From January 1, 2025, pensions will be increased, but not uniformly. Depending on the amount of your pension, and in particular whether or not it exceeds the sum of 1,430 euros, you should not expect the same scenario. Here's what you need to know.
As the year draws to a close, the fate of pensions for 2025 becomes clearer. After the announcement of the pension freeze, the government recently backpedaled by confirming an increase in pensions from January 1, 2025. On the other hand, this will be limited to approximately half of the expected inflation. A second revaluation, specifically targeting the most modest pensions, is planned for July. This system, described as an “anti-inflation shield”, also promises a catch-up to compensate for the losses of the first half of the year.
In theory, retirement pensions are adjusted at the start of each year according to annual inflation. According to the most recent calculations, this increase should have reached around 2.2% to 2.3%. But due to budgetary pressure, the government opted for an increase limited to 0.9%, or approximately half of the estimated inflation for the year.
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A second increase for low-income retirees
This decision, announced by Laurent Wauquiez and confirmed by Bercy, sparked criticism. According to Money Voxcertain unions, such as the CFDT-Retraités, denounce a “calculated confusion” in government announcements. According to Claude Wagner, member of this union, “this communication aims to confuse retirees”. To date, the precise calculation methods remain unclear, although the inflation forecasts published by INSEE should soon make it possible to refine the projections.
For retirees receiving less than 1,430 euros net per month (basic and supplementary pension included), a double increase is planned. In July 2025, their pension will be increased again, doubling the low adjustment from January. This measure, intended to protect the most modest, will be accompanied by a financial catch-up covering the difference between the initial increase and that applied in July.
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Do you earn more than 1,430 euros? Here's what awaits you
Let's take the example of a net pension of 1,200 euros, made up of 850 euros of basic pension and 350 euros of supplementary pension. With an increase of 0.9% in January, this pension would increase to 858 euros for the base. In July, a further increase would bring this amount to 865 euros, and an additional payment of 42 euros would compensate for the shortfall in the first half.
Retirees benefiting from pensions greater than 1,430 euros net will not benefit from this exceptional increase in July. For them, the annual increase remains capped at 0.9%, well below what the strict application of the inflation indexation rule would allow. In addition, this partial revaluation will have a lasting effect on the calculation of future pensions. In January 2026, these pensions will start from a lower base than that which would have been reached with a full increase from 2025.
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