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2025 Data

Pension simulation at 50: Calculate your 2026 loss

Last updated: January 2026

Retirement at 50: Pre-retirement

At 50 years old, you have 14 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

14
years until retirement
50 y/o64 y/o

The compound interest effect

Total contributed

163 993 €

Interest earned

+92 056 €

Final capital

256 049 €

ContributionsCompound interest

Multiplication factor: 1.6x — Your contributions are multiplied by 1.6 thanks to compound interest over 14 years.

What you lose

Monthly loss

--1 060 €

vs funded system

Capital not built

256 049 €

transferable

Loss over 20 years

-254 362 €

in retirement

Frequently Asked Questions

How to prepare for retirement at 50?▼
At 50 years old, you have 14 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 50?▼
Starting at 50 with a salary of 3 500 €, you lose -1 060 €/month in pension compared to a funded system, or -254 362 € over 20 years of retirement.
What retirement capital can you build from 50?▼
By investing your pension contributions at 6%/year for 14 years, you would have a capital of 256 049 €, fully transferable to your heirs.

Other age ranges

45 y/o

Late career

55 y/o

Final stretch

40 y/o

Senior professional

60 y/o

Retirement imminent

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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 →