The definitive comparison between the two pension systems. Discover why funded systems yield more.
The current French system: your contributions pay today's retirees.
Alternative system: your contributions are invested and belong to you.
Funded
generates 0 € more with funded system
Difference
0 €/m
Capital gap
0 €
Pension gap
0 €/m
This comparison illustrates the concrete impact of pay-as-you-go (current) vs funded 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 →