Compare the loss at minimum wage vs median salary. The injustice of pay-as-you-go.
€1,800 gross/month. The legal minimum in France.
€3,500 gross/month. Half of French people earn less.
Median salary
generates 2 102 € more with funded system
Difference
1 173 €/m
Capital gap
630 746 €
Pension gap
929 €/m
This comparison illustrates the concrete impact of minimum wage vs median salary 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 →