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You are preparing your retirement

Preparing and drawing my pension

A French pension is built on two tiers that are not computed the same way: the basic pension, in quarters and average annual salary, and the supplementary one, in points. Find the date you can retire on a full rate, estimate both pensions, cost the survivor's pension for a spouse, the departure allowance owed by the employer, and what paying into a retirement plan saves before you go. 8 steps, from the date to the return.

Start here: Claiming your pension

Understand: the two tiers, the quarters, the full-rate date

  1. Step 1 of 8
    CoursePaid individually25 min

    Claiming your pension

    The statutory age that only reaches 64 from the 1969 cohort, the reduction that strikes twice — on the rate and on the pro-rating —, and the second tier worth a third of the income. Three modules on a 164-quarter career where eight missing quarters cost 189.15 € a month for life. All the prose is free to read; the case study and quizzes are sold.

Estimate: retirement age, basic pension, supplementary points, survivor's pension, departure allowance, retirement-plan contribution

  1. Step 2 of 8
    CalculatorFree result

    Retirement age and quarters calculator

    Enter your year and month of birth: you get the age from which you can retire, the number of quarters required for a pension without reduction, the earliest year of departure and the age at which the full rate is granted whatever your number of quarters.
  2. Step 3 of 8
    CalculatorFree result

    Basic state pension estimate

    The basic pension equals: average annual salary of the 25 best years × rate × (quarters validated with the state pension scheme / quarters required for the full rate). The full rate is 50 %; it falls by 0.625 point per missing quarter, capped at 20 quarters, and the pension is increased by 1.25 % per quarter worked beyond the full-rate conditions.
  3. Step 4 of 8
    CalculatorFree result

    Agirc-Arrco supplementary pension

    Enter your annual gross salary: you get the base for each bracket, the contribution that actually creates rights, the points earned during the year, the total points and the gross pension they represent at the point values in force.
  4. Step 5 of 8
    CalculatorFree result

    Survivor's pension calculator

    Enter the deceased's basic retirement pension, your annual resources and your household situation: you get the theoretical 54% survivor's pension, the applicable resource ceiling, any reduction and the monthly amount actually retained.
  5. Step 6 of 8
    CalculatorFree result

    Retirement indemnity calculator

    Voluntary retirement: 1/2 month of salary from 10 years of seniority, 1 month from 15 years, 1.5 months from 20 years, 2 months from 30 years, all subject to contributions and taxable. Employer-initiated retirement: at least the statutory severance pay (1/4 of a month per year up to 10 years, 1/3 beyond), exempt from income tax and from contributions within limits.
  6. Step 7 of 8
    CalculatorFree result

    PER deduction ceiling calculator

    Employee: your ceiling is 10% of the previous year's professional income (capped at 8 times that year's social security ceiling), with a minimum of 10% of that ceiling. Self-employed deducting from profit: 10% of the profit of the payment year (capped at 8 times that same year's social security ceiling), plus 15% of the portion between 1 and 8 times that ceiling, with the same minimum.

Report: the pensions received, on the income tax return

  1. Step 8 of 8
    FormFree30 min

    French form 2042 — income-tax return

    The annual individual return: deadlines by département, key boxes (salaries, capital, property), annexes, flat-tax vs scale option and mistakes to avoid.

The other paths

A different procedure, the same principle: the three pillars in order.

Read in French