National Pension Fund for Local Government Employees: Complete Pension Guide 2026

Last updated: January 2026
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CNRACL Pension

Discover how the National Pension Fund for Local Government Employees works, a special / autonomous scheme scheme managed by Caisse des Dépôts et Consignations. Contribution rates, calculation rules and eligible professions.

Key Figures

Scheme type

Special / autonomous scheme

Legal retirement age

64 years

Average pension

€1,400/month

Total

42.75%

Overview

Common fund for local and hospital civil servants, managed by Caisse des Dépôts.

Managing organization

Caisse des Dépôts et Consignations

Year founded

1945

Calculation method

Quarter-based system

Full pension age

67 years

Full pension quarters

172

Contribution Rates

TypeRateCeilingDescription
Employee11.1%Pension deduction
Employer31.65%Employer contribution
TotalEmployee: 11.10%Employer: 31.65%

PASS 2024: 46 368 € (3 864 €/month)

Rules and Benefits

Advantages

Unified scheme

Same scheme for local and hospital staff, simplifying mixed careers.

Eligible Professions

Tenured local and hospital civil servants.

Calculation Example

Example scenario

Gross salary: 3 500 € | Career duration: 42 years

CNRACL

Estimated pension1 913 €/month
Total contributed491 980 €

With capitalization

Estimated pension7 387 €/month
Monthly gain+5 473 €

FAQ

What is CNRACL?
National Pension Fund for Local Government Employees is a special / autonomous scheme managed by Caisse des Dépôts et Consignations. Common fund for local and hospital civil servants, managed by Caisse des Dépôts.
What is the CNRACL contribution rate?
CNRACL contributions are: 11.1% (pension deduction), 31.65% (employer contribution). The total rate is approximately 42.75%.
At what age can you retire with CNRACL?
The legal retirement age is 64. For a full pension without penalty, the age is 67 or 172 quarters contributed.
What is the average CNRACL pension?
The average pension paid by CNRACL is approximately €1,400 per month. This amount varies based on contribution duration and income.
Which professions contribute to CNRACL?
Tenured local and hospital civil servants. Among eligible professions: Firefighter.

Related Schemes

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Sources and Methodology

Data based on official 2024/2025 rates from Caisse des Dépôts et Consignations. 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 →