Pension insurance

Retirement pensions: what is the minimum contribution amount in 2025?

Publié le 13 février 2025 - Directorate for Legal and Administrative Information (Prime Minister)

The minimum contribution is a scheme that guarantees you, if you meet a number of criteria, a minimum retirement pension when you have contributed on low wages. If your basic pension is less than the minimum contributory pension, it is increased up to this threshold. Service-Public.fr provides you with the level of the minimum contribution in 2025 and the conditions to benefit from it.

The minimum contribution applies to retirement pensions under the Pension Insurance scheme (private sector employees, contract civil servants, heads of company, collaborating spouses, craftsmen, traders, industrialists, etc.) and the Agricultural Social Mutual Society.

Its level was upgraded by 2% on the 1er January 2025. There are 3 scenarios:

  1. When you retire before age 67 by having the required number of quarters to qualify for a full-rate pension and all these quarters are contributed, the amount of your pension cannot be less than €10,723.88 gross per year, or €893.66 gross per month (compared to €10,513.61 gross per year and €876.13 gross per month in 2024).
  2. When you retire before age 67 by having the required number of quarters to be entitled to a full-rate pension but that not all of those quarters are assessed :
    • if you have less than 120 quarters contributed, the amount of your pension may not be less than €8,972.30 gross per year, or €747.69 gross per month (2024: €8,796.38 gross per year and €733.03 gross per month);
    • if you have more than 120 quarters contributed, the amount of €747.69 gross per month is increased based on the number of quarters you have contributed to your total number of quarters.
  3. When you retire at age 67 without having the number of quarters required to qualify for a full rate pension before age 67, the amount of €747.69 gross per month is reduced according to your number of quarters compared to the number of quarters required to qualify for a full rate pension before age 67.

Example :

If you were born in 1963 and retire before the age of 67 with the 170 quarters required to qualify for a full rate pension but only 135 quarters contributed, the amount of your pension cannot be less than € 747.69 + ((€ 893.66 - € 747.69) x 135 / 169) = €863.60 gross per month.

The allocation of the minimum contribution cannot bring the total of your retirement pensions (basic and supplementary, all schemes, French and foreigners) beyond the monthly limit of personal pensions. This ceiling is revised under the same conditions as the Smic. The latest increase in the minimum wage to 1er november 2024 increased the personal pension limit to €1,394.86 gross per month This compares to €1,367.51, an increase of €27.35.

Depending on your situation, your retirement pension can be automatically adjusted to this new ceiling.

Please note

The minimum contribution should not be confused with Solidarity allowance for the elderly (Aspa) The Aspa and the minimum contribution are two very distinct schemes, both in terms of their amounts and their conditions of allocation. Unlike Aspa, the minimum contribution is not recoverable from the beneficiary's estate.

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