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I'm preparing for my retirement
Verified 19 September 2023 - Legal and Administrative Information Directorate (Prime Minister)
I want to retire. To do this, I learn about the different retirement options available to me. Then I choose when I'm going to retire.
What applies to you ?
Private sector employee
I'm inquiring about the minimum age from which retirement is possible.
In some situations, early departure is possible:
- If I started working young, for a long career
- If I'm in disability status
- If I was exposed to asbestos in my professional life
I inquire about the conditions of departure in phased retirement.
I am inquiring about the conditions for obtaining a basic pension at full rate and the Arco-Agric Supplementary Retirement.
I am inquiring about the conditions of quarter buyback.
I create a retirement account on the official website Retirement Info.
This will allow me to access personalized information and to carry out my demarches and simulations online when the time comes.
I can look at my career record.
The service My career My retirement account displays my career path chronologically.
A color code allows me to identify the different periods of my journey: activities recorded by my pension funds, periods for which my pension funds do not have information, incomplete years, etc.
I can spot any anomalies:
- If I am under 55, I ask for corrections from my pension funds, whose details are provided to me.
- If I'm over 55, I can apply directly to my pension account in the department Correct my career.
The service My Retirement Estimate from my retirement account allows me to simulate the amount of my retirement at different starting ages.
This service offers me 2 ways to get a simulation of my pension amount:
- Or by directly accessing my estimate from data known to my pension funds
- Either by checking my situation and supplementing it, if necessary, by my family situation, the number of my children and their date of birth and my current professional situation
The results indicate for each starting age, the number of quarters and the monthly amount of retirement possible.
The amounts shown are gross but it is possible to consult the net amounts before tax.
For each proposed retirement age, I can obtain the composition of my pension amount: for example, the amount of my basic pension and the amount of my supplementary pension.
I can also find out if a discount rate (discount) or a increase is applied to me.
Finally, I can simulate other starting ages than those proposed.
Once the results are displayed, I can go further in customizing by changing elements of my past situation (for example, periods to be completed) or my future situation (for example, the evolution of my salary or a change in my activity rate).
If I intend to continue working (whether as an employed person or not) after retirement, I shall inform myself beforehand of the cumulation conditions of my retirement pension with income from activities.
I am inquiring about the steps to be taken to apply for my retirement.
I'm looking into the retirement benefits from which I may eventually benefit from my employer.
The service My Retirement Savings Agreements from my retirement account allows me to consult the list of additional retirement savings products, individual or group contracts, that I benefit from.
I benefit from it, if I, or perhaps one of my employers, have made voluntary contributions to one or more supplementary pension management organizations.
These may include the following retirement savings plans:
- People's Retirement Savings Plan (Perp)
- Group Retirement Savings Plan (Perco)
- Retirement Savings Plan (RIP)
I have access to contact details of management bodies with which I have a savings contract.
Official
I'm inquiring about the minimum age from which retirement is possible.
In some cases, early departure is possible:
- If I started working young, for a long career
- If I have worked with a disability
- If I am parent of a child with a disability of 80% or more
- If I was exposed to asbestos in my professional life
- If I am permanently unfit in the performance of my duties (disability)
- If I have or my spouse has infirmity or incurable illness making the exercise of any profession impossible
I inquire about the conditions of departure in phased retirement.
I am inquiring about the conditions for obtaining a basic pension at full rate and the supplementary pension.
I am inquiring about the conditions of redemption of my post-graduate years.
I create a retirement account on the official website Retirement Info.
This will allow me to access personalized information and to carry out my demarches and simulations online when the time comes.
I can look at my career record.
The service My career My retirement account displays my career path chronologically.
A color code allows me to identify the different periods of my journey: activities recorded by my pension funds, periods for which my pension funds do not have information, incomplete years, etc.
I can spot any anomalies:
- If I am under 55, I ask for corrections from my pension funds, whose details are provided to me.
- If I'm over 55, I can apply directly to my pension account in the department Correct my career.
The service My Retirement Estimate from my retirement account allows me to simulate the amount of my retirement at different starting ages.
This service offers me 2 ways to get a simulation of my pension amount:
- Or by directly accessing my estimate from data known to my pension funds
- Either by checking my situation and supplementing it, if necessary, by my family situation, the number of my children and their date of birth and my current professional situation
The results indicate for each starting age, the number of quarters and the monthly amount of retirement possible.
The amounts shown are gross but it is possible to consult the net amounts before tax.
For each proposed retirement age, I can obtain the composition of my pension amount: for example, the amount of my basic pension and the amount of my supplementary pension.
I can also find out if a discount rate (discount) or a increase is applied to me.
Finally, I can simulate other starting ages than those proposed.
Once the results are displayed, I can go further in customizing by changing elements of my past situation (for example, periods to be completed) or my future situation (for example, the evolution of my salary or a change in my activity rate).
If I intend to continue working (whether as an employed person or not) after retirement, I shall inform myself beforehand of the cumulation conditions of my retirement pension with income from activities.
I am inquiring about the steps to be taken to apply for my retirement.
The service My Retirement Savings Agreements from my retirement account allows me to view the list of additional retirement savings products that I receive.
I benefit from it, if I, or perhaps one of my employers, have made voluntary contributions to one or more supplementary pension management organizations.
I have access to the details of the management organizations with which I have a savings agreement.
Public Service Contractor
I'm inquiring about the minimum age from which retirement is possible.
In some cases, early departure is possible:
- In some situations, early departure is possible:
- Under the same conditions as a private sector employee, if I started working young, for a long career
- If I'm in disability status
- If I was exposed to asbestos in my professional life
I inquire about the conditions of departure in phased retirement. It's the same as a private sector employee.
I am inquiring about the conditions for obtaining a basic pension at full rate and the supplementary pension.
I am inquiring about the conditions of quarter buyback. It's the same as a private sector employee.
I create a retirement account on the official website Retirement Info.
This will allow me to access personalized information and to carry out my demarches and simulations online when the time comes.
I can look at my career record.
The service My career My retirement account displays my career path chronologically.
A color code allows me to identify the different periods of my journey: activities recorded by my pension funds, periods for which my pension funds do not have information, incomplete years, etc.
I can spot any anomalies:
- If I am under 55, I ask for corrections from my pension funds, whose details are provided to me.
- If I'm over 55, I can apply directly to my pension account in the department Correct my career.
The service My Retirement Estimate from my retirement account allows me to simulate the amount of my retirement at different starting ages.
This service offers me 2 ways to get a simulation of my pension amount:
- Or by directly accessing my estimate from data known to my pension funds
- Either by checking my situation and supplementing it, if necessary, by my family situation, the number of my children and their date of birth and my current professional situation
The results indicate for each starting age, the number of quarters and the monthly amount of retirement possible.
The amounts shown are gross but it is possible to consult the net amounts before tax.
For each proposed retirement age, I can obtain the composition of my pension amount: for example, the amount of my basic pension and the amount of my supplementary pension.
I can also find out if a discount rate (discount) or a increase is applied to me.
Finally, I can simulate other starting ages than those proposed.
Once the results are displayed, I can go further in customizing by changing elements of my past situation (for example, periods to be completed) or my future situation (for example, the evolution of my salary or a change in my activity rate).
If I intend to continue working (whether as an employed person or not) after retirement, I shall inform myself beforehand of the cumulation conditions of my retirement pension with income from activities.
It's the same as a private sector employee.
I am inquiring about the steps to be taken to apply for my retirement.
The service My Retirement Savings Agreements from my retirement account allows me to view the list of additional retirement savings products that I receive.
I benefit from it, if I, or perhaps one of my employers, have made voluntary contributions to one or more supplementary pension management organizations.
I have access to the details of the management organizations with which I have a savings agreement.
Online service
Online service
Public interest grouping "Union retirement"
National old-age insurance fund
Agirc-Arco Federation
State Pension Service (SRE) - Ministry of Public Finance
National Pension Fund for Local Government Officials (CNRACL)
Additional Public Service Pension Institution (PSPRA)
Supplementary pension institution for non-permanent officials of the State and public authorities (Ircantec)
Public Health France