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I'm preparing for retirement
Verified 26 August 2025 - Directorate of Legal and Administrative Information (Prime Minister)
You are close to retirement or professional events (a period of unemployment, an expatriation,...) lead you to wonder about their effects on your retirement? We present you the information to know, the services offered by the official website Info Retraite, the steps to take.
What applies to you ?
To facilitate your search for information and your steps related to your retirement, we recommend that you log in to your retirement account on the official public website Info Retraite.
The retirement account is a online service which allows you to:
- To access custom information on your pension rights
- D'run simulations (including the amount of your retirement pensions)
- And ofcomplete all steps online necessary for your retirement.
The official public website Info Retraite is the common site all mandatory pension plans.
Your retirement account group, throughout your career, all information concerning your pension rights acquired from your various pension funds.
Whatever your situation and career path, you have an account on the Info Retraite website and you can log in and access it at any time.
The retirement account allows you to read all the information about your retirement and to take all the necessary steps, regardless of the pension fund or funds to which you have rights.
This video presents useful information to help you access your retirement account:
Vidéo - The retirement account
To access your personal information, log in to your retirement account:
Step-by-step approach
Pension plans is another term for what is commonly called pension funds.
During a professional career, you contribute mandatory one or more pension funds.
In France, retirement is managed by several pension funds which apply different rules for calculating contributions and pensions.
A distinction is made between:
- Schemes of basic retirement
- And the regimes of supplementary pension.
The majority of professionals are required to contribute to a basic pension fund and a supplementary pension fund.
But some professions have only one pension fund (for example, farmers: MSA: titleContent, lawyers: the French National Bar Association (CNBF).
Pension plans can be annuity plans or point plans:
- In a annuity pension plan, the retirement pension shall be calculated on the basis of reference salary and a liquidation rate which may be reduced according to the insured's quarterly pension insurance period compared to a required pension insurance period.
For example, the retirement pension paid by the Retirement Insurance is calculated on the basis of a reference salary equal to the average annual salary of the insured person's best 25 years within the limit of the amount of the monthly Social Security ceiling.
The rate of liquidation applicable to that reference salary is fixed at 50%. This rate is reduced when the insured has a pension insurance period shorter than the required pension insurance period.
For example, for an insured person born from 1965, the required period of insurance is 172 quarters. The rate of 50% is reduced when the insured retires without having those 172 quarters.
Most basic pension plans operate on an annuity basis. - In a pension plan by points, pension contributions are converted throughout the career into pension points on the basis of purchase value the pension point set by the pension scheme concerned.
Upon retirement, earned pension points are converted back into a retirement pension based on a liquidation value it is also set by the pension scheme concerned.
Most supplementary pension schemes operate in points.
You can find the list of basic and supplementary pension funds to which you have contributed during your career and their contact details, on your retirement account, under My career / My pension plans.
Retirement Information Interview allows you to take stock of your career, get simulations of your retirement amount and ask questions to an expert.
The Retirement Information Interview can provide you with information about:
- Your rights with your various pension funds, basic and supplementary
- The evolution of your rights, taking into account your choices and career hazards (periods of training, unemployment, part-time, illness, maternity, etc.)
- The future amount of your pension at different ages (minimum legal retirement age, age at which you can benefit from a full pension,...)
- Measures to improve the amount of your retirement: surcharge, quarter buybacks, gradual retirement, job-retirement accumulation, etc.
You can benefit from an interview from the age of 45.
You can request a retirement information interview, by phone, mail or e-mail, at one of the pension funds to which you have contributed.
The details of the basic and supplementary pension funds you have contributed to during your career are available in your retirement account, under My career / My pension plans.
You can form a personalized information brochure on your pension rights according to your professional background and personal situation using the following service:
My retirement application, instructions for use
You can view your brochure online or download it as a PDF and print it out.
The career statement summarizes your professional career and your pension rights recorded for each of your activities.
The career statement allows you to consult the information known about your pension plans since the beginning of your professional activity.
The career statement allows you to know what your duration of pension insurance (counted in quarters) and what is your number of retirement points.
Pension insurance quarters are accounted for differently by pension plan.
If you are covered by Social Security Retirement Insurance, the quarters are validated according to the annual amount of your income subject to contributions. The number of quarters validated does not depend on the number of calendar quarters worked except the year of retirement.
Since 2014, the minimum income to validate 1 quarter is equal to the amount of the Smic: titleContent gross hours in effect at 1er January of the year multiplied by 150 hours, €1,782.00 in 2025.
Thus, to validate:
- 1 quarter, you need a gross annual income of €1,782.00
- 2 quarters, you need a gross annual income of 2 times €1,782.00, or €3,564
- 3 quarters, you need a gross annual income of 3 times €1,782.00, or €5,346
- 4 quarters, you need a gross annual income of 4 times €1,782.00, or €7,128.
Pension contributions are calculated each month within the limit of the monthly Social Security ceiling (€3,925 gross in 2025). Therefore, the Pension Insurance is valid for a maximum of 2 quarters in one month.
Before 2014, the minimum income to validate 1 quarter was as follows:
- From 1972 to 2013: Hourly minimum wage gross in effect during each period worked, multiplied by 200 hours
- Before 1972: quarterly amount of the old-age workers' allowance (AVTS) determined at 1er January of each year in which you worked.
The year you retire, the number of quarters selected is the combination of the number of quarters validated by your salary limited to the number of calendar quarters worked on the date of your retirement.
In the event of retirement duringcalendar yearHowever, the contribution count ends on the last day of the calendar quarter preceding the date of your retirement.
For example, in case of retirement at 1er in september, the contribution count ends on 30 june. Even if your salary is valid for 4 quarters, only 2 are retained.
When you retire, your number of quarters of pension insurance determines whether you are entitled to a full basic pension.
You can view your career statement at any age in your retirement account under My career / See my career.
You can download your career statement in PDF format and print it out.
From the age of 55, you can request correction if you notice errors, especially if professional periods are not taken into account.
You have to do that sign in to your retirement account with FranceConnect and use the service My career / Correcting my career :
You can track the status of your application in your retirement account using the service My steps / Follow my requests.
Certain periods during which you do not contribute to retirement may, however, be taken into account if you make a voluntary contribution.
The periods concerned may thus be redeemed and are then taken into account in the calculation of your number of pension insurance quarters and/or in the calculation of your number of pension points.
Most pension plans allow the following periods to be bought back:
- Years of higher education
- Incomplete years, that is, years that are not fully taken into account for retirement because you have not contributed all year.
Other periods may give rise, under conditions, to the redemption of quarters exclusively from Retirement Insurance.
The redemption request must be made to your basic pension fund and/or your supplementary pension fund.
By logging into your retirement account, you will access information about redemption options offered by the pension funds to which you have rights:
Know if your pension plans allow quarter buybacks
To find out how to apply, the amount of the buyback and the conditions of payment of voluntary contributions, contact your pension fund.
You find the list of pension funds basic and additional contributions you have made during your career and their contact details, on your retirement account, under My career / My pension plans :
Your children can have an impact on your retirement age and the amount of your pension.
The children concerned are the children you have had and/or the children you have adopted and/or the children you have raised (including the children of your spouse).
You can declare your children in your retirement account using the service My steps / Declare my children.
If you have more than one child, you must report for each child.
One instructions for use is available to help you with your process.
You have automatically of a prevention professional account (C2P) if you meet the following 2 conditions:
- You have an employment contract of at least 1 month
- And you are exposed to 1 or more occupational risk factors.
If the duration of your employment contract is greater than or equal to the calendar year, you receive 4 points per occupational risk factor to which you are exposed each year.
If your contract starts or ends during the year, points are counted per 3-month contract period.
Each 3-month exposure period to one or more occupational risk factors entitles you to a number of points equal to the number of occupational risk factors to which you are exposed.
The points obtained are recorded in your professional prevention account.
The first 20 points are reserved for funding training.
The points scored beyond these first 20 points can be used for acquire quarters of pension insurance.
10 points entitle you to 1 quarter supplementary pension insurance with the Pension Insurance.
You can convert up to 80 points in 8 quarters additional pension insurance.
You can apply to use your points to fund retirement insurance quarters and retirement before the statutory retirement age from the age of 55.
You can consult your professional prevention account and request the conversion of your points into retirement insurance quarters on the site dedicated to C2P, from your personal space:
Your periods of unemployment are taken into account, under certain conditions, by the Social Security Retirement Insurance when calculating your number of quarters of pension insurance, regardless of which pension fund or funds you contributed to before or after these periods of unemployment.
Periods of activity abroad are taken into account for your retirement under different conditions depending on whether you are posted employee or expatriate employee on local contract and according to your host country.
This service allows you to obtain information on the inclusion of years worked abroad:
Know the impact on your French retirement of periods worked abroad
You can also consult our page related to effects of posting abroad or expatriation on retirement.
Minimum legal age
The age at which you can retire depends on your year of birth:
You were born: | You can retire from: |
|---|---|
In 1962 | 62 years and 6 months |
In 1963 | 62 years and 9 months |
In 1964 | 63 years |
In 1965 | 63 years and 3 months |
In 1966 | 63 years and 6 months |
In 1967 | 63 years and 9 months |
From 1er January 1968 | 64 years |
Early retirement
There are several schemes for early retirement, i.e. before the minimum retirement age applicable according to the year of birth.
These early retirement schemes include:
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Retirement for long career
The Early Departure for Long Career Scheme allows you to retire before the legal minimum age if you started working before 21.
You must have a determined number of pension insurance quarters contributors (all pension plans combined) a number of which were under 16, 18, 20 or 21 years of age.
You can find the insurance duration conditions to meet according to your personal situation using the following simulator:
Retirement for disability
There are several ways to retire earlier if you have a disability:
- You can retire from 55 years if you have exercised your professional activity while suffering from a permanent disability at least equal to 50% and if you have a minimum number of contributory pension insurance quarters (all pension plans combined).
- You can retire at full rate from 62 years , regardless of your number of quarters of pension insurance, if you are found unfit for work and have a permanent disability of at least 50%.
This service lets you know if you are eligible for early retirement for disability:
Know the conditions for early retirement for disability
Depending on the pension plan you depend on, other arrangements may allow you to retire before the legal minimum age, especially if you are official.
Progressive retirement allows, at the end of their career, work part-time and to perceive, at same time, a part of his retirement pensions (basic and complementary).
From 1er september 2025, phased retirement is possible from the age of 60.
And you must also justify at least 150 quarters with one or more basic pension funds.
Warning
Some supplementary pension schemes do not allow phased retirement.
This service allows you to better know the conditions of gradual retirement according to your activity:
Know the conditions for gradual retirement
You can simulate the amount of your phased retirement in your retirement account using the service My Retirement Estimate / Customize my estimate, then Simulate my gradual retirement :
When you take your final retirement, the amount is calculated by taking into account the periods contributed during your phased retirement.
You can simulate the amount of your retirement pensions in your retirement account using the service My Retirement Estimate.
You can:
- Either consult an estimate generated automatically from the information known to your pension funds (quick estimate)
- Either make a personalized estimate by changing your starting age, adding missing periods and future changes (children, new status, expatriation, progressive retirement, job-retirement accumulation, etc.).
Some important concepts to know about the amount of the pension:
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Full Rate
In basic annuity pension plans, the pension is granted at full rate if you meet one of the following 2 conditions:
- You retire between the legal minimum age of departure (which depends on your year of birth) and 67 years with a fixed number of quarters of pension insurance
- Or you retire at age 67, regardless of your number of quarters of retirement insurance.
If you retire before age 67, without the required number of quarters of pension insurance, you are not entitled to a full pension. In this case, the amount of your retirement pension is reduced according to the number of quarters you are missing. This reduction is called the haircut.
The number of quarters required to qualify for a full rate pension is as follows:
You were born: | You can retire from: | Number of quarters required to have the full rate |
|---|---|---|
Between 1er January 1958 and December 31, 1960 | 62 years | 167 (41 years 9 months) |
Between 1er January 1961 and August 31, 1961 | 62 years | 168 (42 years old) |
Between 1er September 1961 and December 31, 1961 | 62 years and 3 months | 169 (42 years 3 months) |
1962 | 62 years and 6 months | 169 (42 years 3 months) |
1963 | 62 years and 9 months | 170 (42 years 6 months) |
1964 | 63 years | 171 (42 years 9 months) |
1965 | 63 years and 3 months | 172 (43 years) |
1966 | 63 years and 6 months | 172 (43 years) |
1967 | 63 years and 9 months | 172 (43 years) |
From 1er January 1968 | 64 years | 172 (43 years) |
Supplementary point-based pension schemes may also provide for arrangements for reducing or increasing the number of points, in particular according to retirement age and/or length of service.
For example, the supplementary retirement pension of theAgirc-Arrco: titleContent is granted at full rate provided that you are also entitled to a basic pension from the Full Rate Retirement Insurance.
Discount
The discount is a reduction which is applied to amount of the retirement pension when you retire without being entitled to a full pension.
Basic pension schemes such as supplementary pension schemes may provide for haircut schemes.
Find the conditions of application of the discount in the basic pension plan of the Retirement Insurance.
Overcoat
The surcote is a increase in the amount of the retirement pension which is applied when you continue to work while you qualify for a full pension.
Basic pension schemes such as supplementary pension schemes may provide for haircut schemes.
Find the conditions of application of the surcote in the basic pension plan of the Retirement Insurance.
In addition to the mandatory contributions to a basic pension fund and a supplementary pension fund (or a single pension fund for certain professions), you can also be affiliated by your employer to a retirement savings product or have voluntarily taken out individual retirement savings.
The section My retirement savings contracts from your retirement account, you can check whether you have retirement savings products and, if so, consult them.
Before applying for retirement, you can find out about the conditions under which you can accumulate your retirement pensions and income from work if you plan to pursue a professional activity while retired.
This service allows you to know the rules to respect according to your professional situation:
Progressive retirement
You can request your progressive retirement in your retirement account, using the service My steps / Apply for my graduated retirement.
This service allows you to do one request, which is automatically transmitted to all pension funds basic and complementary to which you have rights.
To apply for a progressive retirement, you must have a progressive retirement certificate completed by your employer. It must be attached to your application.
Employer certificate for your pension plans - Progressive retirement
Please note
The employer certificate is not mandatory if you are a liberal professional, self-employed, public servant or employee of private employers.
You must also attach a bank statement to your application for graduated retirement and, if you have children, a copy of your family record book or adoption judgment.
You must apply for progressive retirement at least 5 months before the start date desired.
The online application form for progressive retirement is personalized and pre-filled with certain information.
The online application is done in 2 steps
Based on the information you provide in 1re part of the form (activity and effective date of the progressive retirement in particular), it is indicated to you if you can obtain the progressive retirement on the desired date.
If this is the case, you access the 2e part of the form. If not, a message tells you why and who to contact if you have any questions.
When entering your information, you can return to the previous step at any time.
You can also save your application and come back to it later. It is kept for 90 days.
As you complete the form, you will see a list of supporting documents to attach. You can add them by photographing them with the application scanner My retirement account.
At the last step, a summary is available to allow you to check and modify your information if necessary.
You are informed by e-mail of the sending of your request to your various pension funds and you can download the summary of your request.
Your pension funds may contact you if they need clarification.
You can track the status of your application in your retirement account using the service My steps / Follow my requests .
Permanent retirement
You can choose your retirement date. However, depending on your pension plan, you may be subject to certain conditions.
If you are covered by Social Security Retirement Insurance, the chosen retirement starting point must be 1er day of one month and may not be earlier than the date of filing of your application.
If you submit your application on 1er On the day of a month, you can request that the starting point of your retirement be set on the day of filing your application.
If you do not specify a departure date, it is automatically set to 1er the day of the month following the date of receipt of your request.
The earliest date you can retire depends on whether you were born on the 1ster day of a month or other day:
Born on the 1st day of a month
If you were born on 1er on the day of a month, you can apply to retire as soon as on your birthday at the minimum age of departure.
Example :
You were born on 1er october 1963, you can retire from 62 years and 9 months or 1er July 2026. You can apply to retire from 1er July 2026.
Born another day
If you were born on a day other than 1er on the day of a month, you can apply to retire from 1er day of the month that follows your birthday month at the minimum age of departure.
Example :
You were born on October 14, 1963, you can retire from 62 years and 9 months or from July 14, 2026. You can apply to retire from 1er August 2026.
You can apply for your retirement in your retirement account, using the service My steps / Applying for retirement.
This service allows you to do one request which is automatically transmitted to all pension funds basic and supplementary pension to which you are entitled.
Before starting your online process, the help tool called My credentials allows you to obtain a list of the main supporting documents that you will need to attach to your application.
Obtain a list of supporting documents to attach to a retirement or reversion application
You must apply for retirement at least 5 months prior to departure desired.
The online retirement application form is personalized and pre-filled with certain information.
You must complete it and attach the requested scanned or photographed evidence.
When entering your information, you can return to the previous step at any time.
You can also save your application and come back to it later. It is kept for 90 days.
You can track the status of your application in your retirement account using the service My steps / Follow my requests.
Online service
Online service
Online service
Retirement Union Public Interest Grouping
National Old-Age Insurance Fund
Agirc-Arrco Federation
State Pensions Service (SRE) - Ministry of Public Finance
National Pension Fund for Local Government Employees (CNRACL)
Public Service Additional Retirement Institution (PSRA)
Supplementary pension institution for non-permanent civil servants (Ircantec)
Public Health France
Retirement Info