64 or 65? Pension reform has been on everyone’s lips since the end of the summer and that’s not going to change right away. Indeed, the government continues its consultations, discussing with the unions, the employers and the members of the oppositions. The objective: to achieve a pension reform that satisfies its ambitions, without upsetting the political class and society too brutally. A missed bet in advance? Not necessarily.

Pension reform has been Macron’s flagship project since his first term in 2017. Aborted by the health crisis, it is back in force for his second term… Under a different version. The Head of State has unveiled in recent months some avenues studied by the government, particularly with regard to the age of departure. The latter would be set at 65 because, according to the president: “If we want to succeed, if we want to move forward, we have no choice but to work more”.

Nevertheless, he is ready to make a concession concerning this new course: lowering it by one year. A starting age of 64? That’s good news… Or not. During his interview on France 2 Wednesday, October 26, Emmanuel Macron conditioned him to a longer period of contributions, currently set at 43 years in his reform project. Will it be necessary to contribute at 44 or 45 to be able to leave at 64? Nothing has leaked out, but that wouldn’t be a surprise because you have to get money into the pension funds.

What impact would this retirement age have on you and your rights? In what year will you be authorized to retire, if the legal threshold is set at 64? We have done the calculation for you below, for French people born between 1966 and 1980…