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2025 Data

Developer Pension: 2026 Simulation

Last updated: January 2026
👨‍💻

Retirement simulation: Developer

Are you a Developer? With a typical salary of €4 500 € gross/month, discover how much you lose with the French pay-as-you-go pension system.

Profession information

Typical salary

4 500 €

Sector

Tech / IT

Pension contributions

1 248 €

Share of salary

28%

What you lose

Monthly loss

-3 275 €

vs funded system

Capital not built

1 660 596 €

transferable

Loss over 20 years

785 918 €

in retirement

System comparison

🏛️

Pay-as-you-go (current)

Monthly pension2 261 €
Transferable capital0 €
Replacement rate5527%
📈

Funded system

Monthly annuity5 535 €
Transferable capital1 660 596 €
Gain vs pay-as-you-go+3 275 €/mois

Frequently Asked Questions

What pension for a developer?▼
With a typical salary of 4 500 € gross/month, a developer can expect a pension of 2 261 €/month with pay-as-you-go, versus 5 535 €/month with a funded system.
How much does a developer contribute to retirement?▼
At 4 500 € gross, total pension contributions (employee + employer) amount to 1 248 €/month, or 509 292 € over a 34-year career.
What capital could a developer build?▼
By investing pension contributions at 6%/year, a developer could build a capital of 1 660 596 €, fully transferable, instead of €0 with pay-as-you-go.

Similar professions

📊

Data Scientist

5 500 €

📋

Project Manager

4 800 €

💼

Sales Representative

3 500 €

⚙️

Engineer

5 000 €

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Our methodology

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

Learn more about our methodology →