Supplementary Pension Institution for Non-Tenured Public Employees: Complete Pension Guide 2026

Last updated: January 2026
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IRCANTEC Pension

Discover how the Supplementary Pension Institution for Non-Tenured Public Employees works, a complementary scheme scheme managed by Caisse des Dépôts et Consignations. Contribution rates, calculation rules and eligible professions.

Key Figures

Scheme type

Complementary scheme

Legal retirement age

64 years

Average pension

€180/month

Total

26.50%

Overview

The supplementary scheme for public sector contract workers. Operates on a points system.

Managing organization

Caisse des Dépôts et Consignations

Year founded

1970

Calculation method

Points-based system

Full pension age

67 years

Full pension quarters

172

Point value

0.5149

Contribution Rates

TypeRateCeilingDescription
Employee2.8%1 PASSEmployee contribution tier A
Employer4.2%1 PASSEmployer contribution tier A
Employee6.95%1-8 PASSEmployee contribution tier B
Employer12.55%1-8 PASSEmployer contribution tier B
TotalEmployee: 9.75%Employer: 16.75%

PASS 2024: 46 368 € (3 864 €/month)

Rules and Benefits

Other rules

Points system

Pension calculated as number of points x point value.

Combination with general scheme

Contract workers also contribute to the general scheme for base pension.

Eligible Professions

Non-tenured agents of the State, local authorities and public institutions.

Calculation Example

Example scenario

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

IRCANTEC

Estimated pension1 913 €/month
Total contributed491 980 €

With capitalization

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

FAQ

What is IRCANTEC?
Supplementary Pension Institution for Non-Tenured Public Employees is a complementary scheme managed by Caisse des Dépôts et Consignations. The supplementary scheme for public sector contract workers. Operates on a points system.
What is the IRCANTEC contribution rate?
IRCANTEC contributions are: 2.8% (employee contribution tier a), 4.2% (employer contribution tier a), 6.95% (employee contribution tier b), 12.55% (employer contribution tier b). The total rate is approximately 26.50%.
At what age can you retire with IRCANTEC?
The legal retirement age is 64. For a full pension without penalty, the age is 67 or 172 quarters contributed.
What is the average IRCANTEC pension?
The average pension paid by IRCANTEC is approximately €180 per month. This amount varies based on contribution duration and income.
Which professions contribute to IRCANTEC?
Non-tenured agents of the State, local authorities and public institutions. Among eligible professions: Civil Servant.

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 →