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2025 Data

Pension at €15 000 gross: Complete 2026 Simulation

Last updated: January 2026

Pension simulation at €15 000 gross/month

Do you earn €15 000 gross per month? Discover how much you really lose with the French pay-as-you-go pension system, and what you could have had with a funded system.

What you lose

Monthly loss

-13 611 €

vs funded system

Capital not built

5 391 554 €

transferable

Loss over 20 years

3 266 735 €

in retirement

What you could have had

🏛️

Pay-as-you-go (current)

Monthly pension4 360 €
Transferable capital0 €
Replacement rate3198%
📈

Funded system

Monthly annuity17 972 €
Transferable capital5 391 554 €
Gain vs pay-as-you-go+13 611 €/mois

Your situation

Gross salary

15 000 €

Pension contributions

4 053 €

Contribution period

34 years

Total contributed

1 653 549 €

Frequently Asked Questions

What pension with a salary of €15 000 gross?▼
With a salary of €15 000 gross per month, your estimated pay-as-you-go pension will be around 4 360 €/month. With a funded system, you could have 17 972 €/month.
How much do you contribute to retirement at €15 000?▼
At €15 000 gross, you contribute 1 565 € (employee share) + 2 488 € (employer share) = 4 053 € per month for your retirement.
What retirement capital with €15 000 salary?▼
By investing your contributions at 6% per year for 34 years, you would have a capital of 5 391 554 €, compared to no capital with pay-as-you-go.

Other salary levels

12 000 €

€12,000 gross

10 000 €

€10,000 gross

8 000 €

€8,000 gross

7 000 €

€7,000 gross

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Our methodology

Calculations based on URSSAF 2025 rates, retirement age of 64, and average yield of 6% (inflation-adjusted). The simulation assumes a full career and constant salary.

Learn more about our methodology →