France · EUR · Pension guide

France pension and retirement planning guide

Take a personal Info Retraite estimate and build a spending plan around it. Explore the gap between leaving work, receiving each pension and drawing on accessible savings.

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What can this calculator estimate?

It compares spending, manually entered pensions and accessible savings in EUR, in today's purchasing power.

Use your own after-tax pension estimate. Read the full example

01

Use the career-based official estimate

Mon estimation retraite uses rights recorded across pension schemes and shows estimates for different retirement ages. Start there to check your career record and obtain the amount associated with your chosen date. This calculator does not calculate trimestres, points, reductions or increases.

02

Check whether the total is already combined

A consolidated pension estimate may include basic and complementary schemes. Enter that total once, or split it into components with their own dates. Adding an Agirc-Arrco payment to a total that already includes it would overstate income.

03

Put retirement savings on the same basis

A PER or other pension product can have different withdrawal choices. Check whether you will receive capital or recurring payments and use the corresponding route. The model does not calculate access rights, product taxation or pension reforms; all amounts must be supplied after tax.

Using the calculator

  1. Review your career record and age-specific estimate at Info Retraite.
  2. Check which schemes are included in the total and convert to net monthly euros.
  3. Enter accessible savings separately from capital funding annuity payments.
  4. Use today's purchasing power for every amount. Compare more than one return, spending target and planning horizon.
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Official sources & pension overviews

Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.

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