Supplementary pension for a civil servant (Rafp)
Verified 09 January 2026 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)
As a public servant, you are required to contribute to the Supplementary Public Service Retirement Plan (SPRP). The RAFP is a supplementary retirement pension to your mandatory basic retirement from SRE: titleContent (if you are a public official) or CNRACL: titleContent (if you are a territorial or hospital official). We present you the main rules of supplementary retirement.
The RAFP: titleContent is a compulsory supplementary pension scheme reserved for civil servants.
RAFP was set up from 2005.
When you retire, you receive a supplementary RAFP pension in addition to your basic civil servant pension paid by the SRE: titleContent or the CNRACL: titleContent.
To benefit from the supplementary pension, you must meet the following 2 conditions:
- Be admitted to retirement with the SRE: titleContent if you are a public official, or CNRACL: titleContent, if you are a territorial or hospital official
- Have reached at least the statutory retirement age.
Warning
If you have early retirement (for invalidity, long career, disability, parent of a disabled child), you must still wait until you reach the statutory retirement age to apply for your supplementary pension.
Remuneration taken into account
You contribute to the RAFP: titleContent on the basis of the following remuneration elements:
- Premiums and allowances of any kind
- Benefits in kind
- Any other remuneration on which you do not contribute to the civil and military retirement pension plan or to the CNRACL: titleContent.
Benefits in kind (e.g. accommodation or company vehicle) are taken into account for their tax-declared value.
All of these remuneration elements are taken into account within the limit of 20% the amount of your index treatment annual gross.
FYI
Specific provisions are provided for civil servants serving in Wallis and Futuna, French Polynesia, Saint Pierre and Miquelon or New Caledonia to benefit from additional pension points.
Contribution rate
You contribute up to 5% remuneration taken into account.
Your employer administration too.
Example :
If you receive gross index treatment of €28,000 per year and premiums for a total annual gross amount of €7,200, you contribute up to a maximum of 20% from €28,000, or €5,600. Your contribution annual is of €5,600 x 5% = €280. The annual amount of employer contributions in your employer's administration is the same.
The RAFP: titleContent is a regime of point retirement.
Your contributions are converted into pension points and, upon retirement, these pension points are converted into a retirement pension.
What is the number of points accumulated?
The amount of your employee contributions and employer contributions paid by your employer administration is divided by the purchase value of the pension point.
The result obtained is rounded to the upper point.
In 2026, the purchase value of the point is set at €1.4596.
The purchase value varies by year.
Example :
If the amount of your employee and employer contributions €450 in 2026, you get 319 points (450/1.4596 = 308.3036 rounded to 309).
The points earned each year are accumulated throughout your career.
You can simulate the number of points accumulated:
How is the supplementary retirement pension calculated?
The calculation of your retirement depends on the number of points you have accumulated during your career:
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Up to 4,899 points
The RAFP: titleContent pays you a pension in the form of a lump sum when you retire.
The amount of this capital is calculated according to the following formula:
Number of points accumulated x Service value of the point in effect at the date of departure x Increase coefficient (variable according to your age) x Capital conversion coefficient (variable according to your age)
The point service value in 2026 is €0.05671.
The mark-up coefficient (surcharge) varies according to your age at the date of your retirement admission, as follows:
Age of applicant | Surcharge rate |
|---|---|
62 years | 1 |
63 years | 1.04 |
64 years | 1.08 |
65 years | 1.12 |
66 years | 1.17 |
67 years | 1.22 |
68 years | 1.28 |
69 years | 1.33 |
70 years | 1.40 |
71 years | 1.47 |
72 years | 1.54 |
73 years | 1.62 |
74 years | 1.71 |
75 years of age or older | 1.80 |
The capital conversion coefficient varies according to your age at the date of your retirement admission, as follows:
Age of applicant | Conversion coefficient |
|---|---|
62 years | 27.11 |
63 years | 26.34 |
64 years | 25.57 |
65 years | 24.79 |
66 years | 24.02 |
67 years | 23.25 |
68 years | 22.47 |
69 years | 21.70 |
70 years | 20.92 |
71 years | 20.15 |
72 years | 19.37 |
73 years | 18.61 |
74 years | 17.84 |
75 years of age or older | 17.07 |
Example :
If you have accumulated 4,400 points and apply for retirement in 2026 at age 63, the amount paid to you is €6,835.36 (4400 x 0.05671 x 1.04 x 26.34).
You can perform a simulation of the amount of your pension:
From 4,900 points to 5,124 points
The RAFP: titleContent pays you a pension in the form of a lump sum.
A 1re Your share of this capital is paid to you upon retirement.
The balance is paid no later than the 16the month after you retire.
The amount of this capital is calculated according to the following formula:
Number of points accumulated x Service value of the point in effect at the date of departure x Increase coefficient (variable according to your age) x Capital conversion coefficient (variable according to your age)
The point service value in 2026 is €0.05671.
The mark-up coefficient (surcharge) varies according to your age at the date of your retirement admission, as follows:
Age of applicant | Surcharge rate |
|---|---|
62 years | 1 |
63 years | 1.04 |
64 years | 1.08 |
65 years | 1.12 |
66 years | 1.17 |
67 years | 1.22 |
68 years | 1.28 |
69 years | 1.33 |
70 years | 1.40 |
71 years | 1.47 |
72 years | 1.54 |
73 years | 1.62 |
74 years | 1.71 |
75 years of age or older | 1.80 |
The capital conversion coefficient varies according to your age at the date of your retirement admission, as follows:
Age of applicant | Conversion coefficient |
|---|---|
62 years | 27.11 |
63 years | 26.34 |
64 years | 25.57 |
65 years | 24.79 |
66 years | 24.02 |
67 years | 23.25 |
68 years | 22.47 |
69 years | 21.70 |
70 years | 20.92 |
71 years | 20.15 |
72 years | 19.37 |
73 years | 18.61 |
74 years | 17.84 |
75 years of age or older | 17.07 |
The amount of the 1re share of capital is calculated according to the following formula:
Number of points accumulated x Service value of the point in effect at the date of departure x Coefficient of increase (variable according to your age) / 12 x 4
Example :
If you have accumulated 5,000 points and apply for retirement in 2026 at age 63, the total amount of principal owed to you is €7,767.45(5,000 x 0.05671 x 1.04 x 26.34).
The amount of the 1re share of this paid-up capital upon retirement is €98.30 (5,000 x 0.05671 x 1.04 / 12 x 4).
The balance of the paid-up capital by the 16the next month.
You can perform a simulation of the amount of your pension:
5,125 points or more
The RAFP: titleContent pays you a pension, paid each month to term expired.
The annual amount of your pension is calculated using the following formula:
Number of points accumulated x Service value of the point in effect on the date of departure x Coefficient of increase (variable according to your age)
The point service value in 2026 is €0.05671.
The mark-up coefficient (surcharge) varies according to your age at the date of your retirement admission, as follows:
Age of applicant | Surcharge rate |
|---|---|
62 years | 1 |
63 years | 1.04 |
64 years | 1.08 |
65 years | 1.12 |
66 years | 1.17 |
67 years | 1.22 |
68 years | 1.28 |
69 years | 1.33 |
70 years | 1.40 |
71 years | 1.47 |
72 years | 1.54 |
73 years | 1.62 |
74 years | 1.71 |
75 years of age or older | 1.80 |
Example :
If you have accumulated 15,000 points on your RAFP account and you apply for retirement in 2026 at age 63, the amount of your pension is €884.68 gross per annum: (15 000 x 0,05671 x 1,04), i.e €73.72 per month.
You can perform a simulation of the amount of your service:
Your supplementary retirement pension is subject to the CSG: titleContent and the CRDS: titleContent.
However, the rate are different depending on your household income.
Your supplementary retirement pension may also be subject to the solidarity contribution for autonomy (Casa).
Your supplementary pension application is made at the same time as the application for basic retirement pension.
If you die, a reversion benefit may be paid under conditions by the RAFP: titleContent to your surviving spouse, legally separated spouse, divorced ex-spouse, unless he/she is living in a couple.
A conditional benefit is also paid to your orphaned children.
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Public Service Additional Retirement Institution (PSRA)
Public Service Additional Retirement Institution (PSRA)
Public Service Additional Retirement Institution (PSRA)