Profiles
Resident employee
The most common case: you contribute through your employer to the general scheme (CNAP).
How your pension is built
Each month worked (at least 64 hours) counts as a period of insurance. The pension contribution rate is 25,5 % in 2026, shared between you, the employer and the State. Your income, up to the contributable ceiling (5× the minimum social wage), feeds the proportional increments.
Your optimisation levers
Working a little longer (without a reduction), baby years, retroactive purchase to fill gaps in your career, and taxation (3rd pillar, supplementary company scheme).
Estimate your pension
The calculator reproduces the legal formula, and the comparator quantifies the effect of leaving at 57, 60 or 65 years of age based on your profile.
Legal basis: art. 171 and 214 of the Code de la sécurité sociale.