Discover how the Agricultural Social Mutual Fund - Self-Employed Farmers 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
€880/month
Total
23.78%
The pension scheme for farmers, farm operators and family helpers.
Managing organization
MSA (Mutualité Sociale Agricole)
Year founded
1952
Calculation method
Mixed system
Full pension age
67 years
Full pension quarters
172
| Type | Rate | Ceiling | Description |
|---|---|---|---|
| Self-employed | 17.54% | 1 PASS | Capped pension contribution (AVI + AVA) |
| Self-employed | 2.24% | — | Uncapped pension contribution |
| Self-employed | 4% | — | Mandatory supplementary pension contribution (RCO) |
| Total | Self-employed: 23.78% | ||
PASS 2024: 46 368 € (3 864 €/month)
Mandatory RCO
Mandatory supplementary pension since 2003 to improve pensions.
PMRA
Increased reference pension for long agricultural careers.
Dual AVI + AVA scheme
Two base schemes: flat rate (AVI) + proportional (AVA).
Farm operators, family helpers, agricultural operation collaborators.
Gross salary: 3 500 € | Career duration: 42 years
Calculate your personalized pension under MSA Farmers 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 →