Pension calculator for France
Estimate your state pension in France: gross and net amount, retirement age and how much to save to close the gap.
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Popular questions
How much will my pension be in France?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 3,602 EUR per month who keeps working until 64 can expect about 1,737 EUR net per month in today's money.
At what age can I retire in France?
For someone aged 40 today the statutory retirement age is 64. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in France?
Legal age from 62 and 9 months (born 1964) to 64 (born 1969 or later). Full rate requires 170 to 172 quarters, or age 67. Basic pension = average salary (capped at 48,060 EUR) x rate (50% at full rate, minus 0.625 points per missing quarter) x quarters / quarters required. Agirc-Arrco: points bought at 20.1877 EUR, each worth 1.4386 EUR of yearly pension. Pensioners pay CSG, CRDS and CASA (up to 9.1%) and income tax.
How much should I save for retirement in France?
With a salary of 3,602 EUR per month, the estimated pension covers about 53.7% of your gross salary. To reach 70% you would need to save about 254 EUR per month, assuming a 3% real return.
How the pension is calculated in France
A French private-sector pension has two parts: the basic pension from the Assurance retraite (CNAV), up to 50% of your average salary capped at the social security ceiling, and the complementary Agirc-Arrco pension, which works with points. The 2023 reform has been suspended for people retiring from September 2026, so the legal age and quarters required depend on your year of birth.
- Legal age from 62 and 9 months (born 1964) to 64 (born 1969 or later). Full rate requires 170 to 172 quarters, or age 67.
- Basic pension = average salary (capped at 48,060 EUR) x rate (50% at full rate, minus 0.625 points per missing quarter) x quarters / quarters required.
- Agirc-Arrco: points bought at 20.1877 EUR, each worth 1.4386 EUR of yearly pension.
- Pensioners pay CSG, CRDS and CASA (up to 9.1%) and income tax.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 2,200 EUR | 1,182 EUR | 1,182 EUR | 53.7% |
| 3,602 EUR | 1,935 EUR | 1,737 EUR | 53.7% |
| 5,500 EUR | 2,773 EUR | 2,334 EUR | 50.4% |
Minimum pension and retirement age
The minimum contributory pension (minimum contributif) is 756.29 EUR per month, or 903.93 EUR with 120 quarters contributed, for a full-rate pension. The ASPA guarantees a minimum income of 1,043.59 EUR for a single person.
Frequently asked questions
What is the minimum pension in France?
The minimum contributory pension (minimum contributif) is 756.29 EUR per month, or 903.93 EUR with 120 quarters contributed, for a full-rate pension. The ASPA guarantees a minimum income of 1,043.59 EUR for a single person.
What does the calculator not include?
Long career early retirement, child and care quarters, other pension schemes (public sector, self-employed), survivor pensions and the minimum contributif top-up are not included.
Is this an official pension calculation?
No. It is an informational estimate based on 2026 rules published by the official sources listed on this page. For your exact entitlement, check your personal pension statement or ask the pension authority.
Sources and disclaimer
These results are an informational estimate in today's money. We use the 2026 rules and amounts published by the institutions below and check them when the rules change. Real pensions depend on your full insurance record. Long career early retirement, child and care quarters, other pension schemes (public sector, self-employed), survivor pensions and the minimum contributif top-up are not included.