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2025 Data

Pension simulation at 40: Calculate your 2026 loss

Last updated: January 2026

Retirement at 40: Senior professional

At 40 years old, you have 24 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

24
years until retirement
40 y/o64 y/o

The compound interest effect

Total contributed

281 131 €

Interest earned

+344 694 €

Final capital

625 825 €

ContributionsCompound interest

Multiplication factor: 2.2x — Your contributions are multiplied by 2.2 thanks to compound interest over 24 years.

What you lose

Monthly loss

-173 €

vs funded system

Capital not built

625 825 €

transferable

Loss over 20 years

41 459 €

in retirement

Frequently Asked Questions

How to prepare for retirement at 40?▼
At 40 years old, you have 24 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 40?▼
Starting at 40 with a salary of 3 500 €, you lose 173 €/month in pension compared to a funded system, or 41 459 € over 20 years of retirement.
What retirement capital can you build from 40?▼
By investing your pension contributions at 6%/year for 24 years, you would have a capital of 625 825 €, fully transferable to your heirs.

Other age ranges

35 y/o

Mid-career

45 y/o

Late career

30 y/o

Established professional

50 y/o

Pre-retirement

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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 →