |
100 |
|
|
|
|
|
|
20.68 |
2010 |
706,29 |
104.62 |
709.12 |
5,04 |
2008 |
1017,97 |
3.37 |
1014.23 |
1.45 |
26,27 |
30625 |
1,1 |
-0,39 |
1,3 |
27,35 |
31755,61 |
1,74 |
|
|
|
|
|
28,08 |
2008 |
3186 |
4,36 |
3186 |
3,75 |
|
|
|
|
|
|
622 |
7464 |
|
7464 |
116.26 |
116.26 |
16.26 |
6.09 |
|
|
|
20.94 |
2011 |
728,18 |
103.1 |
744.86 |
5,04 |
2009 |
1052,23 |
1.45 |
1028.95 |
1.45 |
26,56 |
30506 |
0 |
2,09 |
1,3 |
27,7 |
32309,52 |
1,74 |
|
|
|
|
|
28,57 |
2009 |
3325 |
3,31 |
3305,36 |
3,75 |
|
|
|
|
|
|
646 |
7752 |
|
15670.65 |
124.65 |
107.22 |
7.22 |
6.09 |
|
|
|
21.2 |
2012 |
799,18 |
109.75 |
782.41 |
5,04 |
2010 |
1067,47 |
1.17 |
1043.89 |
1.45 |
26,56 |
31144 |
2,41 |
3,07 |
1,3 |
28,06 |
32873,09 |
1,74 |
|
|
|
|
|
29,07 |
2010 |
3435 |
4,95 |
3429,2 |
3,75 |
|
|
|
|
|
|
670 |
8040 |
|
24665.19 |
129.62 |
103.98 |
3.98 |
6.09 |
|
|
|
21.46 |
2013 |
831,15 |
104 |
821.84 |
5,04 |
2011 |
1079,93 |
0.46 |
1059.04 |
1.45 |
27,2 |
32100 |
0,99 |
2,81 |
1,3 |
28,43 |
33446,48 |
1,74 |
|
|
|
|
|
29,57 |
2011 |
3605 |
3,41 |
3557,67 |
3,75 |
|
|
|
|
|
|
694 |
8328 |
|
34495.61 |
136.33 |
105.18 |
5.18 |
6.09 |
|
|
|
21.73 |
2014 |
844.45 |
101.6 |
863.26 |
5,04 |
2012 |
1084,86 |
0.2 |
1074.41 |
1.45 |
27,47 |
33002 |
2,18 |
1,99 |
1,3 |
28,8 |
34029,88 |
1,74 |
|
|
|
|
|
30,09 |
2012 |
3728 |
2,92 |
3690,96 |
3,75 |
|
|
|
|
|
|
720 |
8640 |
|
45236.82 |
142.71 |
104.68 |
4.68 |
6.09 |
|
|
|
22 |
2015 |
880,45 |
104.26 |
906.77 |
5,04 |
2013 |
1087 |
1.18 |
1090.01 |
1.45 |
28,07 |
33659 |
0,25 |
2,54 |
1,3 |
29,17 |
34623,46 |
1,74 |
|
|
|
|
|
30,61 |
2013 |
3837 |
3,73 |
3829,24 |
3,75 |
|
|
|
|
|
|
748 |
8976 |
|
56968.31 |
149.19 |
104.54 |
4.54 |
6.09 |
|
|
|
22.27 |
2016 |
882,56 |
100.24 |
952.47 |
5,04 |
2014 |
1099,84 |
1.06 |
1105.83 |
1.45 |
28,14 |
34514 |
1,67 |
2,46 |
1,3 |
29,55 |
35227,38 |
1,74 |
|
|
|
|
|
31,15 |
2014 |
3980 |
3,54 |
3972,71 |
3,75 |
|
|
1680 |
4,17 |
|
|
776 |
9312 |
|
69750.39 |
152.26 |
102.06 |
2.06 |
6.09 |
|
|
|
22.55 |
2017 |
1000 |
113.31 |
1000.47 |
5,04 |
2015 |
1111,55 |
2.39 |
1121.88 |
1.45 |
28,61 |
35363 |
2,1 |
2,56 |
1,3 |
29,94 |
35841,85 |
1,74 |
1,18 |
1,25 |
|
|
|
31,69 |
2015 |
4121 |
|
4121,54 |
3,75 |
880 |
0,21 |
1750 |
|
0,42 |
Konto + waloryzacja |
804,4 |
9652,8 |
|
83651.86 |
160.44 |
105.37 |
5.37 |
6.09 |
|
|
|
22.83 |
2018 |
|
|
1050.9 |
5,04 |
2016 |
1138,15 |
|
1138.16 |
1.45 |
29.21 |
36267 |
4,25 |
2,31 |
1,3 |
30,33 |
36467,03 |
1,74 |
31,69 |
|
28224 |
17400 |
527655,77 |
32,24 |
2016 |
|
|
4275,96 |
3,75 |
|
834,66 |
10015,92 |
|
|
10015,92 |
834,66 |
10015,92 |
|
98763.23 |
160.44 |
|
|
6.09 |
|
|
|
23.12 |
2019 |
|
|
1103.86 |
5,04 |
2017 |
|
|
1154.68 |
1.45 |
30.45 |
37103 |
2,17 |
|
1,3 |
30,72 |
37103,11 |
1,74 |
1,06 |
|
28716,3 |
17703,5 |
543836,65 |
32,81 |
2017 |
|
|
4436,16 |
3,75 |
|
865,93 |
10391,17 |
|
|
21017,18 |
865,93 |
10391,17 |
|
115170.31 |
|
|
|
6.09 |
|
|
|
23.41 |
2020 |
1117,19 |
|
1159.49 |
5,04 |
2018 |
|
|
1171.44 |
1.45 |
31,11 |
|
2,41 |
|
1,3 |
31,12 |
37750,29 |
1,74 |
|
|
29217,19 |
18012,3 |
560513,73 |
33,38 |
2018 |
|
|
4602,36 |
3,75 |
|
898,37 |
10780,47 |
|
|
33077,86 |
898,37 |
10780,47 |
|
132966.09 |
|
|
|
6.09 |
|
|
|
23.7 |
2021 |
1159,04 |
|
1217.93 |
5,04 |
2019 |
|
|
1188.45 |
1.45 |
31,86 |
|
|
|
1,3 |
31,52 |
38408,76 |
1,74 |
|
|
29726,82 |
18326,49 |
577702,23 |
33,96 |
2019 |
|
|
4774,78 |
3,75 |
|
932,03 |
11184,36 |
|
|
46277,08 |
932,03 |
11184,36 |
|
152249.75 |
|
|
|
6.09 |
|
|
|
23.99 |
2022 |
1202,46 |
|
1279.32 |
5,04 |
2020 |
|
|
1205.7 |
1.45 |
|
|
|
|
1,3 |
31,93 |
39078,71 |
1,74 |
|
|
30245,34 |
18646,15 |
595417,81 |
34,55 |
2020 |
|
|
4953,67 |
3,75 |
|
966,95 |
11603,38 |
|
|
60699,31 |
966,95 |
11603,38 |
|
173127.05 |
|
|
|
6.09 |
|
|
|
24.29 |
2023 |
1247,51 |
|
1343.79 |
5,04 |
2021 |
|
|
1223.2 |
1.45 |
|
|
|
|
1,3 |
32,35 |
39760,35 |
1,74 |
|
|
30772,9 |
18971,39 |
613676,66 |
35,15 |
2021 |
|
|
5139,26 |
3,75 |
|
1003,18 |
12038,1 |
|
|
76434,77 |
1003,18 |
12038,1 |
|
195710.75 |
|
|
|
6.09 |
|
|
|
24.6 |
2024 |
1294,25 |
|
1411.52 |
5,04 |
2022 |
|
|
1240.95 |
1.45 |
|
|
|
|
1,3 |
32,77 |
40453,88 |
1,74 |
|
|
31309,67 |
19302,3 |
632495,43 |
35,77 |
2022 |
|
|
5331,8 |
3,75 |
|
1040,76 |
12489,11 |
|
|
93579,71 |
1040,76 |
12489,11 |
|
220121.09 |
|
|
|
6.09 |
|
|
|
24.9 |
2025 |
1342,74 |
|
1482.66 |
5,04 |
2023 |
|
|
1258.96 |
1.45 |
|
|
|
|
1,3 |
33,19 |
41159,51 |
1,74 |
|
|
31855,79 |
19638,99 |
651891,29 |
36,39 |
2023 |
|
|
5531,56 |
3,75 |
|
1079,75 |
12957,02 |
|
|
112236,9 |
1079,75 |
12957,02 |
|
246486.24 |
|
|
|
6.09 |
|
|
|
25.21 |
2026 |
1393,05 |
|
1557.39 |
5,04 |
2024 |
|
|
1277.24 |
1.45 |
|
|
|
|
1,3 |
33,63 |
41877,44 |
1,74 |
|
|
32411,44 |
19981,54 |
671881,93 |
37,03 |
2024 |
|
|
5738,8 |
3,75 |
|
1120,2 |
13442,45 |
|
|
132515,98 |
1120,2 |
13442,45 |
|
274942.78 |
|
|
|
6.09 |
|
|
|
25.53 |
2027 |
1445,24 |
|
1635.88 |
5,04 |
2025 |
|
|
1295.78 |
1.45 |
|
|
|
|
1,3 |
34,06 |
42607,9 |
1,74 |
|
|
32976,79 |
20330,08 |
692485,59 |
37,67 |
2025 |
|
|
5953,8 |
3,75 |
|
1162,17 |
13946,07 |
|
|
154533,93 |
1162,17 |
13946,07 |
|
305636.3 |
|
|
|
6.09 |
|
|
|
25.85 |
2028 |
1499,38 |
|
1718.32 |
5,04 |
2026 |
|
|
1314.58 |
1.45 |
|
|
|
|
1,3 |
34,5 |
43351,1 |
1,74 |
|
|
33551,99 |
20684,69 |
713721,08 |
38,33 |
2026 |
|
|
6176,86 |
3,75 |
|
1205,71 |
14468,56 |
|
|
178415,54 |
1205,71 |
14468,56 |
|
338721.94 |
|
|
|
6.09 |
|
|
|
26.17 |
2029 |
1555,56 |
|
1804.93 |
5,04 |
2027 |
|
|
1333.67 |
1.45 |
|
|
|
|
1,3 |
34,95 |
44107,26 |
1,74 |
|
|
34137,23 |
21045,49 |
735607,77 |
39 |
2027 |
|
|
6408,28 |
3,75 |
|
1250,89 |
15010,63 |
|
|
204293,9 |
1250,89 |
15010,63 |
|
374364.96 |
|
|
|
6.09 |
|
|
|
26.49 |
2030 |
1613,84 |
|
1895.9 |
5,04 |
2028 |
|
|
1353.02 |
1.45 |
|
|
|
|
1,3 |
35,41 |
44876,61 |
1,74 |
|
|
34732,68 |
21412,58 |
758165,63 |
39,68 |
2028 |
|
|
6648,36 |
3,75 |
|
1297,75 |
15573 |
|
|
232310,96 |
1297,75 |
15573 |
|
412741.47 |
|
|
|
6.09 |
|
|
|
26.82 |
2031 |
1674,3 |
|
1991.45 |
5,04 |
2029 |
|
|
1372.66 |
1.45 |
|
|
|
|
1,3 |
35,87 |
45659,38 |
1,74 |
|
|
35338,51 |
21786,07 |
781415,24 |
40,37 |
2029 |
|
|
6897,44 |
3,75 |
|
1346,37 |
16156,44 |
|
|
262618,04 |
1346,37 |
16156,44 |
|
454039.02 |
|
|
|
6.09 |
|
|
|
27.16 |
2032 |
1737,03 |
|
2091.82 |
5,04 |
2030 |
|
|
1392.59 |
1.45 |
|
|
|
|
1,3 |
36,33 |
46455,81 |
1,74 |
|
|
35954,91 |
22166,08 |
805377,81 |
41,07 |
2030 |
|
|
7155,86 |
3,75 |
|
1396,81 |
16761,74 |
|
|
295376,5 |
1396,81 |
16761,74 |
|
498457.41 |
|
|
|
6.09 |
|
|
|
27.5 |
2033 |
1802,1 |
|
2197.24 |
5,04 |
2031 |
|
|
1412.8 |
1.45 |
|
|
|
|
1,3 |
36,81 |
47266,12 |
1,74 |
|
|
36582,06 |
22552,72 |
830075,21 |
41,79 |
2031 |
|
|
7423,95 |
3,75 |
|
1449,14 |
17389,72 |
|
|
330758,34 |
1449,14 |
17389,72 |
|
546209.42 |
|
|
|
6.09 |
|
|
|
27.84 |
2034 |
1869,62 |
|
2307.98 |
5,04 |
2032 |
|
|
1433.31 |
1.45 |
|
|
|
|
1,3 |
37,28 |
48090,58 |
1,74 |
|
|
37220,16 |
22946,1 |
855529,97 |
42,52 |
2032 |
|
|
7702,09 |
3,75 |
|
1503,44 |
18041,23 |
|
|
368946,89 |
1503,44 |
18041,23 |
|
597521.63 |
|
|
|
6.09 |
|
|
|
28.19 |
2035 |
1939,67 |
|
2424.31 |
5,04 |
2033 |
|
|
1454.11 |
1.45 |
|
|
|
|
1,3 |
37,77 |
48929,41 |
1,74 |
|
|
37869,38 |
23346,34 |
881765,32 |
43,26 |
2033 |
|
|
7990,65 |
3,75 |
|
1559,76 |
18717,14 |
|
|
410137,5 |
1559,76 |
18717,14 |
|
652635.31 |
|
|
|
6.09 |
|
|
|
28.54 |
2036 |
2012,34 |
|
2546.49 |
5,04 |
2034 |
|
|
1475.22 |
1.45 |
|
|
|
|
1,3 |
38,26 |
49782,87 |
1,74 |
|
|
38529,92 |
23753,57 |
908805,18 |
44,02 |
2034 |
|
|
8290,02 |
3,75 |
|
1618,2 |
19418,38 |
|
|
454538,38 |
1618,2 |
19418,38 |
|
711807.33 |
|
|
|
6.09 |
|
|
|
28.89 |
2037 |
2087,73 |
|
2674.83 |
5,04 |
2035 |
|
|
1496.63 |
1.45 |
|
|
|
|
1,3 |
38,76 |
50651,22 |
1,74 |
|
|
39201,99 |
24167,89 |
936674,25 |
44,78 |
2035 |
|
|
8600,6 |
3,75 |
|
1678,82 |
20145,89 |
|
|
502371,34 |
1678,82 |
20145,89 |
|
775311.18 |
|
|
|
6.09 |
|
|
|
29.26 |
2038 |
2165,94 |
|
2809.64 |
5,04 |
2036 |
|
|
1518.35 |
1.45 |
|
|
|
|
1,3 |
39,26 |
51534,71 |
1,74 |
|
|
39885,78 |
24589,45 |
965397,93 |
45,56 |
2036 |
|
|
8922,82 |
3,75 |
|
1741,72 |
20900,65 |
|
|
553872,68 |
1741,72 |
20900,65 |
|
843437.98 |
|
|
|
6.09 |
|
|
|
29.62 |
2039 |
2247,09 |
|
2951.25 |
5,04 |
2037 |
|
|
1540.39 |
1.45 |
|
|
|
|
1,3 |
39,77 |
52433,62 |
1,74 |
|
|
40581,5 |
25018,36 |
995002,44 |
46,36 |
2037 |
|
|
9257,12 |
3,75 |
|
1806,97 |
21683,7 |
|
|
609294,15 |
1806,97 |
21683,7 |
|
916497.59 |
|
|
|
6.09 |
|
|
|
29.99 |
2040 |
2331,28 |
|
3099.99 |
5,04 |
2038 |
|
|
1562.75 |
1.45 |
|
|
|
|
1,3 |
40,29 |
53348,21 |
1,74 |
|
|
41289,35 |
25454,74 |
1025514,8 |
47,17 |
2038 |
|
|
9603,94 |
3,75 |
|
1874,67 |
22496,07 |
|
|
668903,85 |
1874,67 |
22496,07 |
|
994819.82 |
|
|
|
6.09 |
|
|
|
30.36 |
2041 |
2418,62 |
|
3256.23 |
5,04 |
2039 |
|
|
1585.43 |
1.45 |
|
|
|
|
1,3 |
40,81 |
54278,75 |
1,74 |
|
|
42009,55 |
25898,74 |
1056962,83 |
47,99 |
2039 |
|
|
9963,75 |
3,75 |
|
1944,91 |
23338,89 |
23338,89 |
|
732987,35 |
1944,91 |
23338,89 |
|
1078755.68 |
|
|
|
6.09 |
|
|
|
30.74 |
2042 |
2509,23 |
|
3420.34 |
5,04 |
2040 |
|
|
1608.45 |
1.45 |
|
|
|
|
1,3 |
41,34 |
55225,52 |
1,74 |
|
|
42742,31 |
26350,49 |
1089375,23 |
48,83 |
2040 |
|
|
10337,04 |
3,75 |
|
2017,77 |
24213,28 |
48973,51 |
|
801848,72 |
2017,77 |
24213,28 |
|
1168678.66 |
|
|
|
6.09 |
|
|
|
31.12 |
2043 |
2603,24 |
|
3592.73 |
5,04 |
2041 |
|
|
1631.79 |
1.45 |
|
|
|
|
1,3 |
41,88 |
56188,8 |
1,74 |
|
|
43487,85 |
26810,11 |
1122781,59 |
49,68 |
2041 |
|
|
10724,32 |
3,75 |
|
2093,37 |
25120,43 |
77076,43 |
|
875811,77 |
2093,37 |
25120,43 |
|
1264986.23 |
|
|
|
6.09 |
|
|
|
31.51 |
2044 |
2700,77 |
|
3773.8 |
5,04 |
2042 |
|
|
1655.48 |
1.45 |
|
|
|
|
1,3 |
42,42 |
57168,89 |
1,74 |
|
|
44246,4 |
27277,76 |
1157212,36 |
50,55 |
2042 |
|
|
11126,1 |
3,75 |
|
2171,8 |
26061,57 |
107831,95 |
|
955221,22 |
2171,8 |
26061,57 |
|
1368101.28 |
|
|
|
6.09 |
|
|
|
31.91 |
2045 |
2801,96 |
|
3964 |
5,04 |
2043 |
|
|
1679.51 |
1.45 |
|
|
|
|
1,3 |
42,97 |
58166,07 |
1,74 |
|
|
45018,18 |
27753,56 |
1192698,98 |
51,43 |
2043 |
|
|
11542,94 |
3,75 |
|
2253,16 |
27037,96 |
141436,88 |
|
1040444,1 |
2253,16 |
27037,96 |
|
1478473.71 |
|
|
|
6.09 |
|
|
|
32.3 |
2046 |
2906,93 |
|
4163.78 |
5,04 |
2044 |
|
|
1703.88 |
1.45 |
|
|
|
|
1,3 |
43,53 |
59180,64 |
1,74 |
|
|
45803,42 |
28237,65 |
1229273,82 |
52,33 |
2044 |
|
|
11975,4 |
3,75 |
|
2337,58 |
28050,94 |
178101,33 |
|
1131871,09 |
2337,58 |
28050,94 |
|
1596582.18 |
|
|
|
6.09 |
|
|
|
32.71 |
2047 |
3015,84 |
|
4373.63 |
5,04 |
2045 |
|
|
1728.62 |
1.45 |
|
|
|
|
1,3 |
44,1 |
60212,92 |
1,74 |
|
|
46602,36 |
28730,2 |
1266970,25 |
53,24 |
2045 |
|
|
12424,06 |
3,75 |
|
2425,16 |
29101,87 |
218049,57 |
|
1229918,06 |
2425,16 |
29101,87 |
|
1722935.87 |
|
|
|
6.09 |
|
|
|
33.11 |
2048 |
3128,83 |
|
4594.06 |
5,04 |
2046 |
|
|
1753.71 |
1.45 |
|
|
|
|
1,3 |
44,67 |
61263,2 |
1,74 |
|
|
47415,23 |
29231,33 |
1305822,66 |
54,17 |
2046 |
|
|
12889,52 |
3,75 |
|
2516,01 |
30192,17 |
261520,96 |
|
1335027,61 |
2516,01 |
30192,17 |
|
1858076.37 |
|
|
|
6.09 |
|
|
|
|
|
|
|
|
|
2047 |
|
|
1779.16 |
1.45 |
|
|
|
|
1,3 |
45,25 |
62331,79 |
1,74 |
|
|
48242,28 |
29741,2 |
1345866,5 |
55,11 |
2047 |
|
|
13372,43 |
3,75 |
|
2610,28 |
31323,32 |
308770,91 |
0,33 |
1447670,8 |
2610,28 |
31323,32 |
0,25 |
2002579.77 |
|
|
|
6.09 |
|
|
|
|
|
|
|
|
|
2048 |
|
|
1804.99 |
1.45 |
1,59 |
|
|
1,22 |
1,3 |
45,84 |
63419,03 |
1,74 |
1,51 |
1,74 |
49083,76 |
30259,97 |
1387138,31 |
56,07 |
2048 |
|
|
13873,43 |
3,75 |
|
2708,07 |
32496,85 |
360071,91 |
0.23 |
1568348,9 |
2708,07 |
32496,85 |
0,17 |
2157058.75 |
|
|
|
6.09 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,51 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2962,15 |
0,21 |
5890,63 |
|
0,42 |
|
|
|
|
|
|
|
|
|
|
|
|
|
2867 |
3128 |
3000 |
4594 |
|
|
|
|
|
|
|
|
|
|
|
1833,63 |
23782,14 |
|
|
|
0,77 |
0,48 |
|
|
Wariant 3 przejście na emeryturę z trwaniem życia za 30 lat: w 2048r |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4873,46 |
renta holenderska po 30 latach pracy |
|
|
|
|
|
|
|
|
8251,33 |
1,71 |
|
|
|
|
|
|
|
Przeciętne dalsze trwanie życia |
|
|
|
|
|
|
618032,04 |
|
|
|
|
700713,29 |
|
bez waloryzacji |
|
|
|
|
|
|
|
|
|
|
|
|
|
4789,64 |
|
|
1082.99 |
|
|
|
|
|
|
|
renta niemiecka po 30 latach pracy w bmw |
|
|
|
|
|
|
|
Mężczyzna 65 letni – 19 lat |
|
|
|
|
|
|
|
|
bez waloryzacji |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2952,8 |
|
|
|
|
|
|
|
|
|
|
|
|
1064,37 |
4789,64 |
|
81,75 |
|
1301,94 |
Kobieta 60 letnia – 29 lata |
|
|
|
|
M |
19 |
228 |
618032,04 |
2710,67 |
19,54 |
|
228 |
700713,29 |
3073.3 |
22.15 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
renta niemiecka po 30 latach pracy za minimalna |
|
|
|
|
|
|
|
|
|
|
|
|
K |
29 |
348 |
618032,04 |
1775,95 |
12,8 |
|
348 |
700713,29 |
2013.54 |
14.51 |
|
|
|
|
|
|
|
|
|
|
9460,78 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
656,18 |
2952,8 |
|
81,75 |
|
802,64 |
lat składkowych – 30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2,06 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9237,89 |
|
|
|
|
|
|
29,34 |
|
8529,71 |
|
|
36.03 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
19,22 |
|
|
|
|
23.61 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1304.92 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
854.95 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
z waloryzacją |
|
|
|
|
z waloryzacją |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
M |
|
228 |
1568348,9 |
6878,72 |
49,58 |
74,46 |
228 |
2157058,75 |
9460.78 |
68.19 |
110.92 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
K |
|
348 |
1040444,1 |
2989,78 |
21,55 |
32,36 |
348 |
1478473,71 |
4248.49 |
30.62 |
49.81 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2920,69 |
|
|
|
|
4017.03 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1269,46 |
|
|
|
|
1803.9 |
|
|
|
|