Use this estimator to project your French retirement pension (basic + supplementary). This is an educational tool and not an official entitlement statement.
Understanding the French pension system in simple terms
A typical retirement income in France combines two layers: a basic pension (régime de base, such as CNAV for most private-sector employees) and a supplementary pension (usually AGIRC-ARRCO points for salaried workers). Your final amount depends on salary history, number of validated quarters, retirement age, and career path.
The calculator above estimates annual and monthly gross pension using a simplified framework. It is useful for planning, but your official numbers should always come from your personal pension record and pension funds.
How this French pension calculator estimates your pension
1) Basic pension estimate
The basic pension is modeled around the core French logic:
- Reference salary (your average annual salary input)
- Liquidation rate (normally around 50%, adjusted by discount or bonus)
- Insurance duration ratio (validated quarters divided by required quarters)
If you retire before meeting full conditions, a discount (décote) may apply. If you continue working beyond full-rate conditions, a bonus (surcote) may apply.
2) Supplementary pension estimate
For AGIRC-ARRCO, pension is points-based. The calculator multiplies your points by the annual point service value to estimate annual supplementary income.
3) Total pension
The calculator adds basic and supplementary pensions, then applies an optional bonus percentage for family increases or similar adjustments. Results are displayed in annual and monthly gross terms.
Inputs explained
- Birth year: used to estimate legal retirement age and default required quarters.
- Current age / planned retirement age: used to project additional quarters before retirement.
- Average annual salary: simplified stand-in for your salary base.
- Validated quarters to date: quarters already recognized in your record.
- Required quarters: can be auto-filled by birth year and manually adjusted.
- AGIRC-ARRCO points: total points accumulated for supplementary pension.
- Point service value: annual euro value of one point (changes over time).
- Bonus %: optional uplift to test family or specific increase effects.
Practical planning tips
Verify your career record regularly
Small missing periods can reduce your pension. Check your individual pension statement and correct gaps (internships, unemployment periods, parental leave, part-time years, etc.).
Model multiple retirement ages
Run scenarios at 62, 63, 64, 65, and 67. You may find that one or two extra years significantly improves your monthly pension through extra quarters, reduced discount risk, and possible surcote.
Track supplementary points
Because AGIRC-ARRCO is points-based, your total points matter greatly. Keep an eye on annual statements and reconcile any discrepancies early.
Important limitations
This page is a planning calculator, not legal advice. It does not include every rule, profession-specific scheme, tax treatment, social contributions on pensions, minimum contributory pension details, special careers, hardship provisions, or all transitional reform mechanics.
For official retirement rights and exact payment dates, consult your pension funds and your official online retirement account.