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2025 Data

Pension simulation at 35: Calculate your 2026 loss

Last updated: January 2026

Retirement at 35: Mid-career

At 35 years old, you have 29 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

29
years until retirement
35 y/o64 y/o

The compound interest effect

Total contributed

339 700 €

Interest earned

+572 550 €

Final capital

912 250 €

ContributionsCompound interest

Multiplication factor: 2.7x — Your contributions are multiplied by 2.7 thanks to compound interest over 29 years.

What you lose

Monthly loss

-1 127 €

vs funded system

Capital not built

912 250 €

transferable

Loss over 20 years

270 599 €

in retirement

Frequently Asked Questions

How to prepare for retirement at 35?▼
At 35 years old, you have 29 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 35?▼
Starting at 35 with a salary of 3 500 €, you lose 1 127 €/month in pension compared to a funded system, or 270 599 € over 20 years of retirement.
What retirement capital can you build from 35?▼
By investing your pension contributions at 6%/year for 29 years, you would have a capital of 912 250 €, fully transferable to your heirs.

Other age ranges

30 y/o

Established professional

40 y/o

Senior professional

25 y/o

First permanent contract / Early career

45 y/o

Late career

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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 →