The compound interest effect over 10 years. Starting early changes everything for your retirement capital.
39 years of contributions. The snowball effect of compound interest.
29 years of contributions. 10 fewer years lose a lot.
Start at 35
generates 281 € more with funded system
Difference
96 €/m
Capital gap
84 348 €
Pension gap
185 €/m
This comparison illustrates the concrete impact of start at 25 vs start at 35 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?
Enter your own parameters for a personalized comparison.
Start my simulation →Comparison based on URSSAF 2025 rates, 6% yield (inflation-adjusted), and 20-year retirement life expectancy. Calculations assume a full career and constant salary.
Learn more about our methodology →