在美国支付最高的社保金,退休后最多可领多少退休金

"If you are working, there is a limit on the amount of your earnings that is taxed by Social Security. This amount is known as the “maximum taxable earnings” and changes each year.

Year    Amount

2020    $137,700

2021    $142,800

2022    $147,000

2023    $160,200

https://www.ssa.gov/benefits/retirement/planner/maxtax.html

例如，2023 年收入为 160,200 美元或以上的个人, 缴社保金 160,200 x 6.2% = 9,932.40 美元，而他的雇主则缴付相应金额。 9,932.40 美元是2023年最高社保金.

Every year, roughly 6 percent of covered workers have earnings above the taxable maximum. 每年，大约 6% 人的收入高于上面说的最高限额.

https://www.ssa.gov/policy/docs/population-profiles/tax-max-earners.html

如果某人自 22 岁起收入高于上面说的最高限额, 每年缴最高社保金, 40年后(62岁)可领多少退休金 ?

2022年, 每月可领 2364 美元. (这是62岁退休人员中最高的, 天花板退休金)

https://www.ssa.gov/oact/cola/examplemax.html

The Big Mac Index is a price index published since 1986 by The Economist as an informal way of measuring the purchasing power parity (PPP) between two currencies.

https://en.wikipedia.org/wiki/Big_Mac_Index

巨无霸指数是《经济学人》自 1986 年以来发布的价格指数，作为衡量两种货币之间购买力平价 (PPP) 的非正式方式.

$2364 x 4.66 = 11016.24(RMB)

因此，如果一个人60岁在中国退休，退休金是一万一，粗略地说, 几乎和美国退休金的天花板一样.