I earn 1800 euros per month: this is the amount of my pension

How much money can you earn on a median salary 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 “world after”, 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 evaluate the amount of their future pension. Between the career to rebuild, the organizations to contact and the papers to provide, it's a real obstacle course.

However, things are tending to get simpler. The info-retraite website allows, on its personal space, to have an initial overview of the amount for which the person is eligible. But this is only indicative and does not take into account all the elements specific to each person. While the median salary in the private sector is 1850 euros per month, how much would the pension funds pay to a former employee having received this remuneration?

For a non-executive born in 1963 and who started working in the private sector at the age of 20, he or she will be able to retire at full rate in November 2025, provided that he or she has accumulated the necessary 170 quarters. If today he receives 1850 euros net before taxes each month, his budget will melt by 473 euros, according to the simulation established using the site la-retraite-en-clair.fr.

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This will only be 1357 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 1602 euros when the 67-year-old is reached.

Under the same career conditions, a civil servant, whoever they are, will receive a higher retirement pension. This corresponds to 75% of the gross salary received during the last six months of their career. Thus, for a salary of 1,850 euros, the gross amount is 2,373 euros. The retirement pension will therefore amount to around 1,780 euros before taxes.

This amount can be increased thanks to the Additional Civil Service Scheme (RAFP). Please note that this only calculates the supplement based on bonuses and other exceptional remuneration (but not all!) received during the career. Given the highly individualized nature of the calculation, it is not possible to estimate this additional income.

These figures are only hypotheses based on a linear career, without any 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 be easily done online on the Service-public.fr website.