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Retirement Calculator 2026

Calculate your retirement age, quarters, and 2026 pension. Reform integrated, general scheme + Agirc-Arrco. Free personalized simulations.

Calculateur retraite 2026 avec réforme intégrée. Estimez votre âge de départ, vos trimestres, votre pension (régime général + Agirc-Arrco), et simulez différents scénarios. 100% gratuit et personnalisé.

Étape 1 : Votre profil

Âge premier emploi cotisant
Majoration 8 trimestres par enfant

Étape 2 : Votre carrière

Vérifiez sur votre relevé de carrière
Départ anticipé possible
Départ anticipé à 55 ans

Âge de départ à la retraite

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Âge légal
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Taux plein
--
Départ anticipé

Vos trimestres

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Validés
--
Requis taux plein
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Manquants
0%

Estimation de votre pension

Régime général (CNAV)
-- €
Brut mensuel
Complémentaire (Agirc-Arrco)
-- €
Brut mensuel

Total Brut Mensuel

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Net après prélèvements

-- €
CSG/CRDS 9.1%
Estimation indicative
Cette estimation est basée sur les règles 2026 et votre situation actuelle. La pension réelle peut varier selon l'évolution de votre carrière et les réformes futures.

Décote / Surcote

Timeline de votre carrière

Simulations

Rachat de trimestres

Maximum 12 trimestres
€
Selon votre âge et salaire

Départ anticipé

Cumul emploi-retraite

€
Cumul emploi-retraite : Vous pouvez cumuler votre pension et des revenus d'activité si vous avez liquidé l'intégralité de vos pensions et atteint le taux plein.

Comparaison scénarios de départ

Âge départ Trimestres Décote/Surcote Pension mensuelle Cumul 10 ans

Conseils personnalisés

Bilan retraite personnalisé GRATUIT

Obtenez une analyse détaillée de votre situation par un conseiller retraite expert

Calculateur Retraite 2026 : Réforme intégrée

Notre calculateur de retraite 2026 intègre la dernière réforme des retraites avec le nouvel âge légal de départ à 64 ans. Estimez précisément votre âge de départ, vos trimestres nécessaires, et le montant de votre pension (régime général + complémentaire Agirc-Arrco). Outil 100% gratuit, personnalisé et confidentiel.

Réforme des retraites 2023 : Ce qui change

Nouveaux paramètres 2026

  • Âge légal : 64 ans (pour les générations nées à partir de 1968)
  • Durée cotisation : 172 trimestres (43 ans) pour le taux plein
  • Âge automatique : 67 ans (taux plein sans condition de durée)
  • Carrières longues : Départ dès 58-60 ans si début avant 20 ans
  • Handicap : Départ anticipé maintenu dès 55 ans

Comment fonctionne le calcul de votre pension ?

Régime général (CNAV)

Formule :

Pension = SAM × Taux × (Trimestres / Durée requise)

  • SAM : Salaire Annuel Moyen des 25 meilleures années
  • Taux plein : 50% maximum
  • Décote : -1.25% par trimestre manquant (max -25%)
  • Surcote : +1.25% par trimestre supplémentaire
Complémentaire (Agirc-Arrco)

Formule :

Pension = Points × Valeur du point

  • Acquisition points : Cotisations / Prix d'achat point
  • Valeur 2026 : 1.4159€ (estimée)
  • Décote temporaire : -10% pendant 3 ans si départ avant 67 ans
  • Majoration : +10% si 3 enfants ou plus

Les trimestres : mode d'emploi

Pour valider un trimestre de retraite en 2026, vous devez percevoir un salaire brut minimum de 1,747€ (150 × SMIC horaire). Vous pouvez valider maximum 4 trimestres par an, même si vous gagnez plus.

Salaire annuel brut Trimestres validés Exemple
Moins de 1,747€ 0 Stage non rémunéré
1,747€ à 3,493€ 1 Job étudiant été
3,494€ à 5,240€ 2 Temps partiel 50%
5,241€ à 6,988€ 3 Temps partiel 80%
6,989€ et plus 4 Temps plein, cadre

Majorations de trimestres

Enfants

8 trimestres par enfant (4 grossesse + 4 éducation)

Maladie

Trimestres validés si indemnités journalières

Chômage

4 trimestres/an si indemnisé (max 20 trim. total)

Frequently asked questions

The 2023 pension reform gradually raised the legal retirement age from 62 to 64 years. Your retirement age depends on your year of birth. For generations born i... The 2023 pension reform gradually raised the legal retirement age from 62 to 64 years. Your retirement age depends on your year of birth. For generations born in 1960 or before, the legal age remains 62 years. For those born between 1961 and 1967, the age increases gradually by quarters: 62 years and 3 months for 1961, 62 years and 6 months for 1962, and so on up to 63 years and 9 months for 1967. From generation 1968 onwards, the legal age is set at 64 years. IMPORTANT: the legal age is the minimum age to retire, but you only get the full rate (50% of your Average Annual Salary) if you have validated the required contribution period (172 quarters or 43 years for recent generations). If you retire at legal age without all your quarters, a penalty of 1.25% per missing quarter applies (maximum 20 quarters penalty or -25%). At 67 years, you AUTOMATICALLY benefit from the full rate without duration condition, even with missing quarters. EARLY RETIREMENTS MAINTAINED: Long career (activity start before 20 years): departure possible from 58-60-62 years depending on start age and validated quarters. Disability recognized at minimum 50%: departure from 55 years. Hardship, unfitness, disability: specific maintained schemes. Active civil servants (police, firefighters): unchanged retirement ages. CONCRETE EXAMPLE: Born in 1970, you can retire at minimum 64 years. If at 64 years you have validated 172 quarters, you will have full rate. If you only have 160 quarters, you will suffer a penalty of 12 quarters × 1.25% = -15% on your pension. To avoid this penalty, you can either work until validating 172 quarters, or wait until 67 years where full rate is automatic.

Retirement quarters are validated based on your annual remuneration, NOT your actual working time. In 2026, to validate 1 quarter, you must have received a mini... Retirement quarters are validated based on your annual remuneration, NOT your actual working time. In 2026, to validate 1 quarter, you must have received a minimum gross salary of €1,747 in the year (150 times the hourly minimum wage). You can validate MAXIMUM 4 quarters per year, even if you earn much more. 2026 SCALE: Annual gross salary below €1,747 → 0 quarters (example: unpaid internship, small jobs). From €1,747 to €3,493 → 1 quarter validated (example: summer student job 2 months). From €3,494 to €5,240 → 2 quarters (example: 6-month fixed-term contract at minimum wage). From €5,241 to €6,988 → 3 quarters (example: 80% part-time). €6,989 and above → 4 quarters (example: full-time, executive, high salary). IMPORTANT: A 50% part-time all year can validate 4 quarters if annual salary exceeds €6,989. Conversely, working 3 months then stopping will only validate 1-2 quarters depending on salary. AUTOMATIC INCREASES: Children: 8 quarters per child (4 for pregnancy/adoption + 4 for education). For mothers who gave birth before 2010, the 8 quarters are automatic. For those after 2010, the 4 education quarters can be shared with the father. Illness/Maternity: Quarters validated if you receive daily Social Security benefits (minimum 60 days compensated = 1 quarter). Compensated unemployment: 4 quarters per year if you receive ERA (Return to Employment Allowance), capped at 20 quarters over entire career. Military/Civic service: Quarters validated automatically (90 days = 1 quarter). Disability: Automatic validation if you receive a disability pension. COMPLEX CONCRETE EXAMPLE: Marie, born in 1990, had 2 children, worked 3 years part-time (3 quarters/year validated), then 15 years full-time (4 quarters/year), and was unemployed 1 year (4 quarters). Calculation: Children: 2 × 8 = 16 quarters. Part-time: 3 years × 3 = 9 quarters. Full-time: 15 years × 4 = 60 quarters. Unemployment: 1 year × 4 = 4 quarters. TOTAL: 16 + 9 + 60 + 4 = 89 quarters validated. She has 172 - 89 = 83 quarters left to validate, or about 21 years of work. VERIFICATION: Check your career statement on info-retraite.fr to verify that all your quarters are properly registered. Common errors: internship periods, undeclared small jobs, child quarters not attributed.

Your total retirement pension consists of TWO separate parts that must be added together. PART 1: GENERAL SCHEME (CNAV) - Formula: Annual pension = SAM × Rate ×... Your total retirement pension consists of TWO separate parts that must be added together. PART 1: GENERAL SCHEME (CNAV) - Formula: Annual pension = SAM × Rate × (Validated quarters / Reference period). SAM (Average Annual Salary): Average of the 25 best years of salary revalued according to inflation. Capped at PASS (Annual Social Security Ceiling) of €46,368 in 2026. For an executive who has always earned above PASS, SAM will be €46,368. For someone with variable salaries, we take the 25 years where they earned the most. Rate: Maximum 50% (full rate). Reduced by penalty if quarters missing: Real rate = 50% - (Missing quarters × 1.25%), capped at -25% (minimum rate 25%). Example: 10 missing quarters → Rate = 50% - 12.5% = 37.5%. Proration: If you don't have ALL required quarters at legal age, pension is prorated. Coefficient = Validated quarters / 172. Example: 150 validated quarters → Coefficient = 150/172 = 87.2%. COMPLETE GENERAL SCHEME EXAMPLE: Pierre, born in 1968, retires at 64 years. SAM = €35,000 (average 25 best years). Validated quarters: 160 (instead of 172 required). Missing quarters: 12. Rate: 50% - (12 × 1.25%) = 50% - 15% = 35%. Proration: 160/172 = 93%. Annual pension = €35,000 × 35% × 93% = €11,377/year or €948/month gross. PART 2: COMPLEMENTARY AGIRC-ARRCO - Formula: Annual pension = Acquired points × Point value. Acquired points: Each year, your contributions (employee + employer share) are converted into points according to point purchase price. In 2026, estimated purchase price: €18.7619. Annual contributions / 18.7619 = Points acquired in year. Over a 40-year career with average salary of €35,000, you accumulate approximately 4,500 to 5,000 points. 2026 point value: €1.4159 (estimated, revalued each year according to inflation). Annual pension = 5,000 points × €1.4159 = €7,079/year or €590/month. TEMPORARY PENALTY: If you retire before 67 years without having full rate in general scheme, Agirc-Arrco applies temporary penalty of -10% for 3 years (then disappears). Example: If Agirc-Arrco pension = €590/month, you will receive €531/month for 3 years, then €590/month after. INCREASES: +10% if 3 or more children (on Agirc-Arrco part only). PIERRE'S TOTAL PENSION: General scheme: €948/month. Agirc-Arrco: €590/month (or €531/month if temporary penalty). GROSS TOTAL: €1,538/month (or €1,479 with penalty). NET after CSG/CRDS 9.1%: €1,398/month (or €1,344). CAPS: Base pension (general scheme) cannot exceed 50% of PASS or €1,932/month gross in 2026. Total pension (base + complementary) has no cap but for very high salaries, replacement rate (pension/last salary) is generally 60-70% versus 80-85% for low salaries.

Penalty and bonus are mechanisms that adjust your pension amount depending on whether you retire before or after validating all your quarters. PENALTY (REDUCTIO... Penalty and bonus are mechanisms that adjust your pension amount depending on whether you retire before or after validating all your quarters. PENALTY (REDUCTION) - When does it apply? If you retire at legal age (64 years) WITHOUT having validated required contribution period (172 quarters), AND you are under 67 years (automatic full rate age). How much? -1.25% per missing quarter, applied to liquidation rate (not final amount). Maximum 20 quarters penalty or -25% (rate cannot drop below 25%). PENALTY EXAMPLE: Sophie retires at 64 years with 160 quarters instead of 172. Missing quarters: 12. Penalty: 12 × 1.25% = -15%. Pension rate: 50% - 15% = 35% (instead of 50%). If her SAM = €30,000 and proration 160/172 = 93%, pension = €30,000 × 35% × 93% = €9,765/year or €814/month. WITHOUT penalty (if she had waited to have 172 quarters), she would have had: €30,000 × 50% × 100% = €15,000/year or €1,250/month. Penalty costs her €436/month (35% less!). HOW TO AVOID PENALTY? Work until validating required 172 quarters (even after 64 years). Wait until 67 years: at this age, full rate (50%) is automatic WITHOUT duration condition. Even with only 140 quarters, you will have 50% (but with proration 140/172 = 81%). Buy back missing quarters (see next question). Benefit from long career or disability scheme to retire earlier at full rate. BONUS (INCREASE) - When does it apply? If you continue working AFTER reaching: Legal age (64 years), AND validated required duration (172 quarters). Each quarter worked beyond gives right to bonus. How much? +1.25% per additional quarter, no ceiling. BONUS EXAMPLE: Marc is 64 years old and has 172 quarters. He decides to work 2 more years (8 quarters). Bonus: 8 × 1.25% = +10%. Pension rate: 50% + 10% = 60% (instead of 50%). If his SAM = €40,000, pension = €40,000 × 60% = €24,000/year or €2,000/month. WITHOUT bonus (if he had retired at 64 years): €40,000 × 50% = €20,000/year or €1,667/month. Bonus brings him +€333/month (+20%) for life! BONUS PROFITABILITY: Work 2 more years for +€333/month for life. Average retirement duration: 25 years. Total gain: €333 × 12 months × 25 years = €99,900. But 2 years salary lost: €40,000 × 2 = €80,000 gross (about €50,000 net). Positive ROI after 12-15 years retirement. Advantageous if correct life expectancy and OK health. SPECIAL CASE 67 YEARS: If you work between 64 years (with 172 quarters) and 67 years, you accumulate bonus quarters. But after 67 years, bonus continues to apply without age limit. AGIRC-ARRCO PENALTY: Beware, complementary scheme Agirc-Arrco applies ITS OWN temporary penalty of -10% for 3 years if you retire before 67 years without full rate general scheme. This Agirc-Arrco penalty is INDEPENDENT from general scheme penalty.

Yes, you can buy back up to 12 quarters maximum during your career to improve your pension. Buyback is possible for two situations: years of higher education va... Yes, you can buy back up to 12 quarters maximum during your career to improve your pension. Buyback is possible for two situations: years of higher education validated by a diploma (maximum 12 quarters), or incomplete years where you validated less than 4 quarters (example: year with only 2 quarters, you can buy back the 2 missing). ATTENTION: You CANNOT buy back quarters for periods where you did not work or contribute at all (example: sabbatical year, uncompensated unemployment). BUYBACK COST: The price of a quarter depends on three factors: Your age at time of buyback (younger you are, cheaper it is), Your average annual salary of last 3 years, Chosen option: Option 1 (rate only): Cheaper, only increases liquidation rate (avoids/reduces penalty). Option 2 (rate + duration): More expensive, increases both rate AND insurance duration (avoids penalty + improves proration). ESTIMATED 2026 SCALE (salary €35,000): At 30 years: €2,800 per quarter (option 1) or €4,200 (option 2). At 40 years: €3,500 per quarter (option 1) or €5,250 (option 2). At 50 years: €4,900 per quarter (option 1) or €7,350 (option 2). At 55 years: €5,600 per quarter (option 1) or €8,400 (option 2). CONCRETE EXAMPLE: Julie, 52 years old, salary €40,000, missing 8 quarters. She wants to buy back option 2. Estimated cost: 8 quarters × €7,500 = €60,000. IMPACT ON PENSION: Before buyback: 164 quarters, pension €1,450/month with penalty. After buyback: 172 quarters, pension €1,750/month full rate. Gain: +€300/month or €3,600/year. ROI: €60,000 / €3,600 = 16.7 years. If Julie lives 20 years in retirement, she gains total: €300 × 12 × 20 = €72,000. Balance: She 'loses' €60,000 in buyback but gains €72,000 in additional pension, or +€12,000 net. PROFITABILITY: Buyback is profitable IF: You live long enough in retirement (correct life expectancy). You would otherwise have heavy penalty (10-20 missing quarters). You are close to retirement (buyback at 55-60 years). LESS PROFITABLE IF: You are young (better to contribute normally). You only miss 1-2 quarters (small penalty). You have health problems (reduced life expectancy). TAX ADVANTAGE: Quarter buyback is DEDUCTIBLE from your taxable income. If MTR (Marginal Tax Rate) = 30%, buyback of €10,000 saves you €3,000 taxes. Real cost = €10,000 - €3,000 = €7,000. PAYMENT: Possible in one go or spread over 1, 3 or 5 years. PROCEDURES: Request free quote from your retirement fund (CNAV). Quote valid 1 year. You can buy back gradually (e.g. 4 quarters this year, 4 next year). ALTERNATIVE TO BUYBACK: Work longer to validate missing quarters naturally. Retire at 67 years where full rate is automatic (avoids penalty but not proration). Open PER (Retirement Savings Plan) to supplement pension rather than buy back.

Employment-retirement combination allows you to receive your retirement pension while resuming professional activity (employed or self-employed). This can be in... Employment-retirement combination allows you to receive your retirement pension while resuming professional activity (employed or self-employed). This can be interesting to supplement your income, stay active, or finance projects. There are TWO types of combination. FULL COMBINATION (NO CAP): You can FULLY combine pension + salary WITHOUT ANY income limit IF you meet these 3 cumulative conditions: Having liquidated ALL your retirement pensions (base + complementary). General scheme + Agirc-Arrco + other schemes if you were multi-pensioner (example: employee then self-employed). Having reached legal age (64 years) OR early retirement age if long career/disability. Having full rate (172 quarters OR 67 years). FULL COMBINATION EXAMPLE: Marc, 64 years old, 172 quarters, pension €1,800/month. He resumes part-time fixed-term contract paid €1,200/month. Total income: €1,800 + €1,200 = €3,000/month WITHOUT limitation. CAPPED COMBINATION: If you do NOT meet all conditions for full combination (example: left before having full rate), your activity income is CAPPED. Cap = EITHER 160% of minimum wage (about €2,700/month gross in 2026), OR last activity salary before retirement. If your activity income exceeds this cap, your retirement pension is SUSPENDED (reduced or stopped) by amount of excess. CAPPED COMBINATION EXAMPLE: Sophie, 64 years old, 160 quarters (not full rate), pension €1,300/month, last salary €2,500. She resumes job at €1,800/month. Applicable cap: €2,500 (her last salary). Total pension + salary: €1,300 + €1,800 = €3,100. Excess: €3,100 - €2,500 = €600. Her pension is REDUCED by €600: she will receive €1,300 - €600 = €700 pension + €1,800 salary = €2,500 total (blocked at cap). SPECIFIC RULES: Waiting period: If you resume with your LAST employer, you must wait 6 MONTHS after retirement. With new employer or self-employed: No delay, immediate resumption possible. Contributions: You contribute NORMALLY (employee + employer) but these contributions generate NO new pension rights (no new quarters, no pension increase). Exception: You can request 'progressive retirement' BEFORE leaving definitively (part-time + fraction pension). Status: You combine statuses retiree + active. Implications: 'Retiree' health insurance maintained. Unemployment contributions: NO (retirees don't contribute to unemployment). If layoff: No unemployment benefits (already retired). PREFERRED COMBINATION SECTORS: Personal services (childcare, housekeeping). Consulting/Expertise (resume self-employed in your field). Seasonal (harvest, tourism). Associations, teaching, crafts. ADVANTAGES: Significant income supplement. Maintain social link and activity. No negative impact on pension (continues normally). Flexible (you can stop when you want). DISADVANTAGES: 'Lost' contributions (don't increase pension). Capping if not full rate. 6-month delay with former employer. No unemployment rights. ALTERNATIVE: Progressive retirement BEFORE full liquidation: Part-time 40-80% + proportional fraction pension. Allows continuing to acquire quarters and improve future pension. Reserved for 60+ years with minimum 150 quarters.

The 'long career' scheme allows retiring BEFORE legal age (64 years) AT FULL RATE if you started working very young and contributed long. The 2023 reform MAINTA... The 'long career' scheme allows retiring BEFORE legal age (64 years) AT FULL RATE if you started working very young and contributed long. The 2023 reform MAINTAINED this scheme. CUMULATIVE CONDITIONS: Having started working BEFORE 20 years (18 or 16 years for very early departures). Having validated certain number of 'contributed' quarters (not just validated). Difference: Validated quarters = contributed + assimilated (unemployment, illness, maternity). Contributed quarters = only those where you actually worked and contributed. For long career, only CONTRIBUTED quarters count (with few exceptions for maternity/disability). Having required number of quarters for full rate (172 for recent generations). 2026 EARLY RETIREMENT SCALE: RETIREMENT AT 58 YEARS: Activity start BEFORE 16 years, 172 validated quarters including 168 contributed. RETIREMENT AT 60 YEARS: Activity start BEFORE 18 years, 172 validated quarters including 164 contributed. RETIREMENT AT 62 YEARS: Activity start BEFORE 20 years, 172 validated quarters including 160 contributed. CONCRETE EXAMPLE: Jean, born in 1970, started at 17 years (in 1987). In 2026, he is 56 years old and has 172 validated quarters including 166 contributed. Normal legal age: 64 years. Start before 18 years: YES ✓ (17 years). Quarters: 172 validated ✓, 166 contributed ✓ (>164 required). Jean can retire from 60 years (in 2030) AT FULL RATE without penalty. He gains 4 years early retirement! QUARTERS TAKEN INTO ACCOUNT: Contributed: All worked quarters (employment, self-employed). Assimilated counting as contributed (4 quarters maximum for long career): Illness/Work accident: 4 quarters max. Maternity: ALL quarters. Disability: ALL quarters. Military/civic service: 4 quarters max. Compensated unemployment: 4 quarters max. Assimilated NOT counting: Uncompensated unemployment. Early retirement. Validation under AVPF (stay-at-home parent). PITFALLS TO AVOID: Incomplete youth years: If at 17 years you only validated 2 quarters (summer job), these 2 count but 2 missing for 'complete year'. Solution: Possible buyback of study quarters or incomplete years. Child quarters: The 8 quarters child allowance do NOT count as contributed for long career (except 4 maternity quarters). Foreign periods: If you worked in EU, quarters count via bilateral agreements. Outside EU: Check conventions. PROCEDURES: Request your career statement on info-retraite.fr. Verify ALL your youth quarters are registered (summer jobs, apprenticeship). 2 years before desired departure, make 'long career preliminary verification' request with CNAV. If missing quarters, regularize via supporting documents (pay slips, employer certificates). 6 months before, file long career early retirement application. FINANCIAL IMPACT: Leaving 4 years earlier = 4 years salary less (example: €35,000 × 4 = €140,000 gross not received). BUT 4 years pension more (example: €1,500 × 12 × 4 = €72,000 additional pension). Variable balance depending on salary vs pension. If high salary > 2× pension, leaving earlier = financial loss. If salary close to pension, leaving earlier = free time gain without big money loss. 2023 REFORM: No tightening for long career (identical conditions). But required contribution duration increases for recent generations (172 quarters vs 166 before).

Retirement Savings Plan (PER) is savings product created in 2019 to prepare your retirement in addition to mandatory pensions. It replaces old schemes (PERP, Ma... Retirement Savings Plan (PER) is savings product created in 2019 to prepare your retirement in addition to mandatory pensions. It replaces old schemes (PERP, Madelin, Article 83, PERCO). PER combines tax advantages at entry and flexibility at exit. OPERATION: You pay money into your PER (free payments, when you want, free amount). These payments are invested (usually in stocks/bonds via managed or free management funds). At retirement, you recover your capitalized savings either as CAPITAL (lump sum), or as LIFE ANNUITY (monthly payments for life), or MIXED (part capital + part annuity). TYPES OF PER: Individual PER (PERIN): Open to ALL (employees, self-employed, civil servants, unemployed). Voluntary payments only. Subscription: Banks, insurance, mutual. Collective Company PER (PERECO): Offered by employer, open to all employees. Payments: voluntary + employer contribution + employee savings (profit-sharing, incentive). Mandatory Company PER (PERO): Offered by employer, mandatory for certain categories (e.g. executives). Payments: employer + employee (mandatory contributions). MAJOR TAX ADVANTAGE: Your voluntary PER payments are DEDUCTIBLE from your taxable income within limit: Employees: 10% of activity income year N-1, capped at €35,194 in 2026. Self-employed/TNS: 10% of profit + 15% between 1× and 8× PASS, cap ~€83,000. TAXATION EXAMPLE: You earn €40,000/year, MTR (Marginal Tax Rate) = 30%. You pay €4,000 into PER. Tax saving: €4,000 × 30% = €1,200. Real payment cost: €4,000 - €1,200 = €2,800. Higher your MTR, stronger advantage. At 41%, €4,000 paid = €1,640 saved. At 11%, €4,000 paid = €440 saved. EXIT TAXATION: If CAPITAL exit: Capital not taxed (you already constituted it). Only GAINS (capital gains) taxed at PFU (Flat Rate Levy) 30% or IR scale if more advantageous. If ANNUITY exit: Annuity taxed as retirement pension (after 10% deduction). Social levies 10.1% on annuities. AUTHORIZED EARLY RELEASES: Normally, PER locked until retirement. BUT you can release before retirement in these cases: Main residence purchase (first acquisition). Death spouse/PACS partner. Disability (you, spouse, children). Over-indebtedness. End non-employee activity following collective procedure. Unemployment rights expiry. RETURNS: Depend on management mode: Managed management (default): Automatic stocks/bonds allocation, progressively secured approaching retirement. Average return 3-5%/year over 20-30 years. Free management: You choose supports (stocks, bonds, real estate, euro funds). Variable return 0-10%/year depending on supports. Capital loss risk on stocks. Euro funds: Guaranteed 0% minimum, return 1-2.5%/year. 30-YEAR PROJECTION EXAMPLE: Payment: €300/month for 30 years = €108,000 paid. 4%/year return: Final capital ~€209,000. Gains: €101,000. Tax saving payments (MTR 30%): €108,000 × 30% = €32,400. Real cost: €108,000 - €32,400 = €75,600. Profitability: €209,000 recovered for €75,600 actually paid = +176%! FEES: Payment fees: 0-3% (avoid >1%). Management fees: 0.5-1.5%/year. Arbitrage fees: 0-1% (support change). Exit fees: Generally 0%. PER vs LIFE INSURANCE: Both complementary. Life insurance: Not tax deductible, but more flexible exit (free partial withdrawals) and optimized transmission. PER: Tax deductible (strong advantage if high MTR), but locked until retirement. OPTIMAL STRATEGY: If high MTR (30-41-45%) and retirement horizon >10 years: Favor PER (huge tax deduction). If low MTR (11%) or possible liquidity need: Favor Life insurance. Ideal: Combine both (PER for tax reduction + Life insurance for flexibility).

Your career statement summarizes ALL your validated quarters and salaries since start of activity. It is ESSENTIAL to check regularly as errors can reduce your ... Your career statement summarizes ALL your validated quarters and salaries since start of activity. It is ESSENTIAL to check regularly as errors can reduce your future pension. STATEMENT ACCESS: On info-retraite.fr (official inter-scheme site). Create account with FranceConnect or Social Security number + email. Download your Individual Situation Statement (RIS): Complete document listing year by year your quarters, salaries, employers, schemes. Updated every year in April-May. Estimate your pension (EIG - Global Indicative Estimate): Available from 55 years, simulates your pension at different retirement ages. WHAT TO CHECK? Quarters validated per year: 4 maximum/year. If incomplete year (2-3 quarters) while you worked all year, error. Reported salaries: Must correspond to pay slips. If wrong or missing salary, your SAM (Average Annual Salary) will be wrong → reduced pension. Employers: All must appear. If missing employment, quarters and salaries not counted. Unemployment periods: Quarters validated if compensated unemployment. Check with Employment Center certificates. Child allowances: 8 quarters per child for mothers (4 pregnancy + 4 education). For children born after 2010, check if 4 education quarters properly attributed (father sharing possible). Military service: Quarters validated (90 days = 1 quarter). Illness/Disability: Quarters validated if daily benefits > 60 days. FREQUENT ERRORS: Student jobs/Internships: Often not declared if non-contributing. Check paid internships counted. Small employers: Short fixed-term contracts, temp, self-employed sometimes 'forgotten' by funds. Name changes (marriage): Quarters before marriage sometimes not attached to new name. Foreign periods: If work in EU, quarters must be counted via European coordination. 1970-1980 years: Before computerization, frequent input errors. HOW TO CORRECT? On info-retraite.fr, click 'Report anomaly'. Indicate concerned period and error nature. Prepare SUPPORTING DOCUMENTS: Pay slips (mandatory to prove salary and quarters). Employment contracts (start/end dates). Employer certificates (if lost slips). Employment Center certificates (unemployment). School certificate + diploma (if study quarters buyback). Family record book (children, 8 quarters allowance). Work certificate. Previous career statements (if differences). Send complete file to your CARSAT (Retirement and Health Insurance Fund) by registered mail with acknowledgment. Or make appointment at retirement agency for file deposit. PROCESSING TIME: 2 to 6 months depending on complexity. CARSAT contacts employers, consults URSSAF archives. If validation: Your statement updated with corrected quarters/salaries. You receive confirmation letter. If refusal: You can contest via Amicable Appeal Commission (CRA), then Court if disagreement. PRESCRIPTION: None! You can correct errors even on 1980-1990 years. BUT older it is, harder to find supporting documents (disappeared employers, destroyed archives). ADVICE: Check your statement EVERY 5 YEARS, especially after employment changes. At 55 years, THOROUGH verification before retirement. 2 YEARS before desired departure, request free 'Retirement Information Interview' with advisor who checks entire statement with you and identifies errors. REAL CASE EXAMPLE: Sophie, 58 years old, checks her statement. She finds her 2005 fixed-term contract at Company X (6 months, €15,000 gross) does NOT appear. Impact: -2 validated quarters + €15,000 salary not counted in SAM. She finds 2005 pay slips, sends to CARSAT. 4 months later, corrected statement: +2 quarters, SAM +€600. Final pension impact: +€45/month or +€12,000 over 20 retirement years! IMPORTANCE: Error of 10 quarters = 2.5 years unrecognized work = -12.5% penalty on pension = -€200 to €300/month depending on salary. Over 25 retirement years: -€60,000 to -€90,000! Checking = MANDATORY.

Self-employed (craftsmen, merchants, liberal professions, auto-entrepreneurs) contribute to SAME base scheme as employees (CNAV) since 2020 (RSI → SSI merger). ... Self-employed (craftsmen, merchants, liberal professions, auto-entrepreneurs) contribute to SAME base scheme as employees (CNAV) since 2020 (RSI → SSI merger). Pension calculation IDENTICAL to employees but with some specificities. BASE SCHEME (CNAV): Formula: Pension = Average Professional Income × 50% × (Quarters / 172). Average Professional Income: Average of 25 best years of professional income (equivalent SAM employees). For auto-entrepreneurs: Turnover - Standard deduction (34-50-71% depending on activity). For classic self-employed: Fiscal profit (after expenses). Quarters: Validated according to annual income. In 2026, to validate 4 quarters/year: minimum €6,989 professional income. If lower income, partial quarters: €1,747 = 1 quarter, €3,494 = 2 qtr, €5,241 = 3 qtr. AUTO-ENTREPRENEUR EXAMPLE: Julie, self-employed in service provision (BNC), annual turnover €30,000. 34% deduction: Professional income = €30,000 × 66% = €19,800. Quarters: €19,800 > €6,989 → 4 quarters validated ✓. After 40 years, average income 25 best years = €20,000. General scheme pension = €20,000 × 50% = €10,000/year or €833/month gross. COMPLEMENTARY SCHEME: Depends on your activity. Craftsmen/Merchants (SSI): RCI complementary scheme (Self-employed Complementary Retirement). Formula: Acquired points × Point value (€1.248 in 2026). Contributions: 7% of income between 0 and PASS (€46,368) + 8% beyond. Point acquisition: Contributions / Purchase price point. Julie example (€20,000 average income): Annual contributions = €20,000 × 7% = €1,400. Points/year = €1,400 / ~€18 purchase price = 78 points. Over 40 years: 78 × 40 = 3,120 points. Complementary pension = 3,120 × €1.248 = €3,894/year or €325/month. Liberal Professions: Different schemes by profession (CNAVPL). 10 professional sections: CIPAV (consultants, trainers, architects...), CARMF (doctors), CARPIMKO (nurses, physio...), CARPV (veterinarians), CAVP (pharmacists), etc. Variable contributions and pensions by section. CIPAV example: Points acquired by income, point value ~€0.605. Average pension: €400-600/month complementary. JULIE TOTAL PENSION (AUTO-ENTREPRENEUR 40 YEARS): Base scheme: €833/month. RCI complementary: €325/month. GROSS TOTAL: €1,158/month. Net after CSG/CRDS 9.1%: €1,053/month. SELF-EMPLOYED SPECIFICITIES: Activity start: First years often low income (few quarters). Solution: Buy back study quarters or incomplete years. Variable income: High profit years count in 25 best (positive SAM impact). Deficit years: 0 quarter validated (negative impact). Strategy: Smooth income if possible. Micro-enterprise (auto-entrepreneur): Simple contributions but standard deduction reduces professional income taken into account. For €50,000 turnover service provision (34% deduction), income = €33,000 only for retirement. Classic self-employed with €50,000 real profit counts €50,000 for retirement (better). Multi-activity: If you combine employment + self-employed, quarters of both activities accumulate (max 4/year total). Pensions add up. IMPROVE SELF-EMPLOYED RETIREMENT: Regularize incomplete years: Buy back missing quarters (studies, weak income years). Optimize status: If high income (>€50k), EURL/SASU may be more advantageous than micro (better retirement). Retirement savings: Mandatory PER (high tax deduction for self-employed: up to €83,000/year deductible!). Madelin retirement (old, replaced by PER). Life insurance in addition. Continue activity after 64 years: Bonus +1.25%/quarter beyond 172 quarters. Employment-retirement combination: Resume self-employed activity after pension liquidation (additional income). PITFALLS: Micro-enterprise does NOT contribute enough if low turnover. With €15,000 turnover service provision, pro income = €9,900 → only 3-4 quarters. Over 40 years with always low income, very low base scheme pension (€400-600/month). CIPAV complexity: Opaque point calculations, frequent disputes. Check career statement annually. ADVICE: If you're self-employed with correct income (>€30k/year), your retirement will be SIMILAR to equivalent employee. If low income (<€20k/year), very low retirement (€800-1,000/month total) → retirement savings ESSENTIAL (PER).
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Infos clés 2026

  • Âge légal : 64 ans
  • Durée : 172 trimestres
  • Taux plein : 50% SAM
  • Décote : -1.25%/trim
  • Surcote : +1.25%/trim

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Ressources utiles

Info-retraite.fr (officiel) Guide réforme 2023 Simulateur rachat trimestres
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