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2025 Data

Chef / Cook Pension: 2026 Simulation

Last updated: January 2026
👨‍🍳

Retirement simulation: Chef / Cook

Are you a Chef / Cook? With a typical salary of €2 400 € gross/month, discover how much you lose with the French pay-as-you-go pension system.

Profession information

Typical salary

2 400 €

Sector

Hospitality

Pension contributions

669 €

Share of salary

28%

What you lose

Monthly loss

-1 656 €

vs funded system

Capital not built

890 465 €

transferable

Loss over 20 years

397 491 €

in retirement

System comparison

🏛️

Pay-as-you-go (current)

Monthly pension1 312 €
Transferable capital0 €
Replacement rate6014%
📈

Funded system

Monthly annuity2 968 €
Transferable capital890 465 €
Gain vs pay-as-you-go+1 656 €/mois

Frequently Asked Questions

What pension for a chef / cook?▼
With a typical salary of 2 400 € gross/month, a chef / cook can expect a pension of 1 312 €/month with pay-as-you-go, versus 2 968 €/month with a funded system.
How much does a chef / cook contribute to retirement?▼
At 2 400 € gross, total pension contributions (employee + employer) amount to 669 €/month, or 273 099 € over a 34-year career.
What capital could a chef / cook build?▼
By investing pension contributions at 6%/year, a chef / cook could build a capital of 890 465 €, fully transferable, instead of €0 with pay-as-you-go.

Similar professions

👩‍⚕️

Nurse

2 500 €

🏥

Nursing Assistant

2 100 €

👨‍🏫

Teacher

2 800 €

💼

Sales Representative

3 500 €

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Our methodology

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

Learn more about our methodology →