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2025 Data

Pension simulation at 30: Calculate your 2026 loss

Last updated: January 2026

Retirement at 30: Established professional

At 30 years old, you have 34 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

34
years until retirement
30 y/o64 y/o

The compound interest effect

Total contributed

398 269 €

Interest earned

+900 326 €

Final capital

1 298 595 €

ContributionsCompound interest

Multiplication factor: 3.3x — Your contributions are multiplied by 3.3 thanks to compound interest over 34 years.

What you lose

Monthly loss

-2 415 €

vs funded system

Capital not built

1 298 595 €

transferable

Loss over 20 years

579 675 €

in retirement

Frequently Asked Questions

How to prepare for retirement at 30?▼
At 30 years old, you have 34 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 30?▼
Starting at 30 with a salary of 3 500 €, you lose 2 415 €/month in pension compared to a funded system, or 579 675 € over 20 years of retirement.
What retirement capital can you build from 30?▼
By investing your pension contributions at 6%/year for 34 years, you would have a capital of 1 298 595 €, fully transferable to your heirs.

Other age ranges

25 y/o

First permanent contract / Early career

35 y/o

Mid-career

20 y/o

First job / Studies

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 →