Buying back retirement quarters
Twelve quarters at most across all grounds, two options that do not produce the same pension — 14 029,41 € against 15 000 € on the same file —, a price driven by age and income, and a deduction from taxable income that changes the real cost. Three modules on a payment that improves the pension without ever bringing the departure date forward. Explanations and sources are free to read.
Intermediate3 modules27 minModule 1 free to read
2026 rules — verified on September 12, 2026
Figures are tied to dated, sourced tax constants. A module whose rules have changed is flagged for review, and is unpublished automatically beyond 90 days.
By the end of this course, you can…
These outcomes are the modules' own: the promise cannot say anything the course does not teach.
- Identify the three families of periods that can be bought back
- Know the shared ceiling of twelve quarters and everything it covers
- Check the age conditions, which differ from one ground to another
- Understand what a bought-back quarter never grants
- Tell apart the option acting on the rate from the one acting on the duration too
- Compute a reduction and measure what each option takes away from it
- Understand the rule of the most favourable count of missing quarters
- Know that internships only ever open the first option
- Identify the three parameters that set the price of a buy-back
- Know the instalment periods available according to the number of quarters
- Measure the effect of the deduction from taxable income
- Follow the procedure and its deadlines, implicit rejection included
The programme, module by module
Each module has its own page. Durations are derived from the actual text, never announced by hand.
- Module 19 minFree — no accountWhat can be bought back, and up to what limitWhat you will be able to do
- Identify the three families of periods that can be bought back
- Know the shared ceiling of twelve quarters and everything it covers
- Check the age conditions, which differ from one ground to another
- Understand what a bought-back quarter never grants
- Module 29 minIncluded in the full courseThe two options, and what they changeWhat you will be able to do
- Tell apart the option acting on the rate from the one acting on the duration too
- Compute a reduction and measure what each option takes away from it
- Understand the rule of the most favourable count of missing quarters
- Know that internships only ever open the first option
- Module 39 minIncluded in the full courseThe cost, the instalments and the deductionWhat you will be able to do
- Identify the three parameters that set the price of a buy-back
- Know the instalment periods available according to the number of quarters
- Measure the effect of the deduction from taxable income
- Follow the procedure and its deadlines, implicit rejection included
What you take away
A handout you keep, not just a page you read. The sections are derived from the course itself: what is announced here is exactly what gets generated.
Participant handout (PDF)
PDF
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Exercise workbook (Word)
Word
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Answers live in a separate appendix: the participant handout and the workbook stay distributable before the exercise.
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Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.