终于把城乡居民养老保险个人账户利息搞懂，不允许你不懂

Core Points - The personal account consists of two main components: the individual's annual premium payments and government subsidies to encourage contributions [1] - The interest generated in the account is based on compound interest, meaning that interest from the previous year is added to the principal for further interest calculation [3] - The interest rate is not fixed and is determined by local provinces based on the People's Bank of China’s benchmark interest rates, typically higher than bank deposit rates [5] Contribution Timing - Early payment of premiums is encouraged as it allows for nearly a full year of compound interest growth, while late payments result in a loss of interest time [3] - Each province sets the annual accounting interest rate by June 30, which varies yearly; for example, rates in Hunan have fluctuated between 1.94% and 3.51% in recent years, with some provinces announcing rates as high as 4.11% for 2025 [5] Special Scenarios - Contributions made after missing previous years can still earn interest, but without government subsidies and with a shorter interest calculation period [5] - If contributions are paused, the remaining balance continues to earn interest according to national regulations [7] - Upon retirement, interest is calculated up to the month of retirement and included in the pension calculation, affecting the total amount available for monthly disbursement [7][10]