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2025 Data

Pension at €1 800 gross: Complete 2026 Simulation

Last updated: January 2026

Pension simulation at €1 800 gross/month

Do you earn €1 800 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

-1 242 €

vs funded system

Capital not built

667 849 €

transferable

Loss over 20 years

298 118 €

in retirement

What you could have had

🏛️

Pay-as-you-go (current)

Monthly pension984 €
Transferable capital0 €
Replacement rate6014%
📈

Funded system

Monthly annuity2 226 €
Transferable capital667 849 €
Gain vs pay-as-you-go+1 242 €/mois

Your situation

Gross salary

1 800 €

Pension contributions

502 €

Contribution period

34 years

Total contributed

204 824 €

Frequently Asked Questions

What pension with a salary of €1 800 gross?▼
With a salary of €1 800 gross per month, your estimated pay-as-you-go pension will be around 984 €/month. With a funded system, you could have 2 226 €/month.
How much do you contribute to retirement at €1 800?▼
At €1 800 gross, you contribute 204 € (employee share) + 298 € (employer share) = 502 € per month for your retirement.
What retirement capital with €1 800 salary?▼
By investing your contributions at 6% per year for 34 years, you would have a capital of 667 849 €, compared to no capital with pay-as-you-go.

Other salary levels

2 000 €

€2,000 gross

2 500 €

€2,500 gross

3 000 €

€3,000 gross

3 500 €

€3,500 gross (median)

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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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