I earn 2000 euros per month, this is the future amount of my pension

2024-07-17 09:20:11

Using information provided by pension funds, this is how much you can get.

Here’s the big question when you retire: How much pension will I get? The transition to the post-professional world is a time we are waiting for as much as it is dreaded, mainly because of the financial question. Pensions are obviously not as high as salaries and the loss of purchasing power is not negligible. Especially since between organizations to contact, documents to provide or even accounting procedures to sleep on your feet, it is difficult to have visibility on the budget of your retirement. However, online simulators and elements provided by pension funds make it possible to give a large order.

Let’s hire a private employee. For him, his basic pension will be calculated based on the 25 years during which he paid the best money. The average of the best salaries is then collected. For a person who earns an average of 2,000 euros per month throughout their career, this represents, on average, 32,000 euros a year. Once the legal age (64 years) and the required number of communities (172) is reached, the basic pension will be in the net amount of 1,212 euros per month. A loss of almost 800 euros? Not so fast.

In addition to the first, an additional pension is paid by another organization: Agric-Arrco. This pension mainly concerns former private sector workers. The method of calculating the pension is more complex here. But for work around 2000 € net per month, the pensioner will receive around 500 euros extra each month. On average, people will receive around 1712 euros (basic pensions 1212 euros + 500 additional pensions) when they retire.

For long-term civil servants, the pension amount is slightly higher after work at 2,000 euros per month. Depending on performance, basic pension is paid by CNRACL or SRE. The methods of calculation remain the same. This would be a total of 1818 euros per month.

But that’s not all. Civil servants are also entitled to additional pension. This is very different from private workers. The Additional Public Service Program (RAFP) only calculates a supplement based on bonuses and other exceptional payments received during the service. And again, not all bonuses are taken into account. However, for the individual nature of the calculation, it is not possible to calculate this additional income.

These figures here are only estimates based on linear performance, without interrupting professional paths. For example, they do not notice the arrival of one or more children in the house. The only goal is to dictate the amount of money you can get. Only a refined work using your income will allow you to have the necessary ingredients. Gate info-retraite.fr has gathered important elements about your work and will give you a more precise assessment.