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2025 Data

Pension simulation at 55: Calculate your 2026 loss

Last updated: January 2026

Retirement at 55: Final stretch

At 55 years old, you have 9 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

9
years until retirement
55 y/o64 y/o

The compound interest effect

Total contributed

105 424 €

Interest earned

+33 911 €

Final capital

139 336 €

ContributionsCompound interest

Multiplication factor: 1.3x — Your contributions are multiplied by 1.3 thanks to compound interest over 9 years.

What you lose

Monthly loss

--1 449 €

vs funded system

Capital not built

139 336 €

transferable

Loss over 20 years

-347 733 €

in retirement

Frequently Asked Questions

How to prepare for retirement at 55?▼
At 55 years old, you have 9 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 55?▼
Starting at 55 with a salary of 3 500 €, you lose -1 449 €/month in pension compared to a funded system, or -347 733 € over 20 years of retirement.
What retirement capital can you build from 55?▼
By investing your pension contributions at 6%/year for 9 years, you would have a capital of 139 336 €, fully transferable to your heirs.

Other age ranges

50 y/o

Pre-retirement

60 y/o

Retirement imminent

45 y/o

Late career

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 →