Simulate My Pension

2025 Data

Pension simulation at 45: Calculate your 2026 loss

Last updated: January 2026

Retirement at 45: Late career

At 45 years old, you have 19 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

19
years until retirement
45 y/o64 y/o

The compound interest effect

Total contributed

222 562 €

Interest earned

+190 915 €

Final capital

413 477 €

ContributionsCompound interest

Multiplication factor: 1.9x — Your contributions are multiplied by 1.9 thanks to compound interest over 19 years.

What you lose

Monthly loss

--535 €

vs funded system

Capital not built

413 477 €

transferable

Loss over 20 years

-128 419 €

in retirement

Frequently Asked Questions

How to prepare for retirement at 45?▼
At 45 years old, you have 19 years until retirement. It's important to understand your current situation. With a median salary of 3 500 €, you contribute 976 €/month for retirement.
How much do you lose with pay-as-you-go at 45?▼
Starting at 45 with a salary of 3 500 €, you lose -535 €/month in pension compared to a funded system, or -128 419 € over 20 years of retirement.
What retirement capital can you build from 45?▼
By investing your pension contributions at 6%/year for 19 years, you would have a capital of 413 477 €, fully transferable to your heirs.

Other age ranges

40 y/o

Senior professional

50 y/o

Pre-retirement

35 y/o

Mid-career

55 y/o

Final stretch

Explore by Profile

💰By Salary Level

👔Common Professions

📚Useful Guides

Calculate your exact situation

Enter your exact salary and preferences for a personalized calculation.

Start simulation →

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 →