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2025 Data

Plumber Pension: 2026 Simulation

Last updated: January 2026
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Retirement simulation: Plumber

Are you a Plumber? With a typical salary of €2 500 € gross/month, discover how much you lose with the French pay-as-you-go pension system.

Profession information

Typical salary

2 500 €

Sector

Construction / Trades

Pension contributions

697 €

Share of salary

28%

What you lose

Monthly loss

-1 725 €

vs funded system

Capital not built

927 568 €

transferable

Loss over 20 years

414 053 €

in retirement

System comparison

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Pay-as-you-go (current)

Monthly pension1 367 €
Transferable capital0 €
Replacement rate6014%
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Funded system

Monthly annuity3 092 €
Transferable capital927 568 €
Gain vs pay-as-you-go+1 725 €/mois

Frequently Asked Questions

What pension for a plumber?▼
With a typical salary of 2 500 € gross/month, a plumber can expect a pension of 1 367 €/month with pay-as-you-go, versus 3 092 €/month with a funded system.
How much does a plumber contribute to retirement?▼
At 2 500 € gross, total pension contributions (employee + employer) amount to 697 €/month, or 284 478 € over a 34-year career.
What capital could a plumber build?▼
By investing pension contributions at 6%/year, a plumber could build a capital of 927 568 €, fully transferable, instead of €0 with pay-as-you-go.

Similar professions

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Electrician

2 600 €

👩‍⚕️

Nurse

2 500 €

🏥

Nursing Assistant

2 100 €

👨‍🏫

Teacher

2 800 €

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Our methodology

Salary estimated from average construction / trades sector data. Calculations based on URSSAF 2025 rates, retirement age of 64, and average yield of 6% (inflation-adjusted).

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