{"id":8383,"date":"2022-10-13T15:04:15","date_gmt":"2022-10-13T15:04:15","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=8383"},"modified":"2024-12-20T10:58:41","modified_gmt":"2024-12-20T10:58:41","slug":"emekli-maasi-hesaplama-nasil-yapilir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/dusle\/iyi-yasam-dusle\/emekli-maasi-hesaplama-nasil-yapilir\/","title":{"rendered":"Emekli Maa\u015f\u0131 Hesaplama: Emekli Olsam Ne Kadar Maa\u015f Al\u0131r\u0131m?"},"content":{"rendered":"\n<p>Emekli olduktan sonra hayat kalitenizin nas\u0131l olaca\u011f\u0131 konusunda fikir edinmek en do\u011fal hakk\u0131n\u0131z. Bunun i\u00e7in de \u201cBug\u00fcn emekli olursam ne kadar emekli maa\u015f\u0131 al\u0131r\u0131m?\u201d diye soruyor olabilirsiniz. Biz size bu konuda yard\u0131mc\u0131 olal\u0131m ve emeklilik maa\u015f\u0131 hesaplama nas\u0131l yap\u0131l\u0131r, a\u00e7\u0131klayal\u0131m.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Emeklilik Maa\u015f\u0131 Nas\u0131l Hesaplan\u0131r?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" data-id=\"8387\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-maaslari-ne-kadar.jpg\" alt=\"Emekli Maa\u015flar\u0131 Ne Kadar?\" class=\"wp-image-8387\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-maaslari-ne-kadar.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-maaslari-ne-kadar-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-maaslari-ne-kadar-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-maaslari-ne-kadar-263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Emekli maa\u015flar\u0131 hesaplan\u0131rken bir\u00e7ok unsur dikkate al\u0131n\u0131r. Bunlardan baz\u0131lar\u0131n\u0131 \u015fu \u015fekilde s\u0131ralayal\u0131m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ki\u015finin i\u015fe ba\u015flama yani sigortas\u0131n\u0131n ba\u015flad\u0131\u011f\u0131 tarih\u00a0<\/li>\n\n\n\n<li>Ki\u015fiye \u00f6denen prim g\u00fcn say\u0131s\u0131<\/li>\n\n\n\n<li>Yat\u0131r\u0131lan primin miktar\u0131<\/li>\n\n\n\n<li>Ki\u015finin emekli oldu\u011fu y\u0131l<\/li>\n\n\n\n<li>Ki\u015finin sigortal\u0131l\u0131k s\u00fcresi<\/li>\n\n\n\n<li>Ki\u015finin ya\u015f\u0131<\/li>\n\n\n\n<li>Ba\u011fl\u0131 oldu\u011fu Sosyal G\u00fcvenlik Kurumu sigorta sistemi yani \u00e7al\u0131\u015ft\u0131\u011f\u0131 i\u015f kolu (4A,4B ve 4C)<\/li>\n<\/ul>\n\n\n\n<p>Bu maddelerden \u00f6zellikle ki\u015finin sigortas\u0131n\u0131n ba\u015flad\u0131\u011f\u0131 yani ilk i\u015fe ba\u015flad\u0131\u011f\u0131 tarih ve \u00e7al\u0131\u015ft\u0131\u011f\u0131 y\u0131llar, emekli ayl\u0131\u011f\u0131 hesaplamas\u0131nda \u00e7ok etkilidir. \u00c7\u00fcnk\u00fc \u00fclkemizde emeklilik sisteminde 3 d\u00f6nem i\u00e7in farkl\u0131 hesaplamalar s\u00f6z konusudur. Bu 3 d\u00f6nem \u015fu \u015fekilde:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2000 y\u0131l\u0131 \u00f6ncesi<\/li>\n\n\n\n<li>2000-2008 y\u0131llar\u0131 aras\u0131<\/li>\n\n\n\n<li>2008 y\u0131l\u0131 sonras\u0131<\/li>\n<\/ul>\n\n\n\n<p>Bu d\u00f6nemlerde yasa de\u011fi\u015fiklikleri oldu\u011fu i\u00e7in emeklilik maa\u015flar\u0131na da etkileri olduk\u00e7a fazlad\u0131r. Mesela 2000 y\u0131l\u0131ndan \u00f6nce emekli olan birinin maa\u015f\u0131n\u0131n %70\u2019i emeklilik maa\u015f\u0131na ba\u011fl\u0131d\u0131r. Yani ki\u015finin toplam primlerinin %70\u2019i emekli maa\u015f\u0131nda etkilidir. Bu durum 2000-2008 y\u0131l\u0131 aras\u0131nda emekli olanlar i\u00e7in %50 iken 2008 sonras\u0131 i\u00e7in %37 \u015feklindedir.&nbsp;<\/p>\n\n\n\n<p>Ancak bu primler de ki\u015finin \u00e7al\u0131\u015ft\u0131\u011f\u0131 y\u0131llar\u0131n a\u011f\u0131rl\u0131klar\u0131na g\u00f6re hesaplan\u0131r. \u00c7\u00fcnk\u00fc 1999 y\u0131l\u0131nda i\u015fe ba\u015flayan biri i\u00e7in o y\u0131lki maa\u015f\u0131n\u0131n %70\u2019i emeklilik hesaplamas\u0131na ba\u011flan\u0131rken sonraki y\u0131llarda yatan primlerin %50 ve %37\u2019si dikkate al\u0131n\u0131r.&nbsp;<\/p>\n\n\n\n<p>Bu hesaplamalar\u0131n \u00e7ok karma\u015f\u0131k ve yorucu oldu\u011funu tahmin ediyoruz. Bu nedenle 4A, 4B ve 4C sigorta sistemlerinde k\u0131saca hesaplama yapmak da m\u00fcmk\u00fcn. Bunlar\u0131 i\u015f kollar\u0131na g\u00f6re s\u0131rayla a\u00e7\u0131klayal\u0131m.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" data-id=\"8385\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/bugun-emekli-olsam-ne-kadar-maasim-olur.jpg\" alt=\"Bug\u00fcn Emekli Olsam Ne Kadar Maa\u015f\u0131m Olur\" class=\"wp-image-8385\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/bugun-emekli-olsam-ne-kadar-maasim-olur.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/bugun-emekli-olsam-ne-kadar-maasim-olur-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/bugun-emekli-olsam-ne-kadar-maasim-olur-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/bugun-emekli-olsam-ne-kadar-maasim-olur-263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4A Emekli Maa\u015f\u0131 Hesaplama<\/strong><\/h2>\n\n\n\n<p>\u00d6zel i\u015f yerlerinde s\u00f6zle\u015fmeli olarak \u00e7al\u0131\u015fanlar\u0131 kapsayan 4a \u00e7al\u0131\u015fanlar\u0131 i\u00e7in emeklilik hesaplama i\u015flemi <a href=\"https:\/\/uyg.sgk.gov.tr\/AylikHesap\/\">SGK\u2019n\u0131n sitesinden<\/a> kolayca yap\u0131labiliyor. Yapman\u0131z gereken \u015fey; kimlik numaran\u0131z\u0131, SSK sicil numaran\u0131z\u0131, baba ad\u0131n\u0131z\u0131, n\u00fcfusa kay\u0131tl\u0131 oldu\u011funuz ili ve do\u011fum tarihinizi ilgili bo\u015fluklara yazmak. Ard\u0131ndan emekli maa\u015f\u0131n\u0131z\u0131 sorgulayabilirsiniz.&nbsp;<\/p>\n\n\n\n<p>Sicil numaran\u0131z\u0131 bilmiyorsan\u0131z e-Devlet \u00fczerinden \u201c<a href=\"https:\/\/www.turkiye.gov.tr\/sgk-tescil-ve-hizmet-dokumu\" target=\"_blank\" rel=\"noreferrer noopener\">SGK Tescil ve Hizmet D\u00f6k\u00fcm\u00fc \/ \u0130\u015fyeri Unvan Listesi<\/a>\u201d sayfas\u0131na girebilir ve buradan sicil numaran\u0131z\u0131 \u00f6\u011frenebilirsiniz.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4B Emekli Maa\u015f\u0131 Hesaplama<\/strong><\/h2>\n\n\n\n<p>Kendi mesle\u011fini ba\u011f\u0131ms\u0131z olarak icra edenler yani \u015fah\u0131s \u015firketi olan veya serbest meslek gruplar\u0131nda \u00e7al\u0131\u015fanlar\u0131n emekli maa\u015f\u0131 hesaplamas\u0131n\u0131 <a href=\"https:\/\/uyg.sgk.gov.tr\/WS_EMEKTAR_AYLIKGELIRHESAPLAMA4B\/AylikHesaplaAction.do?dispatcherMethod=aylikHesaplaSayfa\" target=\"_blank\" rel=\"noreferrer noopener\">SGK emekli maa\u015f\u0131 hesaplama sayfas\u0131ndan<\/a> yapabilirsiniz.&nbsp;<\/p>\n\n\n\n<p>Bunun i\u00e7in T\u00fcrkiye Cumhuriyeti kimlik numaras\u0131n\u0131, kurum bilgilerini ve sitede belirtilen g\u00fcvenlik kodunu ilgili alanlara yazman\u0131z, 4B &#8211; Ba\u011f-Kur emeklilik maa\u015f\u0131 hesaplamas\u0131 i\u00e7in yeterli olacakt\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4c-emekli-maa-hesaplama\"><strong>4C Emekli Maa\u015f\u0131 Hesaplama<\/strong><\/h2>\n\n\n\n<p>Eski ad\u0131yla Emekli Sand\u0131\u011f\u0131 olan ve devlet \u00e7al\u0131\u015fanlar\u0131n\u0131 kapsayan 4C sistemine ba\u011fl\u0131ysan\u0131z emeklilik hesaplamas\u0131n\u0131 <a href=\"https:\/\/uyg.sgk.gov.tr\/HizmetHesabi4c\/\" target=\"_blank\" rel=\"noreferrer noopener\">SGK\u2019nin 4C Emeklilik Hizmet S\u00fcresi ve Ya\u015f Hesab\u0131<\/a> sayfas\u0131ndan yapabilirsiniz. Burada size ait temel bilgileri forma yazd\u0131ktan sonra hesapla butonuna basarak emeklilik maa\u015f bilgilerine ula\u015fabilirsiniz.&nbsp;<\/p>\n\n\n\n<p>SSK emekli maa\u015f\u0131 hesaplamalar\u0131n\u0131 bu \u015fekilde a\u00e7\u0131klad\u0131k. Ancak gelecekte hem kendinizi hem de ailenizi ve sevdikleriniz g\u00fcvenceye alman\u0131z i\u00e7in size bir \u00f6nerimiz var.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>MAPFRE Hayat Sigortalar\u0131 ile Ailenizi G\u00fcvende Tutun!<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-3 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" data-id=\"8388\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-olunca-ne-kadar-maas-alirim.jpg\" alt=\"Emekli Olunca Ne Kadar Maa\u015f Al\u0131r\u0131m\" class=\"wp-image-8388\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-olunca-ne-kadar-maas-alirim.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-olunca-ne-kadar-maas-alirim-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-olunca-ne-kadar-maas-alirim-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/10\/emekli-olunca-ne-kadar-maas-alirim-263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Hayatta ne gibi s\u00fcrprizlerle kar\u015f\u0131la\u015faca\u011f\u0131n\u0131z\u0131 bilmeniz pek m\u00fcmk\u00fcn de\u011fil. K\u00f6t\u00fc s\u00fcrprizlerle kar\u015f\u0131la\u015fman\u0131z durumunda hem kendinizin hem de ailenizin bu durumdan en az d\u00fczeyde etkilenmesini isteyebilirsiniz. Bunun \u00e7\u00f6z\u00fcm\u00fc de hayat sigortas\u0131 yapt\u0131rmak.<\/p>\n\n\n\n<p>Gelece\u011finizi g\u00fcvenceye alan hayat sigortas\u0131 yapt\u0131rmadan \u00f6nce sigorta \u015fartlar\u0131n\u0131 \u201c<a href=\"https:\/\/www.mapfre.com.tr\/blog\/yasa\/hayat-sigortasi-teminatlari-nelerdir\/\" target=\"_blank\" rel=\"noreferrer noopener\">Aileniz G\u00fcvence Alt\u0131nda: Hayat Sigortas\u0131 Teminatlar\u0131 Nelerdir?<\/a>\u201d ba\u015fl\u0131kl\u0131 yaz\u0131m\u0131zdan \u00f6\u011frenebilirsiniz. <\/p>\n\n\n\n<p>Huzurlu ve mutlu bir \u015fekilde ge\u00e7irebilece\u011finiz emeklilik y\u0131llar\u0131 dileriz!<\/p>\n\n\n\n<p><a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/bireysel\/\" target=\"_blank\" rel=\"noreferrer noopener\">MAPFRE Sigorta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Emekli oldu\u011funuzda ne kadar maa\u015f alaca\u011f\u0131n\u0131z merak ediyor olabilirsiniz. Ancak emekli maa\u015f\u0131 hesaplama, d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fczde karma\u015f\u0131k olabilir. \u00d6\u011frenmek i\u00e7in t\u0131klay\u0131n.<\/p>\n","protected":false},"author":3,"featured_media":8386,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1972],"tags":[899],"class_list":["post-8383","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iyi-yasam-dusle","tag-ipucu"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=8383"}],"version-history":[{"count":6,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8383\/revisions"}],"predecessor-version":[{"id":10124,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8383\/revisions\/10124"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/8386"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=8383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=8383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=8383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}