Pension reform has reshuffled the cards for many people. If you have questions about your future, use this online service to find out exactly at what age you can leave, and with what pension.
Retirement is a complex system. The age from which you can take it and especially the amount of pension to which you are entitled are determined by many factors and calculation rules. In addition, the reform of the retirement system, adopted in force by the French Government in 2023, has further complicated things, by pushing back the minimum retirement age for a large part of the population and by introducing a whole series of measures to exception for certain professions.
Fortunately, you don’t need to know all these rules inside out or do lots of complicated calculations to find out your retirement age and pension amount. A free online service is made available to all citizens by the GIP Union Retraite, an organization bringing together all pension plans in France. Accessible from the official Info-retraite.fr website, this tool allows you to simulate your future retirement pension taking into account the specificities of your career.
You can access this simulator, called M@rel, for free and easily by logging into your Retirement Account via the France-Connect system, with your Health Insurance or Tax identifiers for example.
Once connected, you will then access a very simple simulator which will instantly tell you the different ages at which you can retire and the corresponding pension amounts. You can also personalize this simulation to take into account changes in your career, such as retraining, sabbatical leave or starting a business.
In addition, M@rel gives you access to a complete history of your career to date, in the form of easy-to-understand timelines and tables. You will find all your periods of employment and the number of quarters contributed for each of them. This way, you will be able to very easily identify missing periods, which may not have been correctly declared by your employers, for example. You can then do what is necessary to correct the situation, by contacting the pension funds indicated on M@rel, to provide them with the missing supporting documents and thus correct your simulation.