Retirement Simulator for France

All amounts are in today's purchasing power: nominal returns are deflated by the inflation assumption and contributions are held constant in real terms. Régime général: the salaire annuel moyen is the average of the 25 best years of a salary path (today's gross salary grown by the entered real rate until work stops, the same growth backwards for the years so far), each year capped at the PASS (48,060 EUR in 2026), or the average salary entered; the years so far are the validated quarters over four (or an estimate from age 22). Quarters accrue four a year while working (a salary of at least 7,212 EUR a year, 150 SMIC hours a quarter), plus the children's quarters entered. Legal age and required duration by generation as the loi de financement de la sécurité sociale pour 2026 suspended them (62 to 64, 166 to 172 quarters). Rate 50 % less 1.25 % per missing quarter, the missing quarters being the smaller of those to the duration and those to 67, at most 20; the pension prorated by validated over required quarters; surcote of 1.25 % per quarter worked after both the legal age and the duration; capped at 50 % of the PASS before the surcote and the 10 % for three or more children; raised to the minimum contributif (756.29 EUR, 903.93 EUR with 120 contributed quarters, prorated) at the full rate while all pensions stay under 1,410.89 EUR a month. Carrières longues: departure from 58, 60, 60 to 62 (by generation) or 63 when the activity started before 16, 18, 20 or 21 and the generation's duration is contributed by then; the five-quarter condition is assumed met. Base pensions follow prices. Agirc-Arrco: points so far from the statement, or 6.20 % of the salary to the PASS and 17 % of the part above (to 8 PASS) over the purchase price of 20.1877 EUR for each year so far, plus the same for the years to come; the pension is points times 1.4386 EUR with the coefficient d'anticipation when the base is not at the full rate, the lesser of the minoration by missing quarters (1 % each to 12, then 1.25 % to 0.78 at 20) and the minoration by the age at the claim (the same scale per quarter before 67, 1.75 % per quarter below 62), and the 10 % for three children capped at 2,367 EUR; the point follows prices less the entered drift. The statement's projected pensions calibrate the average salary and the points. Income tax: one return for the household (married or PACS); pensions net of the deductible CSG (3.8, 4.2 or 5.9 points) and the 1 % health contribution, less the 10 % allowance (at least 454 EUR per pensioner, at most 4,439 EUR per household); the partner's salary net of employee contributions and the deductible CSG, less 10 % (509 to 14,555 EUR); PER capital withdrawals in full; the 2026 barème (0, 11, 30, 41, 45 % at 11,600, 29,579, 84,577 and 181,917 EUR per part) through the quotient familial with the cap of 1,807 EUR per extra half part (1,079 EUR for the case L half part of a person alone who raised a child) and the décote (897 or 1,483 EUR less 45.25 % of the gross tax). CSG, CRDS and CASA on the pensions by the band the year's revenu fiscal de référence and the parts put the household in (13,048, 17,057 and 26,472 EUR for one part, plus 3,484, 4,555 and 7,066 EUR per extra half part), with the 1 % health contribution on complementary pensions at the normal rate; the law reads the RFR of two years earlier. PER: as capital, an income pot drawn as needed, the deducted share of each withdrawal (the contributions' share of the balance at the payout) at the barème and the gain share at the flat tax of 31.4 %, drawn first up to the top of the 11 % bracket, then again after the savings; as an annuity, the balance times the entered conversion rate, fixed in nominal terms, taxed as a pension. The PER opens at the pension or at the legal age, or at the death of its holder. Assurance-vie: a pot with its own cost basis (today's value less the entered gain share, plus the premiums), drawn first each year up to the withdrawal whose gain equals the allowance (4,600 EUR, 9,200 EUR for a couple), then after the PEA and the brokerage account; gains at 7.5 % after the allowance (12.8 % on the share of premiums above 150,000 EUR per person) plus 17.2 % of social levies; contracts assumed over 8 years. PEA: social levies of 18.6 % on the gain share, assumed over 5 years. Brokerage account: the flat tax of 31.4 % on the gain share; the cost basis is today's value less the entered gain plus the savings from now on; bases are nominal, so inflation gains are taxed as in law. The headline income is the highest level monthly spending, in today's money, that the year-by-year run can finance to the plan age without a shortfall in any year; the run at your actual target reports the age at which the capital runs out. A partner is simulated on the first person's age scale with their own record, salary, claiming age and PER; their gross salary counts while they still work, taxed in the joint return with the employee contributions (vieillesse, Agirc-Arrco, CEG, CET, CSG and CRDS) as a cost. Survivor scenario: from the death the deceased's pensions stop and their unpaid PER joins the household's; the régime général réversion pays 54 % of the deceased's base pension from the survivor's 55 (at least 334.92 EUR a month with 60 quarters, plus 10 % for three children, plus 11.1 % from 67 under the quarterly ceiling), reduced by the excess of the survivor's resources (own pensions, 70 % of earned income, 3 % of the household's capital at the death, read once from a first run of the plan) over 25,001.60 EUR a year; the Agirc-Arrco réversion pays 60 % of the deceased's from 55; the return is a single person's (with the case L half part when it applies) and spending steps down to the entered share. Not modelled: civil servants' and self-employed schemes, cumul emploi-retraite, retraite progressive, the surcote parentale, the ASPA (1,043.59 EUR a month alone in 2026, recovered on the estate), the IFI, the contribution différentielle sur les hauts revenus, the five-quarter test of the long career, the transfer of an inherited PER, assurance-vie contracts under 8 years and PEA under 5 years, the 150,000 EUR PEA ceiling, remarriage. Estimates only, not financial or tax advice. Signed-in users are prefilled from their profile, pension accounts and PEA accounts; until confirmed on the profile, the gross salary is estimated as the monthly net income times 12 divided by 0.78.