Associate Professor Altukhova named a way to receive the maximum pension

Russians who wish to receive the maximum pension should, as of 2026, earn about 248 thousand rubles a month. This was announced on August 5 by Elena Aluthova, Associate Professor of the Department of Financial Markets and Financial Engineering at the Financial University under the Government of the Russian Federation.

"For this, the salary in 2026 should be about 248 thousand rubles per month before personal income tax (income tax. Only the official income from which the employer transfers insurance premiums is taken into account. The unofficial part of earnings does not increase the future insurance pension," she said in an interview with kp.ru .

The expert recalled that the pension amount is formed not based on the result of any one year, but with the help of pension points. She explained that the future pension of a citizen of the Russian Federation directly depends on his earnings, so the higher it is, the more payments will be made.

Altukhova pointed out that it is possible to influence this by postponing retirement, saving a certain amount through a long-term savings Program, as well as using corporate pension provision. The latter, according to her, is not available in all companies and depends primarily on the employer.

Account over time: the pension of Russians would exceed 30 thousand without the freezing of savings

Why is the average payout lower now and what could change the situation?

According to the data of the Social Fund of the Russian Federation, which was reviewed by Izvestia on the same day, as of July 1, 2026, the average monthly old-age pension in the country amounted to 27.2 thousand rubles. A year ago, at the same time, it was 25,098 rubles.