French Pension Calculator 2026
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Understanding how the French pension system works can be complex. In France, the public retirement system is divided into a basic state pension (retraite de base) managed by the Social Security, and a mandatory complementary pension system (retraite complémentaire) managed by AGIRC-ARRCO for private-sector employees. This interactive simulator projects your pension based on the 2026 legal retirement age of 64. By inputting your age, gross salary, current acquired trimestres, and AGIRC-ARRCO points, the calculator estimates your projected trimestres, state pension, points-based complementary pension, and final replacement rate.
🧮Methodology & Formula
Methodology & Formula
The calculator estimates your pension based on official French pension rules:
- Quarter (Trimestre) Requirement: Requires 172 trimestres (43 years) for a full rate (taux plein) under the 2026 reform rules. A décote of 1.25% per missing trimestre is applied if you have less (capped at 25% reduction), and a surcote of 1.25% per extra trimestre is applied if you exceed this required amount.
- Basic State Pension: Calculated on your gross salary capped at the Plafond Annuel de la Sécurité Sociale (PASS, estimated at €48,000 for 2026) multiplied by your liquidation rate (max 50%) and your prorata of trimestres.
- Complementary AGIRC-ARRCO: Projects points earned based on your salary (6.2% contribution rate up to the PASS, and 17% above) divided by the reference point purchase cost (€19.50). The total accumulated points at retirement are multiplied by the point value (€1.42).