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2025 Data

Pension at €4 500 gross: Complete 2026 Simulation

Last updated: January 2026

Pension simulation at €4 500 gross/month

Do you earn €4 500 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

-3 275 €

vs funded system

Capital not built

1 660 596 €

transferable

Loss over 20 years

785 918 €

in retirement

What you could have had

🏛️

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

Your situation

Gross salary

4 500 €

Pension contributions

1 248 €

Contribution period

34 years

Total contributed

509 292 €

Frequently Asked Questions

What pension with a salary of €4 500 gross?▼
With a salary of €4 500 gross per month, your estimated pay-as-you-go pension will be around 2 261 €/month. With a funded system, you could have 5 535 €/month.
How much do you contribute to retirement at €4 500?▼
At €4 500 gross, you contribute 502 € (employee share) + 746 € (employer share) = 1 248 € per month for your retirement.
What retirement capital with €4 500 salary?▼
By investing your contributions at 6% per year for 34 years, you would have a capital of 1 660 596 €, compared to no capital with pay-as-you-go.

Other salary levels

4 000 €

€4,000 gross

5 000 €

€5,000 gross

3 500 €

€3,500 gross (median)

6 000 €

€6,000 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.

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