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In 2025, prepare for a major change in the CSG rate applicable to pensions. Our colleagues from MoneyVox lift the veil on the new thresholds which will come into force next year. These adjustments will affect your pensions, whether basic or supplementary Agirc-Arrco. So what changes to expect and how to anticipate these developments ? Let's take stock.
This social pension contribution
Did you know that pensions are not tax free? Like any income, they remain subject to compulsory deductions intended to finance social protection. The maximum rate of social contributions on the basic retirement pension is 9.1%.
Among these samples, the CSG (Generalized Social Contribution)occupies a central place. Indeed, it directly concerns all pension beneficiaries. This means that, each month, part of your pension is automatically deducted for the CSG.
But be careful, not all retirees pay the same CSG rate. The latter actually depends on your reference tax incomeentered on your tax notice. Three rates may apply:
To have
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– 8.3% or normal rateapplies to the wealthiest retirees;
– 6.6% or median rateconcerns intermediate incomes;
– 3.8% or reduced rateis aimed at modest incomes.
If your tax income is below a fixed thresholdyou can then benefit from an exemption. To find out where you stand, check your last tax notice.
Change for 2025
Each year, the scale of social security contributions for pensions is revalued according to changes in prices. And 2025 is no exception to this rule! According to the projections put forward by the CFDT Retraités, it will experience a revision of 4.8%.
According to information shared by MoneyVoxRetirement Insurance plans to formalize these new rates before the end of the year. For 2025, these are the 2023 income, appearing on the 2024 tax notice which will determine the applicable rate.
For a single person, a RFR greater than 12,818 euros places you in the reduced rate bracket. If your RFR exceeds 16,756 euros, the median rate of 6.6% will apply. Finally, income above 26,002 euros will be subject to the normal rate.
To have
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Please also note that this applicable rate varies depending on your family situationa you number of shares in your tax household . For two tax shares, the RFR which exceeds 19,661 euros remains subject to the CSG at 3.8%. To find out where you are, you can use the CSG rate simulator offered by Retirement Insurance.
For retirees who change their situation
Has your income changed recently? Please note that this may influence your CSG rate, upwards or downwards. Fortunately, a smoothing deviceallows you to maintain your current rate for one year in the event of a change in income. Additionally, the increase only applies if your RFR exceeds the thresholds for two consecutive years.
This mechanism comes into play when you cross the CSG threshold at 3.8% to move to 6.60% or 8.30%. This measure aims to limit unwanted effects and unpleasant surprisescommon in this type of situation.
According to MoneyVoxthe change in your CSG rate will only be applicable from your pension paid in February. This concerns the Carsat retirement as well as that of the Cnav.
For the Agirc-Arrco supplementary pension, the new rate applies to the March pensionpaid at the beginning of the month. This difference in calendar, often misunderstood, can sow confusion among retirees.
Source : MoneyVox
