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Social security (ASSO) · level 2

Pensions (CNAV + other base schemes)

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Pensions (CNAV + other base schemes)

National (€/yr)
311.4 bn€
Per inhabitant (€/mo)
381 €/mo

Source

PLFSS 2025 - branche vieillesse / total ASSO ↗

Click to open the breakdown

  • General scheme (private-sector employees)175 €/mo→
  • Civil service (State, local, hospital)99 €/mo→
  • Self-employed + farmers (RSI, MSA)76 €/mo→
  • Special schemes (SNCF, RATP, EDF, etc.)31 €/mo→

Key figures to remember

  • 16 million pensioners

    in France in 2023 (~24 % of the population). The system is pay-as-you-go: the working-age pay current pensions through their contributions.

    Source: DREES 2024

  • €1,626 / month

    average gross direct-right pension (all schemes combined, 2023). Median is lower because of right-skewed distribution.

    Source: DREES 2024

  • ~4 % of insured

    are in special schemes (SNCF, RATP, IEG, miners, sailors) — historically more generous, now being phased out for new entrants.

    Source: DREES 2024
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