Supplemental Retirement Simulator AGIRC-ARRCO 2026

Estimate your complementary pension AGIRC-ARRCO 2026. Value per point: €1,4159 EUR. Calculate accumulated points and estimated monthly income considering the solidarity coefficient.

Pension Parameters

Monthly gross current salary
Info-retraite.fr > Individual Situation Report
Future Work Years Before Retirement
Frame: ~6.2% (T1) or ~7.8% (T2). Non-frame: ~3.15%
Exit before age 67: possible penalty of 10% (solidarity coefficient)

Pension Estimate AGIRC-ARRCO

Total estimated points
21 006,1
Point value: 1.4159 EUR
Monthly income (full rate)
2 478,54 EUR
29 742,52 Yearly rate
After solidarity contributions (83%)
2 057,19 Per month per euro
Departure before age 67
Points already acquired500
Points to Gain (15 Years)20 506,1
Total points at retirement21 006,1

Come utilizzare Simulatore Pensione Complementare AGIRC-ARRCO 2026

Insert monthly gross salary

Monthly gross salary determines the calculation basis for your annual points from AGIRC-ARRCO.

Insert points already earned

Find your AGIRC-ARRCO points in your "Career Record" on info-retraite.fr. If you don't know the number, estimate 100-200 points per year of work.

Indicate future work years

How many years do you think you'll work before retirement? More years = more points accumulated.

Insert contribution rate

Standard rate for employees (staff) is approximately 6.2% (employee's share) + 1.27% CEG. For non-staff: 3.15% (T1). Check on your pay stub.

Suggerimenti

  • Check your Individual Situation Report (ISR) every year on info-retraite.fr. It's free and mandatory to provide up-to-date data.
  • Bonus AGIRC-ARRCO: working 1-4 years beyond full pay increases pension by 1.25% per year (up to +10%).
  • Concessionary retirement income taxed as ordinary income (IR) plus reduced CSG/CRDS rate to 6.6% (reduced rate for non taxable pensioners).
  • Periods of illness, maternity, and paid unemployment entitle you to free points.

Domande frequenti

What is the AGIRC-ARRCO supplementary pension?

It is the mandatory French supplementary pension. Since 2019, AGIRC (executives) and ARRCO (all employees) have been merged into a single scheme. Points are accumulated throughout the working life. It is managed jointly by employer and union bodies.

How does the points system work?

Every year, contributions are paid that purchase points at the "prix d'achat du point" (purchase price of the point, EUR 1.9048 in 2026). At retirement, points are multiplied by the "valeur de service du point" (service value of the point, EUR 1.4159 in 2026) to calculate the annual pension.

What is the coefficient de solidarite (10% penalty)?

If you retire before age 67 without the full rate, a 10% penalty applies for 3 years (or until age 67). This is the "coefficient de solidarite". The 83% calculation shown in the tool is a simplified estimate.

Can I buy back quarters to increase my points?

Yes. The "rachat de trimestres" (buy-back of quarters) allows you to purchase periods of study, inactivity, or unpaid part-time work. It is costly but can significantly increase the pension if done before age 45-50.