to validate a quarter, what is the minimum salary?

© ivanko80/Adobe Stock

– Like every year, the minimum salary to validate a quarter for retirement has been revalued according to the SMIC.

Like every year, the minimum salary to validate a quarter for retirement has been revalued according to the SMIC. Retirement Insurance thus published a circular on December 23 specifying the “impacts on old age legislation” of the increase in the minimum wage, reports Ouest-France. However, the gross hourly minimum wage currently stands at 11.88 euros, so we must now earn at least 1,782 euros gross to validate a quarter and therefore 7,128 euros to validate the four quarters, i.e. an income of 594 euros gross per month on average.

The quarters are validated “depending on the annual amount of your income subject to contributions”as Service-Public.fr specifies. And “since 2014, the minimum income which makes it possible to validate a quarter is equal to the amount of the hourly minimum wage in force on January 1 of the year multiplied by 150 hours». Furthermore, the thresholds have also been increased for self-employed workers. They must now contribute 316 euros to validate one quarter and therefore 1,265 euros to validate the four quarters.

How many quarters for a full retirement?

As a reminder, if you were born after January 1, 1965, you must accumulate 172 quarters, the equivalent of 43 years of careerto be entitled to a full pension. Furthermore, if you have worked under statuses other than employee and have contributed to several pension funds, this is your total insurance durationall schemes combined, which is taken into account to determine whether or not you are entitled to full retirement pensions.

Please note that it is possible to simulate the amount of your pension at different ages, at full rate or not, using data known from your pension funds. From the age of 55, you can also report anomalies in your career statement to your pension funds and request their correction.