Using the information provided by the pension funds, here is how much you could receive.
This is the big question when it comes to retiring: how much pension will I receive? The transition to the post-professional world is a moment that is as eagerly awaited as it is dreaded, mainly because of the financial issue. Pensions are obviously not as high as salaries and the loss of purchasing power is not insignificant. Especially since between the organizations to contact, the documents to provide or even the calculation formulas that are hard to believe, it is difficult to have visibility on your retirement budget. However, online simulators and the information provided by pension funds allow you to give an order of magnitude.
Let’s take a private sector employee. For him, his basic pension will be calculated based on the 25 years during which he was the best paid. An average of these best salaries is then calculated. For a person who has earned around 2000 euros net per month throughout his career, this therefore represents, on average, 32,000 euros gross per year. Once the legal age (64 years) and the required number of quarters (172) are reached, the basic pension will be 1212 euros net per month. A loss of almost 800 euros? Not so fast.
In addition to the first, a supplementary pension is paid by another organization: Agirc-Arrco. This pension fund mainly concerns former private sector employees. The method of calculating the pension is more complex here. But for a career of around €2,000 net per month, a retiree will receive around €500 net extra each month. In total, the person will therefore receive around €1,712 (€1,212 basic pension + €500 supplementary pension) when they retire.
For permanent civil servants, the pension amount is a little higher after a career at 2000 euros net per month. Depending on the job, the basic pension is paid by the CNRACL or the SRE. The calculation method remains the same. This would amount to 1818 euros net per month.
But that’s not all. Civil servants are also entitled to a supplementary pension. This is very different from private sector employees. This Additional Civil Service Scheme (RAFP) only calculates the supplement based on bonuses and other exceptional remuneration received during the career. And even then, not all bonuses are taken into account. However, given the highly individualised nature of the calculation, it is not possible to estimate this supplementary income.
These figures are only hypotheses based on a linear career, without any disrupted career path. For example, they do not take into account the arrival of one or more children in the household. The objective here is only to give an order of magnitude of the remuneration that could be received. Only refined work using your income will allow you to have precise elements. The portal info-retraite.fr already gathers the necessary elements about your career and will give you a more precise assessment.