Estimate your French base-regime state pension (régime général). Enter your average salary, quarters validated and required, and see the monthly pension with taux plein or decote applied.
How to use the Pension Estimator
Enter your Salaire Annuel Moyen (SAM): the average of your 25 best salary years. It is capped at the PASS (48,060 EUR in 2026).
Enter the number of trimestres validés (quarters you have validated) and the trimestres requis for your birth year (172 is the standard target).
Read the estimated monthly base pension and the rate applied. Remember this excludes the Agirc-Arrco complementaire.
Frequently asked questions
The SAM is the average of your 25 best gross annual salaries, capped each year at the PASS (plafond annuel de la Securite sociale). In 2026 the PASS is 48,060 EUR. Salaries above this ceiling do not increase the base pension.
The taux plein is 50 %. It applies when you have validated the required number of trimestres for your generation (typically 172, i.e. 43 years) or when you reach the age for automatic taux plein (67 for most people). If you retire earlier with fewer quarters, a decote of 1.25 % per missing quarter is applied, up to a maximum of 20 quarters.
The decote is a reduction of 1.25 % of the rate for each trimestre missing below the required total, capped at 20 trimestres (25 % reduction). For example, missing 8 quarters reduces the rate from 50 % to 40 %.
No. This estimator covers only the regime general base pension. The Agirc-Arrco complementaire is an entirely separate pension scheme that adds substantially on top. Your total retirement income will be the sum of both pensions.
The PASS (48,060 EUR), the taux plein (50 %), and the decote (1.25 % per quarter) are the 2026 values for the regime general. The required number of trimestres depends on your birth year; 172 is used for people born from 1965 onwards under the 2023 reform. Parameters may change as pension reform legislation evolves.
This calculator estimates the regime general base pension using the official formula: SAM (capped at the PASS) multiplied by the rate (taux plein reduced by any decote) multiplied by the prorata (validated quarters divided by required quarters, capped at 1).
It is a planning tool only and does not constitute retirement advice. The Agirc-Arrco complementaire pension is not included. All calculations run in your browser; no data is sent to any server.
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