What is the penalty (décote) for missing insurance quarters?

Retiring before the automatic full-rate age (67) without having accumulated the required 172 quarters applies a permanent discount penalty of 1.25% per missing quarter.

Does this include mandatory private supplementary pensions?

This calculates the general base state pension (CNAV). French private sector employees also accumulate supplementary points through Agirc-Arrco.

FRFrance Pension CNAV 2026Finanzas

France Statutory Retirement Pension Calculator 2026 (CNAV & Pension Quarters)

Calculate your estimated French general regime state retirement pension (Assurance Retraite / CNAV) based on your Average Annual Wage (SAM over your 25 best years), full liquidation rate (50%), accumulated insurance quarters (trimestres), and discount/bonus factors in EUR (€).

Jubilación y Pensiones Fondos de Pensiones Patrimonio y Herencias

Resultado Calculado

Estimated Gross Monthly Base Pension (CNAV)

€0

Datos y Parámetros

Average Annual Salary across 25 Best Years (SAM EUR €)

€

Selección rápida:

Total Validated Insurance Quarters (Trimestres)

quarters

Selección rápida:

Resultado Calculado

Estimated Gross Monthly Base Pension (CNAV)

€0

Estimated Gross Annual Base Pension

€0

Applied Liquidation Rate

€0

Quarters Status (172 Required)

€0

Metodología de Cálculo

Base Pension = Average Annual Salary (25 best years) * Liquidation Rate (50% full rate) * (Validated Quarters / 172 required quarters). Early retirement without full quarters incurs a 1.25% penalty per missing quarter.

Aviso Legal e Informativo

This tool calculates statutory base pension benefits under French CNAV regulations. Supplementary Agirc-Arrco points are added on official career statements.

Esta calculadora es para fines educativos e informativos. Los resultados no constituyen asesoramiento financiero, fiscal o legal vinculante.

Preguntas Frecuentes

It multiplies your Average Annual Earnings (SAM) across your 25 highest-earning years by the 50% statutory full rate and the ratio of validated quarters to the 172 required quarters.

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France Statutory Retirement Pension Calculator 2026 (CNAV & Pension Quarters)

Datos y Parámetros

Metodología de Cálculo

Aviso Legal e Informativo

Preguntas Frecuentes

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