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.

フランス2026年最新版金融・投資

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 (€).

退職・年金年金基金資産管理・遺産

計算結果

Pension Brute Mensuelle Eur

€1,500

入力パラメータ

Average Annual Salary across 25 Best Years

€

クイック選択:

Total Validated Insurance Quarters

時間/週

クイック選択:

Pension Brute Mensuelle Eur

€1,500

Pension Brute Annuelle Eur

€18,000

Taux Liquidation Applique Percent

50 %

Statut Trimestres

Taux Plein Validé (172/172)

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

本計算機は、一般的な財務試算、計画および参考を目的とした数学的モデルです。算出結果はお客様の入力値および標準計算式に基づくものであり、拘束力のある金融・税務・投資の助言を構成するものではありません。財務上の決定を行う前に、必ず専門家にご相談ください。

Official Statute: Code de la sécurité sociale (Art. L. 351-1 et suivants - Réforme des retraites CNAV / Assurance retraite, âge légal et trimestres requis)Last Verified: 2026-08-31

計算方法と根拠

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.

よくある質問 (FAQ)

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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フランス

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

入力パラメータ

計算方法と根拠

よくある質問 (FAQ)

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