France Retirement Calculator / Calculateur de Retraite
Plan your French retirement with our calculator designed for the French pension system. Includes Régime Général, PER (Plan d'Épargne Retraite), and private savings strategies.
Calculate your pension benefits from the general French retirement system based on contribution quarters.
Plan contributions to Plan d'Épargne Retraite (PER) and PERP with tax deduction benefits.
Incorporate Assurance-vie contracts for tax-efficient retirement income planning.
Public Pensions
- ✓ Régime Général (general scheme)
- ✓ Retirement age: 64 (after recent reforms)
- ✓ Full pension requires 172 quarters (43 years)
- ✓ Pension calculation based on best 25 years
- ✓ Supplementary pensions (AGIRC-ARRCO)
- ✓ Minimum pension guarantees
Private Savings
- ✓ PER (Plan d'Épargne Retraite) with tax benefits
- ✓ PERP individual retirement plans
- ✓ Assurance-vie tax advantages
- ✓ Employee savings plans (PEE, PERCO)
- ✓ Real estate investments
- ✓ Tax optimization strategies
Retirement Age
64
legal retirement age
Average Life Expectancy
83
years
Average Inflation Rate
2.5%
historical average
PER Contribution Limit
€20,000
typical limit
Questions Fréquentes - Retraite en France
À quel âge puis-je prendre ma retraite en France?
L'âge légal de départ à la retraite est de 64 ans après la réforme de 2023. Pour une pension à taux plein, vous devez avoir cotisé 172 trimestres (43 ans).
What is the French pension system?
France uses a pay-as-you-go system (répartition) where current workers fund current retirees. Benefits are based on your best 25 years of earnings and number of contribution quarters.
Should I use PER or Assurance-vie?
PER offers tax deductions on contributions but locked until retirement. Assurance-vie offers flexibility, tax advantages after 8 years, and inheritance benefits. Many use both strategically.