Increase in the Agirc-Arrco point in 2025
This increase will have a positive influence on the supplementary pensions of retirees.
This change will directly affect the monthly amount that beneficiaries receive, based on the total points accumulated multiplied by the value of the point. A change that promises an improvement in their additional income.
Calculation of points with the reference salary
The reference salary, or purchase value of the Agirc-Arrco point, is crucial to determine the number of supplementary retirement points acquired each year. For 2025, this amount is set at €20.1877.
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The calculation formula is simple: the contribution base multiplied by the acquisition rate, divided by the reference salary. For example, a contribution base of €10,000 at a rate of 6% would give approximately 29.73 points.
Conversion of points for executives
Following the merger of the Agirc and Arrco schemes, the points accumulated by executives before this reform require conversion. A specific coefficient is used to guarantee that acquired rights are preserved without loss of value.
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Agirc points are converted to Agirc-Arrco points using a coefficient of 0.347791548, while Arrco points retain their initial value.
Impact of the evolution of the point on the future of pensions
The increase in the value of the Agirc-Arrco point is good news for future retirees, because it potentially increases the amount of pensions they will receive. This highlights the importance of understanding how your contributions translate into pension points.
It is therefore crucial for each contributor to keep informed of regular updates to the retirement points system and to anticipate the impacts on their retirement planning.
Here are some key points to remember:
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- The value of the Agirc-Arrco point increases to €1.4386 in 2025.
- The reference salary is also adjusted, impacting the calculation of points.
- The Agirc points of the executives are converted without loss thanks to a dedicated coefficient.
- This revaluation is beneficial for improving supplementary pensions.
Understanding these elements can help you better prepare and optimize your retirement strategy for the years to come, ensuring you get the most out of every retirement point you earn.
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