Retirement pensions: How much are you going to earn more this month?

Retirement pensions: How much are you going to earn more this month?


Calculation of revaluation

The revaluation of retirement pensions is determined according to the annual evolution of consumer prices, excluding tobacco, over a reference period. For this year, the period taken into account extends from November 2023 to October 2024, compared to that from November 2022 to October 2023. According to data from the National Institute of Statistics and Economic Studies (INSEE), this development has led to a 2.2 % increase in prices, justifying the same increase for basic pensions.

Impact on the amount of pensions

The 2.2 % increase translated into a variable increase according to the amount of the pension received. For example, for a net monthly basic retirement of € 1,400 in 2024, the increase will be € 30.80 per month in 2025. Thus, the total pension will increase to € 1,430.80 per month.

If you touched € 1900 in basic retreat in 2024, this year, your pension will increase to € 1941.80. For a net pension of € 3000 per month, the increase will be € 66.

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Payment calendar

Unlike complementary schemes, such as Agirc-Arrco, which make the payment of pensions at the beginning of the month, basic pensions are paid at the end of the month, or even at the beginning of the month. Thus, retirees affiliated to the National Old Age Insurance Fund (CNAV) or the Mutualité Sociale Agricole (MSA) will receive their January pension, including revaluation, on February 7, 2025.

Revaluation of additional pensions

It is important to note that additional pensions follow a separate revaluation calendar. For example, AGIRC-Arrco, a supplementary regime for former private employees, applied an increase of 1.6 % from November 1, 2024. This revaluation is independent of that of basic pensions and generally intervenes on a different date .

Precautions to take

Although revaluation aims to compensate for inflation, it is essential for retirees to remain vigilant about the evolution of their purchasing power. Social security contributions, such as the general social contribution (CSG) or the contribution for the reimbursement of social debt (CRDS), can also impact the perceived net amount. It is therefore recommended to regularly consult the information provided by the pension funds and to check the pension readings to understand any variations.

Prospects for the future

The annual revaluation of retirement pensions is an essential mechanism to guarantee the purchasing power of retirees in the face of pricing. However, calculation methods and increase rates may vary depending on government decisions and economic indicators. It is therefore crucial to keep informed of official announcements and any reforms that could impact the amount of pensions in the future.

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