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2025 Data

Pension simulation at 20: Calculate your 2026 loss

Last updated: January 2026

Retirement at 20: First job / Studies

At 20 years old, you have 44 years until retirement. Discover how much you lose with the French pay-as-you-go system and the huge difference a funded system would make.

Time until retirement

44
years until retirement
20 y/o64 y/o

The compound interest effect

Total contributed

515 407 €

Interest earned

+2 007 223 €

Final capital

2 522 630 €

ContributionsCompound interest

Multiplication factor: 4.9x — Your contributions are multiplied by 4.9 thanks to compound interest over 44 years.

What you lose

Monthly loss

-6 495 €

vs funded system

Capital not built

2 522 630 €

transferable

Loss over 20 years

1 558 903 €

in retirement

Frequently Asked Questions

How to prepare for retirement at 20?▼
At 20 years old, you have 44 years until retirement. It's the ideal time to start saving. With a median salary of 3 500 €, you contribute 976 €/month for retirement.
How much do you lose with pay-as-you-go at 20?▼
Starting at 20 with a salary of 3 500 €, you lose 6 495 €/month in pension compared to a funded system, or 1 558 903 € over 20 years of retirement.
What retirement capital can you build from 20?▼
By investing your pension contributions at 6%/year for 44 years, you would have a capital of 2 522 630 €, fully transferable to your heirs.

Other age ranges

25 y/o

First permanent contract / Early career

30 y/o

Established professional

35 y/o

Mid-career

40 y/o

Senior professional

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Our methodology

Calculations based on a median salary of 3 500 €, URSSAF 2025 rates, and average yield of 6% (inflation-adjusted). Retirement age considered is 64.

Learn more about our methodology →