Discover how the Agricultural Social Mutual Fund - Agricultural Employees Scheme works, a base scheme scheme managed by MSA (Mutualité Sociale Agricole). Contribution rates, calculation rules and eligible professions.
Scheme type
Base scheme
Legal retirement age
64 years
Average pension
€1,150/month
Total
17.75%
The pension scheme for agricultural employees (farm workers, cooperative employees...).
Managing organization
MSA (Mutualité Sociale Agricole)
Year founded
1961
Calculation method
Quarter-based system
Full pension age
67 years
Full pension quarters
172
| Type | Rate | Ceiling | Description |
|---|---|---|---|
| Employee | 6.9% | 1 PASS | Employee contribution capped |
| Employee | 0.4% | — | Employee contribution uncapped |
| Employer | 8.55% | 1 PASS | Employer contribution capped |
| Employer | 1.9% | — | Employer contribution uncapped |
| Total | Employee: 7.30%Employer: 10.45% | ||
PASS 2024: 46 368 € (3 864 €/month)
Agricultural hardship
Recognition of hardship for certain agricultural work.
Same rules as general scheme
Calculation on best 25 years, same early/late retirement adjustments.
Employees of farms, cooperatives, agricultural works companies.
Gross salary: 3 500 € | Career duration: 42 years
Calculate your personalized pension under MSA Employees with your salary and actual situation.
Start my simulation →Data based on official 2024/2025 rates from MSA (Mutualité Sociale Agricole). 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 →