To calculate your Agirc-Arrco supplementary pension in 2026, multiply the points you have earned by their payment value, then divide by twelve to obtain your gross monthly pension. The point value, set at €1.4386 until October 31, 2026, increases by 1.4% on November 1 following the social partners’ decision of October 14, 2026.

But how exactly does your salary turn into points, and then into a pension? The Agirc-Arrco calculation involves several straightforward steps, provided you distinguish contributions that build entitlements, possible increases and deductions that reduce the amount actually received.

How do you calculate Agirc-Arrco points from your salary?

Since the Agirc and Arrco schemes merged in 2019, private-sector employees in France have accumulated supplementary pension points. Each year, part of their contributions earns new points. At retirement, the total is converted into a pension.

The first step is to identify which part of your salary falls under each contribution rate.

The two contribution bands in 2026

According to the Agirc-Arrco parameters presented by Expert CCAC, the annual French social security ceiling is €48,060 in 2026, or €4,005 per month. This ceiling determines the bands used to calculate entitlements.

  • Band 1: earnings up to €48,060 a year, with a contractual rate of 6.20%.
  • Band 2: earnings between €48,060 and €384,480 a year, with a contractual rate of 17%.

These contractual rates determine the number of points earned. They must not be confused with the rates actually charged on contributions.

Example: how many points for a €36,000 annual salary?

Consider a hypothetical employee earning €36,000 gross per year. Their entire salary falls within the first band, so the second-band rate is not needed.

  • Step 1: apply the 6.20% contractual rate: 36,000 × 0.062 = €2,232.
  • Step 2: use the 2026 point purchase price of €20.1877, according to Ma Calculatrice en Ligne.
  • Step 3: divide contractual contributions by that price: 2,232 ÷ 20.1877 = approximately 110.56 points.

In this theoretical example, one full year at the same salary therefore earns approximately 110.56 Agirc-Arrco points. The calculation uses contractual contributions from the entire scheme, not just the amount deducted from the employee’s salary.

According to Ma Calculatrice en Ligne, contributions are generally split 40% employee and 60% employer. Another detail: the collection rate is 127% of the contractual rate, or 7.87% in band 1 and 21.59% in band 2. The difference funds the scheme but does not generate additional points.

How do you convert points into a monthly pension?

Once you know the total points, the calculation is much simpler. According to Expert CCAC, the formula is: gross annual pension = number of points × point payment value.

Do not confuse the purchase price used to earn points during your career with the payment value used to calculate your pension. These amounts differ considerably in 2026.

Full example with 8,000 points

Imagine someone retiring with 8,000 points. For a pension calculated before the November 1, 2026 increase, the steps are:

  • Number of points: 8,000.
  • Payment value: €1.4386.
  • Gross annual pension: 8,000 × 1.4386 = €11,508.80.
  • Gross monthly pension: 11,508.80 ÷ 12 = approximately €959.07.

This amount covers only the Agirc-Arrco supplementary pension, before social deductions and possible increases. It therefore does not necessarily represent the person’s entire retirement income.

For another quick check, 5,000 points produce a gross annual pension of €7,193, or approximately €599.42 per month. These examples show that you can estimate your pension without a complex simulator once you know your points total.

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What is the Agirc-Arrco point value in November 2026?

The point payment value has remained at €1.4386 since November 2024. Expert CCAC notes that this freeze, extended through October 31, 2026, is unprecedented since the schemes merged in 2019.

Published historical values show the trend: €1.2841 in 2021, €1.3498 in 2022, approximately €1.416 in 2023 and €1.4386 in 2024. The consulted sources differ slightly on the exact 2023 figure, but not on the overall trend.

Le Journal de l’Économie reports that a 1.4% increase was approved for November 1, 2026. Applied to €1.4386, this produces a theoretical value of approximately €1.4587 per point, subject to the officially published value and rounding rules.

What does this mean for an 8,000-point pension?

In our example, the €11,508.80 gross annual pension would theoretically increase by €161.12 over a full year at the new rate. That means roughly €13.43 more gross per month, bringing the monthly pension to approximately €972.49.

This comparison highlights an important fact: a percentage increase may look substantial, but its value in euros depends directly on the original pension. The increase also applies only from its effective date.

According to Le Journal de l’Économie, the proposed increase ranged from 1.2% to 1.9%. The choice of 1.4% drew criticism from unions including the CGT and CFE-CGC, despite scheme reserves estimated at €90 billion.

Which increases and reductions can change your pension?

Multiplying points by their payment value provides a starting figure. The final amount can vary according to personal circumstances and the rules applicable at retirement.

Increases for children

According to the Un Calcul simulator, certain family situations qualify for increases: 10% for three or more children and 5% for a dependent child. Eligibility conditions must be checked individually.

Using the €11,508.80 gross annual pension again, a theoretical 10% increase adds €1,150.88 per year, bringing the total to €12,659.68 gross, or approximately €1,054.97 per month.

However, Ma Calculatrice en Ligne mentions an annual cap of €2,367.48 for the large-family increase. Check eligibility requirements and applicable limits before relying on the calculated amount.

Does the 10% penalty still exist?

According to Expert CCAC, the temporary 10% reduction coefficient, often called the Agirc-Arrco penalty, has been abolished. This former penalty should therefore not automatically be included in a 2026 pension estimate.

Its removal does not mean every retirement scenario necessarily produces a pension without reductions. Any coefficients applicable to a particular retirement situation must be distinguished from the former temporary penalty. Without precise personal details, it is better not to assume any increase or reduction coefficient.

How do you go from gross pension to the amount actually received?

The final step is to account for social contributions. According to Un Calcul, the combined CSG, CRDS and CASA rates can reach 9.1%, 7.4%, 4.3% or 0%, depending on tax circumstances and exemption rules.

For our gross supplementary pension of €959.07 per month, the following are purely arithmetic estimates:

  • 9.1% rate: approximately €871.79 after these deductions.
  • 7.4% rate: approximately €888.10.
  • 4.3% rate: approximately €917.83.
  • 0% exemption: €959.07 before any other possible deductions.

These figures do not guarantee the actual net amount paid. They show only the effect of the listed social contribution rates, without accounting for other factors specific to each retiree.

In my view, the most useful approach is to make three separate calculations: points earned during your career, the gross pension derived from those points and personal adjustments. This prevents contribution rates, family benefits and social deductions, which apply at different stages, from being mixed together.

Frequently asked questions

How exactly do you calculate your Agirc-Arrco pension in 2026?

Multiply your total points by the payment value applicable on the relevant date, then divide by twelve. With 8,000 points and a value of €1.4386, the gross pension is €11,508.80 a year, or approximately €959.07 per month, before adjustments.

What is the Agirc-Arrco point value in 2026?

According to Expert CCAC, the payment value is €1.4386 through October 31, 2026. A 1.4% increase was approved for November 1, 2026, equivalent to a calculated value close to €1.4587, subject to confirmation of official rounding.

What pitfalls can reduce the final pension amount?

The main risk is confusing the gross pension with the amount after social deductions, or assuming that a family increase applies automatically. The former temporary 10% penalty has been abolished, but specific retirement rules and any applicable coefficients must still be checked.

What is the difference between point purchase price and payment value?

The 2026 purchase price of €20.1877 determines how many points contractual contributions can buy. By contrast, the payment value of €1.4386 through the end of October 2026 converts points already earned into a gross annual pension.

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