Pay-as-you-go vs Capitalization
Discover what you could have by investing your pension contributions instead of redistributing them.
1Your situation
EUR
SMIC 1 801,8 EUR15 000 EUR
years
years
Investment horizon : 34 years
Your salary breakdown
Super gross
4 736 €
Employer cost
Gross
3 500 €
Contract
Net
2 765 €
Before tax
Super net
2 550 €
In your account
Super gross
4 736 €
Employer cost
-42%
Gross
3 500 €
Contract
-21%
Net
2 765 €
Before tax
-IR
Super net
2 550 €
In your account
* Tax calculated for 1 tax share (single, no children) - 2025 rates
Important
This simulation is purely indicative and based on projections. Past performance does not guarantee future results. The pay-as-you-go system offers guarantees (survivor benefits, minimum pension, child supplements) not included here. Consult a financial advisor for any investment decision.