How do you know what your retirement pension will look like? This is a question that bothers all or part of future retirees… often rightly so. Since French women and men are particularly unfamiliar with their rights, as shown by the recent dossier that Planet devoted to the question, based in particular on Ipsos-Le Cercle des Épargnants data, it is hardly surprising that they have difficulty estimating the future amount of their pension. All the more so, as explained by the various specialists approached by our teams, when the method of calculation can prove to be complex…
In practice, the calculation of the amount of the pension depends on several factors… And can be relatively simple to understand, when all the lights are green. In the case of a retirement at the age of the full rate and with all the quarters necessary to claim it, the formula is simple, indicates Retirement in clear on its site: the amount of the pension corresponds to 50% of the average annual salary (SAM). The latter, as Planet has already been able to write, corresponds to the average of the best 25 years of the career.
Moreover, the final retirement pension is made up of two different sources of income: the pension from the general scheme, and those from the supplementary scheme (as well as, in certain cases, that from the supplementary scheme). It depends on the number of quarters contributed for the general scheme, acquired by working and receiving payment. It is necessary to validate 150 times the hourly minimum wage over a year to obtain a quarter of contribution. But some on the side do not allow to validate these rights. Summary in our slideshow below.
