The spectrum of a white year, and therefore of a gel of basic pensions in 2026, is still not dissipated despite the resignation of François Bayrou. But the Agirc-Arrco complementary pension of former private employees will be well revalued in November. As every year, the social partners, regime managers, must decide in the coming days on the level of this increase. And this, based on the inflation of the current year, namely 2025. The board of directors, in charge of the financial situation of Agirc-Arrco, will communicate in the month of October the revaluation chosen, from “The evolution of consumer prices excluding tobacco estimated by INSEE for the current year, reduced by 0.4%”. Knowing that he also benefits from a 0.4% room for maneuverupwards and downwards, depending on the state of finance of the regime.
Inflation outside tobacco anticipated by INSEE in its conjuncture note presented on Thursday, September 11, appearing at 1% for 2025, the pivot level of the revaluation is therefore attached to 0.6%. Thus, the increase in Agirc-Arrco additional retirement will oscillate between a minimum of 0.2% and a maximum of 1%, compared to 1.6% in 2024. The reserves exceeding six months of payment of services (86 billion euros at the end of 2024), as the regime’s golden rule wants, the social partners will opt according to our information for a increase between 0.6% and 1%visible from November in payments to retirees.
Up to 25.6 euros more per month for a total retirement of 4,000 euros
What will be the exact revaluation of the additional retirement that you will receive on November 3, 2025? For a former private employee receiving a total retirement of 1,400 euros net (including 420 euros in Agirc-Arrco pension), the gain will be at best 4.2 euros per month, or 2.52 euros if the increase is limited to 0.6%. At a pension level of 2,300 euros net per month (including 1,150 euros in Agirc-Arrco), the revaluation will be between 6.9 and 11.5 euros. Finally, if you receive 4,000 euros in net monthly pension (2,560 euros coming from your supplementary retirement), it is a surplus of 15.36 euros which will be granted to you at least, and maximum of 25.6 euros.
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