EXPLAINED: The website to help you calculate your French pension

Looking to get an idea of what your French pension could look like if you have worked in France as a foreigner? Here is how you can simulate it with this French government website.

EXPLAINED: The website to help you calculate your French pension
Screenshot of the homepage for French website (Credit: The Local)

As French workers debate over pension rights, many foreigners living in France have been wondering how they fit into the equation.

If you have worked in France under a French contract for at least one trimestre (quarter), then you have begun paying into the state pension system, because it is compulsory to do so.

Reader Question: How long do I have to work in France to qualify for a state pension?

However, you must keep in mind that the French pension system is ‘pay-as-you-go’ – meaning, you might only qualify for a very small French pension if you worked for only a few years in France. 

If you worked in both France and another country, and you are curious about how your pension will be calculated to reflect your working time in both countries, you can learn more HERE. Keep in mind that the situation is different for people who have ‘posted worker’ status. 

The remainder of this article concerns solely French state pensions. 

While there are complex calculations you could attempt to estimate it, we have some very good news that will save you some time (and a headache) – France has a simple and user-friendly website at which everyone can calculate their pension entitlements.

Head to the website and log in using your social security number (or France Connect).

If you have worked and paid contributions for more than one trimestre in France, you will find an account set up ready for you which shows your years of contributions in France, and what pension you can expect.

The advantage of the French system is that your pension contributions are deducted automatically, even when you change jobs, and the government keeps track of it all via your social security number.

Here is how to use the website;

You will start with a homepage resembling the screenshot below:

A screenshot of the homepage for (Credit: The Local)

Head to the top right corner and click on the link below “Mon compte retraite” which says “J’accède à mon compte retraite.”

Once you have clicked on this, you will be led to a log-in screen (shown below). You will have the option to log in with France Connect.

If you do not use France Connect, you can create an account by clicking “Créer mon compte retraite” in the lower right hand corner. You will need access to your French social security number to fill out the relevant information.

Once you have logged onto the website, you will find a screen welcoming you to your account.

This homepage has different sections such as your profile on the website, a visualisation of your working life and pension contributions in France (Ma carrière) and your pension simulator (found under “Mon estimation retraite“).

Screenshot of

To calculate what your current French pension looks like, and to simulate what it could be, you should click on “Mon estimation retraite.” You should be taken to a page that resembles the one shown in the screenshot below. 

Screenshot of (Credit: The Local)

Accéder directement à mon estimation offers a predictive pension rate based on your current situation.

To simulate what your pension could be in the future, by adding in elements reflecting your individual situation – such as children, disabilities, and periods of unemployment, click “Simuler ma retraite.”

The website shows what you can expect if you retire at the legal minimum age (note: this screenshot was taken when the minimum age was set to 62, but starting September 2023, the minimum age will progressively rise to 64 due to pension reform) and what you can expect if you stay until the ‘upper age’ of 67.

It will also show you how many trimestres you have, and how many you need for a full pension. 

To simulate what your pension could become, you will have to fill out some further information. The first is your family situation – as shown in the image below, you will need to indicate if you have any children and if so how many.

Screenshot of (Credit: The Local)

Screenshot of (Credit: The Local)

Next, you will describe your professional situation – whether you are employed (Salarié), working as a freelancer or contractor or running your own business (Non salarié ou indépendent), a public sector worker (Fonctionnaire), or currently receiving benefits. Ignore the expatrié section – that’s for French people working abroad.

This segment will also ask you further details about your situation, like if you work full or part-time, what your average salary is, and more.

Once you have filled out the relevant information, you will be taken to a new page that offers a simulation of what you could earn as a French pension based on the information you uploaded.

Screenshot of (Credit: The Local)

The above screenshot provides an example of a simulated French pension for a person who has one child, and has worked all of their career, full-time, in the French private sector with an average annual (gross) income of €36,000.

Keep in mind that there are many different factors that are involved in estimating a French pension, so the simulation you receive may not perfectly predict what you will be owed upon retirement.

So what about people have have contributed to a pension in both France and another country?

When it comes to non-French pensions, periods of employment outside France may be combined with years worked in France to boost or qualify for the French state pension. However, it depends on which country you have worked in, and whether that country has a social security agreement with France.

You can learn more about this HERE.

READ MORE: Ask the experts: What foreigners living in France need to know about French pensions

This article is a general view of the pension system and does not constitute individual financial advice. If you are are unsure about your pension rights, seek independent financial advice.

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Moving to France: Language tests, new immigration law and jobs for non French-speakers

Moving to France - a country famous for its complicated bureaucracy - can be a daunting task. Fortunately, our new newsletter is here to answer your questions - this month we're looking at new immigration plans, acquiring language skills and healthcare.

Moving to France: Language tests, new immigration law and jobs for non French-speakers

Here at The Local we’re an Anglo-American team living in France – which means all of us have been through the simultaneously exciting and terrifying process of moving countries.

Our new newsletter is aimed at people who are in the process of moving, have recently moved and are still grappling with the paperwork or perhaps are just thinking about it – and we’ll share a monthly selection of practical tips. Our team is also available to answer questions from subscribers to The Local.

Let’s start with some news that I know has been worrying people who plan to move to France some day – the new French immigration bill.

The bill is currently making its way through parliament, with a lot of accompanying political drama and some very headline-grabbing amendments from Senators (most of which have now been scrapped).

This seems to be one of those cases where the political drama is in inverse proportion to the actual content of the bill – because it really doesn’t contain a lot that would affect people moving to France. We’ve done a complete breakdown HERE.

It won’t immediately affect new arrivals – but one thing that the bill does contain is a proposal for compulsory language tests in order to gain the long-term residency card (which usually happens after four or five years of residency, depending on your personal situation). We have a guide on exactly what language level would be required and a quiz so you can test yourself against the required standard. 

Language skills

I’m often asked how easy it is to move to France if you don’t speak any French at all. Ideally you would do some studying before arriving, but sometimes circumstances dictate a move while your French is still at a basic level (full disclosure – my French was extremely rudimentary when I first arrived).

Here’s a look at how easy it is to move to France if you don’t speak French – and what jobs you could do while you learn. 

Staying healthy

The other big concern for many people is healthcare – specifically how to access care in France, and whether you need to pay for expensive health insurance in order to move.

In good news, the French system is pretty generous – you can register in the French public health system after three months of residency and the state covers around 70 percent of medical costs, depending on circumstances. It’s worth pointing out, however, that the registration process itself can be lengthy – it’s not unusual to wait a year for your first carte vitale health card.

What you do in the meantime – and what health cover you need in order to get a visa – depends on your country of origin. 

Brits can use their EHIC or GHIC European health card as proof of medical cover, although it’s advised to get a short private health insurance policy too as there are things not covered by the European health card.

If you’re moving from an EU country you would be covered by the reciprocal EU health agreements between member states, but if you’re moving from the USA you will need private cover for your first few months in France (and not all American health insurance covers treatments outside of the US). 


The Local’s Reader Questions section covers questions our members have asked us and is a treasure trove of useful info on all kinds of practical matters. If you can’t find the answer you’re looking for, head here to leave us your questions.

Bon courage !