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2025 Data

Executive vs Non-Executive: What difference for your retirement?

Last updated: January 2026
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Executive vs Non-Executive: What difference for your retirement?

Compare the impact of executive status on your retirement pension. Contributions, ceilings, and real loss.

Side-by-side comparison

Executive

Better

Typical salary: €5,000 gross/month. Higher contributions, higher ceilings.

Pay-as-you-go pension2 361 €/m
Funded annuity6 128 €/m
Final capital1 838 261 €
Monthly loss-3 767 €

Non-executive

Typical salary: €2,500 gross/month. Standard contributions, PMSS ceiling.

Pay-as-you-go pension1 367 €/m
Funded annuity3 092 €/m
Final capital927 568 €
Monthly loss-1 725 €

The verdict

Executive

generates 3 036 € more with funded system

Difference

2 042 €/m

Capital gap

910 693 €

Pension gap

994 €/m

What it means

This comparison illustrates the concrete impact of executive vs non-executive on your retirement. Whether you choose one or the other, the pay-as-you-go system loses you money. The real question is: how much exactly are you losing?

Frequently Asked Questions

Executive or Non-executive: what's the retirement difference?▼
The pension difference between executive and non-executive is 994 €/month with pay-as-you-go. With a funded system, the capital gap reaches 910 693 €.
Which scenario is more advantageous?▼
In terms of potential monthly annuity with a funded system, Executive generates 6 128 €/month, which is 3 036 €/month more.
What is the methodology for this comparison?▼
We use URSSAF 2025 rates, a 6% yield adjusted for inflation, and a 20-year retirement life expectancy. Calculations assume a full career.

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Our methodology

Comparison based on URSSAF 2025 rates, 6% yield (inflation-adjusted), and 20-year retirement life expectancy. Calculations assume a full career and constant salary.

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