The expert named the conditions for receiving a pension of 40 thousand rubles.

To receive an insurance pension in the amount of more than 40 thousand rubles, a citizen needs to accumulate 200 individual pension coefficients (IPCs). This was announced on August 15 by Igor Balynin, an associate professor at the Financial University under the Government of the Russian Federation.

The specialist explained that the insurance payment is calculated by multiplying the number of points by the cost of one IPC, followed by adding a fixed payment. In 2026, the cost of one coefficient is 156.76 rubles, and the fixed payment amount is 9 584.69 rubles.

"200 IPCs can be formed, for example, with the annual formation of 5,714 IPCs for 35 years," Balynin said in an interview with TASS.

According to him, an official salary of 141,850 rubles per month is required to accumulate 5,714 points per year. The expert noted that in May 2026, the average salary above this threshold was recorded in 11 regions of the Russian Federation.

Pensions will rise in the fall: which Russians will have their payments recalculated from September 1

Pensioners who completed their work in August will receive a pension from September, taking into account all indexations.

On August 12, the Social Fund announced that Russians can independently increase their future pensions in 2026 by purchasing pension points through voluntary contributions. The cost of 1.09 pension coefficient is about 71.5 thousand rubles.