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2025 Data

Pension simulation at 25: Calculate your 2026 loss

Last updated: January 2026

Retirement at 25: First permanent contract / Early career

At 25 years old, you have 39 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

39
years until retirement
25 y/o64 y/o

The compound interest effect

Total contributed

456 838 €

Interest earned

+1 362 878 €

Final capital

1 819 716 €

ContributionsCompound interest

Multiplication factor: 4.0x — Your contributions are multiplied by 4.0 thanks to compound interest over 39 years.

What you lose

Monthly loss

-4 152 €

vs funded system

Capital not built

1 819 716 €

transferable

Loss over 20 years

996 572 €

in retirement

Frequently Asked Questions

How to prepare for retirement at 25?▼
At 25 years old, you have 39 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 25?▼
Starting at 25 with a salary of 3 500 €, you lose 4 152 €/month in pension compared to a funded system, or 996 572 € over 20 years of retirement.
What retirement capital can you build from 25?▼
By investing your pension contributions at 6%/year for 39 years, you would have a capital of 1 819 716 €, fully transferable to your heirs.

Other age ranges

20 y/o

First job / Studies

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 →