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2025 Data

Pension at €12 000 gross: Complete 2026 Simulation

Last updated: January 2026

Pension simulation at €12 000 gross/month

Do you earn €12 000 gross per month? Discover how much you really lose with the French pay-as-you-go pension system, and what you could have had with a funded system.

What you lose

Monthly loss

-10 658 €

vs funded system

Capital not built

4 325 566 €

transferable

Loss over 20 years

2 557 930 €

in retirement

What you could have had

🏛️

Pay-as-you-go (current)

Monthly pension3 761 €
Transferable capital0 €
Replacement rate3447%
📈

Funded system

Monthly annuity14 419 €
Transferable capital4 325 566 €
Gain vs pay-as-you-go+10 658 €/mois

Your situation

Gross salary

12 000 €

Pension contributions

3 252 €

Contribution period

34 years

Total contributed

1 326 618 €

Frequently Asked Questions

What pension with a salary of €12 000 gross?▼
With a salary of €12 000 gross per month, your estimated pay-as-you-go pension will be around 3 761 €/month. With a funded system, you could have 14 419 €/month.
How much do you contribute to retirement at €12 000?▼
At €12 000 gross, you contribute 1 261 € (employee share) + 1 990 € (employer share) = 3 252 € per month for your retirement.
What retirement capital with €12 000 salary?▼
By investing your contributions at 6% per year for 34 years, you would have a capital of 4 325 566 €, compared to no capital with pay-as-you-go.

Other salary levels

10 000 €

€10,000 gross

15 000 €

€15,000 gross

8 000 €

€8,000 gross

7 000 €

€7,000 gross

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Our methodology

Calculations based on URSSAF 2025 rates, retirement age of 64, and average yield of 6% (inflation-adjusted). The simulation assumes a full career and constant salary.

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