irement is an important part of everyone's life. Whether you're planning for the future or already retired, understanding how to calculate pension benefits is essential. 📅

First, determine your total contribution years. This includes both actual contributions and any recognized periods of prior work. For example, if you've been contributing for 15 years and have another 5 years credited from previous employment, your total contribution period is 20 years. 💰

Next, check your average monthly income during your working years. This figure is used to calculate your base pension. Multiply this by a certain percentage based on your contribution years. For instance, if your average monthly income was $3,000 and you contributed for 20 years, your base pension might be around $1,800 per month. 🏠

Additional factors like regional policies and personal accounts also affect the final amount. Always consult local authorities or professionals for precise calculations tailored to your situation. Remember, saving early ensures a more comfortable retirement! 💡

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