How much does the median salary allow you to receive in retirement?
This is the big worry when leaving the world of work approaches: what retirement pension will be paid once we have moved into the “next world”, that of retirees? For many French people, this is the main question to be able to anticipate their budget and calculate their expenses accordingly. However, it is not easy to assess the amount of your future pension. Between the career to rebuild, the organizations to contact and the papers to provide, it’s a real obstacle course.
However, things tend to get simpler. The retirement info site allows you, in your personal space, to have a first overview of the amount to which the person is eligible. But this is only indicative and does not take all the elements specific to each person into account. While the median salary in the private sector is 1,850 euros per month, how much would pension funds pay to a former employee who received this remuneration?
For a non-executive born in 1963 and who started working in the private sector at the age of 20, they will be able to retire at full rate in November 2025, subject to having accumulated the necessary 170 quarters . If today he receives 1,850 euros net before taxes each month, his budget will drop by 473 euros, according to the simulation established using the site la-retraite-en-clair.fr.
This will only amount to 1,357 euros per month, before taxes. In detail, 1015 euros will be paid by the National Old Age Insurance Fund (Cnav) and 342 euros by Agirc-Arrco. This amount will increase to reach 1602 euros when the age of 67 is reached.
Under the same career conditions, a civil servant, whoever he or she may be, will receive a higher retirement pension. This corresponds to 75% of the gross salary received during the last six months of his career. Thus, for 1850 euros of salary, the gross amount is 2373 euros. The retirement pension will therefore amount to around 1780 euros before taxes.
This amount can be increased thanks to the Additional Civil Service Scheme (RAFP). Please note, this only calculates the supplement based on bonuses and other exceptional remuneration (but not all!) received during the career. Given the very individualized nature of the calculation, it is not possible to make an estimate of this additional income.
These figures here are only hypotheses based on a linear career, without a disrupted professional path. For example, they do not take into account the arrival of one or more children in the household. The objective 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. This simulation can easily be done online on the Service-public.fr website.