Simulator Pensions CNAV 2026 - Basic Pension France

Calculate your CNAV pension 2026. Full rate 50% with 172 quarters. Reductions 1.25% for each missing quarter.

Career Data

Average age of 25 with highest incomes (revalued)
Valid trimesters matured (max 172 for full rate)
Birth year (affects pension age)

Pension Calculation CNAV 2026

Base rate (full rate)50.0%
Trim down section (22 Missing quarters)- 13.75%
Interest Rate (taux reduit)36.25%
Proportion (150/172)87.2%
Annual gross pension11 065 EUR
Estimated monthly gross pension922,06 Per month

Basic CNAV pension without complementary coverage from AGIRC-ARRCO. For total pension use the fr-retraite-complementaire simulator as well.

Come utilizzare Simulatore Pensione CNAV 2026 - Pensione di Base Francia

Insert annual average salary (AAS)

Annual Average Salary (SAM) and the average of your 25 highest-earning years, adjusted for inflation. You can find it in your Career Record CNAV.

Insert valid quarters

Triquarters are valid if you've earned at least 150 times the daily minimum wage in the quarter. For 2026, 172 quarters are required for full rate (born after 1965).

Read your CNAV estimated pension

Pension is calculated as: SAM x Rate x (Quarters / 172). Full rate is 50%. Below 172 quarters, a deduction of 1.25% per missing quarter applies.

Suggerimenti

  • Check your Career Record on info-retraite.fr to see your valid quarters and estimated SAM.
  • You can redeem missing quarters (under certain conditions) to improve your rate.
  • Concession of a 10% bonus applies after raising at least three children who were at least 9 years old before their 16th birthday.
  • Survivor's Reversion Pension (60% of deceased spouse's pension can be requested by the surviving spouse.)

Domande frequenti

What is the CNAV pension (retraite CNAV)?

The Caisse Nationale d'Assurance Vieillesse (CNAV) manages the basic state pension of the general scheme for private-sector employees. The maximum pension is 50% of the Social Security ceiling (EUR 2,589.48/month for 2026).

What is the SAM?

The Salaire Annuel Moyen (SAM, average annual salary) is the revalued average of the 25 highest-earning years of the career. Considered income is capped at the Social Security ceiling (EUR 46,368/year in 2026).

What happens if I don't have 172 quarters?

A reduction (decote) applies: each missing quarter out of the required 172 reduces the rate by 1.25% (25% maximum). Alternative: wait until age 67, when the full rate applies automatically regardless of quarters.

Is the CNAV pension sufficient?

The basic CNAV pension rarely exceeds 50% of the SAM. For most workers, the AGIRC-ARRCO supplementary pension is necessary to achieve adequate retirement income.