Discover how the AGIRC-ARRCO Supplementary Pension Scheme works, a complementary scheme scheme managed by Fédération AGIRC-ARRCO. Contribution rates, calculation rules and eligible professions.
Scheme type
Complementary scheme
Legal retirement age
64 years
Average pension
€520/month
Total
29.46%
The mandatory supplementary pension scheme for all private sector employees. Operates on a points system.
Managing organization
Fédération AGIRC-ARRCO
Year founded
2019
Calculation method
Points-based system
Full pension age
67 years
Full pension quarters
172
Point value
1.4159 €
| Type | Rate | Ceiling | Description |
|---|---|---|---|
| Employee | 3.15% | 1 PASS | Employee contribution tier 1 (up to 1 PASS) |
| Employer | 4.72% | 1 PASS | Employer contribution tier 1 (up to 1 PASS) |
| Employee | 8.64% | 1-8 PASS | Employee contribution tier 2 (1 to 8 PASS) |
| Employer | 12.95% | 1-8 PASS | Employer contribution tier 2 (1 to 8 PASS) |
| Total | Employee: 11.79%Employer: 17.67% | ||
PASS 2024: 46 368 € (3 864 €/month)
Postponement bonus
10% to 30% increase if retirement postponed by 2 to 4 years after full pension age.
Solidarity coefficients
10% penalty for 3 years if retiring at legal age, cancelled if retirement postponed by one year.
Mandatory for all private sector employees contributing to the general scheme.
Gross salary: 3 500 € | Career duration: 42 years
Calculate your personalized pension under AGIRC-ARRCO with your salary and actual situation.
Start my simulation →Data based on official 2024/2025 rates from Fédération AGIRC-ARRCO. The calculation example uses URSSAF rates and a 6% yield (inflation-adjusted). Actual amounts may vary based on your personal situation.
Learn more about our methodology →