Is your retirement greater than the average pension of the French?

Civil servants, employees, liberal professions … Your retirement pension varies strongly according to the regime to which you have contributed. Find out if you are above (or below) of the national average.

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Once retired, Not all routes are created equal. This is once again confirmed by the last report of the Pension Orientation Board (COR), published this Thursday, June 12. By relying on 2023 data, the horn switches the pensions perceived by some 15 million French retirees that year. We thus learn that a retiree of direct law (in opposition to the derivative law, the survivor’s pension allocated to the surviving spouse) received on average 1,670 euros gross per month. An amount that climbs to 2,000 euros with a full career.

But because they did not have the same careers and therefore the same wages, this average hides considerable pension differences According to their main affiliation regime. This year again, the best -off retirees are those who have contributed in the Special regimes and state officials. Retirees who have indeed had the SNCF, RATP or the Banque de France, among others, were indeed perceived 2,800 euros gross on average for a full career. A pension level more than 1,100 euros above the national average!

THE former civil civil servants – such as teachers, inspectors or prefects – do not do too bad either: their average pension is displayed at 2,610 euros gross per month. On the side of militaryit’s even better. Once retired, they receive an average of 2,770 euros. And this, despite careers often shorter, but better paid.

Higher pensions among ex-functionaries

In general, the report of the CAS indicates that the ex-agents of the public service and former independents benefit from pensions much higher than those of private employees. A gap which is explained by “The differences in wages or activity income, the proportion of highly qualified managers and people being more important among the liberal professions and within the public service”indicates the horn. Thus, employees who have mainly contributed to general regime -that is to say the vast majority of them-touched on average 1,920 euros gross per month at the end of 2023.

And as often in terms of income, Women are still lagging behind This year. At the end of 2023, they barely received 1,310 euros in monthly pension, against 2,090 euros for men. A difference of 780 euros per month (or 9,360 euros less over one year) which results from several factors: chopped careers, part -time … and lower wages in women. Let us not be defeatists: There is better In retired gender inequalities! “The relationship between average direct law pensions of women and that of men went from 54.6% at the end of 2004 to 64.8% at the end of 2023”encourages the horn.