Discover how the Pension Fund for Chartered Accountants and Auditors works, a special / autonomous scheme scheme managed by CAVEC. Contribution rates, calculation rules and eligible professions.
Scheme type
Special / autonomous scheme
Legal retirement age
64 years
Average pension
€1,650/month
Total
14.23%
The pension scheme for self-employed chartered accountants and auditors.
Managing organization
CAVEC
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 | 6% | 8 classes | Supplementary scheme contribution (8 classes) |
| Total | Self-employed: 14.23% | ||
PASS 2024: 46 368 € (3 864 €/month)
Class choice
8 contribution classes to choose based on income and wealth strategy.
Disability-Death
Disability-death coverage included in contributions.
Chartered accountants and auditors registered with the Order.
Gross salary: 3 500 € | Career duration: 42 years
Calculate your personalized pension under CAVEC with your salary and actual situation.
Start my simulation →Data based on official 2024/2025 rates from CAVEC. 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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