Discover how the Pension Fund for Pharmacists works, a special / autonomous scheme scheme managed by CAVP. Contribution rates, calculation rules and eligible professions.
Scheme type
Special / autonomous scheme
Legal retirement age
64 years
Average pension
€2,100/month
Total
18.63%
The pension scheme for self-employed pharmacists (retail, laboratory...).
Managing organization
CAVP
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 | 10.4% | 5 PASS | Supplementary scheme contribution |
| Total | Self-employed: 18.63% | ||
PASS 2024: 46 368 € (3 864 €/month)
Year buyback
Possibility to buy back years of study or internship.
Proportional contribution
Contributions proportional to income for better equity.
Pharmacy owners, biologists, industry pharmacists.
Gross salary: 3 500 € | Career duration: 42 years
Calculate your personalized pension under CAVP with your salary and actual situation.
Start my simulation →Data based on official 2024/2025 rates from CAVP. 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 →