Discover how the Autonomous Pension Fund for French Doctors works, a special / autonomous scheme scheme managed by CARMF. Contribution rates, calculation rules and eligible professions.
Scheme type
Special / autonomous scheme
Legal retirement age
64 years
Average pension
€2,850/month
Total
20.84%
The pension scheme for self-employed doctors (general practitioners and specialists).
Managing organization
CARMF
Year founded
1948
Calculation method
Points-based system
Full pension age
67 years
Full pension quarters
172
| Type | Rate | Ceiling | Description |
|---|---|---|---|
| Self-employed | 8.23% | 1 PASS | Base scheme contribution |
| Self-employed | 9.8% | 3.5 PASS | Supplementary scheme contribution |
| Self-employed | 2.81% | — | ASV contribution (conventional practitioners) |
| Total | Self-employed: 20.84% | ||
PASS 2024: 46 368 € (3 864 €/month)
Doctors ASV
Generous additional scheme for conventional doctors, 2/3 funded by Health Insurance.
Work-pension combination
Full combination possible after claiming all pensions.
Spouse increase
Pension increase for dependent spouse.
Self-employed doctors, GPs and specialists, conventional or not.
Gross salary: 3 500 € | Career duration: 42 years
Calculate your personalized pension under CARMF with your salary and actual situation.
Start my simulation →Data based on official 2024/2025 rates from CARMF. The calculation example uses URSSAF rates and a 6% yield (inflation-adjusted). Actual amounts may vary based on your personal situation.
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