Do you want to develop your end of career and prepare for your smooth retirement? Good news, since September 1, 2025, the gradual retirement Can be requested by all assets (employees, civil servants, liberal professions, etc.) from 60 years old. Previously, it was not possible to take advantage of this system only two years from retirement. Thus, workers born in 1964 could only have access to gradual retirement only 61, their legal departure age being noted at 63 years by the last reform of 2023. Thanks to the National Interprofessional Agreement (Ani) signed in the fall of 2024 by the social partners, The age required for a gradual retirement request therefore increases to 60 years. An advance acted by Two decrees published in the Official Journal On July 23.
Conditions to take advantage of progressive retirement
As a reminder, gradual retirement makes it possible to reduce your working time by going part -time, by 40% to 80% of your full time. You work less, and thus receive 40% to 80% of your activity income, depending on your choice. Meanwhile, a fraction of your retirement calculated to date is paid to you, for example 60% if you go part-time to 40%, or 50% if you go halfway. Furthermore, this period allows you to build up additional rights for your final retirement, since you continue to validate quarters for your basic pension and earn additional retirement points. In addition to a minimum age of 60 years as well as a part -time floor of 40%, you must have validated 150 pension quarters to claim this device, that Your employer must accept. In the event of refusal, the latter must justify it on the grounds that it is “Incompatible with the economic activity of the company”.
But beware, the advantages of progressive retirement have a consideration, or rather two. “Choosing gradual retirement from the age of 60 is not without financial impact, both on immediate income and the definitive retirement amount”warns the specialized firm Sapiendo. And indeed, if you activate the lever of progressive retirement from the age of 60 with a part -time Only 40%, the amount of your pension will suffer, before your final departure but also after. At the time of gradual retirement, first since your pension will be calculated on your rights at 60 years. But also during the final liquidation of your retirement, since You will have certainly contributed, but less than working full -time. Unless your employer agrees to rely for your retirement. So, “The impact on final retirement is therefore variable depending on the duration of the gradual retirement period, the percentage of part -time and the existence of an additional price or not”summarizes Sapiendo.
A slight impact on your final retirement … but beware of the fall in income
Illustration with the example of an employee born in 1968, who has been working since 21 and has validated 156 trimesters of retirement at 60. With a net salary of 32,517 euros and a departure at the legal age, 64 years for his generation, he would receive a pension of 22,025 euros net per year.
If he decides to retire gradually at 62, until his departure at 64, he will receive during these two years a total annual income of 24,012 euros net, including 13,007 euros in salary (40% of his full -time salary) and 11,005 euros in pension (60% of temporary retirement at 62). A total difference in income of more than 8,500 euros per year. As for its permanent retirementit will increase to 21,146 euros net, for an annual loss of 879 euros.
This same employee, if he opts for gradual retirement from the age of 60, will see his annual total income drop to 22,006 euros net, divided between 13,007 euros in salary (40% of his full -time salary) and 8,999 euros of retirement (60% of his provisional retirement at 60). For a Annual loss of income of more than 10,500 euros! The final retirement he will receive from 64 years old will fall to 20,205 euros per year, or 1,820 euros net less compared to his pension of 22,025 euros obtained without progressive retirement.
As you can see, the drop in income undergoes can be very important. And the decrease in your final pension is not neutral either. Reason why you have every interest in weighing the pros and cons and Adjust your early retirement datelike the duration of your part -time, to limit the impact of this end -of -career choice.
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