how many more terms will you have to work?

Following the rejection of the motions of censure, the Senate and then the National Assembly therefore adopted the pension reform desired by Emmanuel Macron and the government of Elisabeth Borne… A reminder of the timetable for the extension of the contribution period.

Snat then National Assembly voted this Thursday pension reform wanted by Emmanuel Macron and the government of Elisabeth Borne. After long weeks of negotiations and demonstrations, the Renaissance majority and its allies of convenience Les Républicains brought about lasting changes concerning the necessary contribution period to receive a full pension. Legal starting age is also postponed for two years.

Legal starting age: 64 in 2030

As of September 1, 2023, the legal retirement age will be gradually raised by three months per year to reach 64 in 2030, compared to 62 today. Specifically, it will be set at 63 years and 3 months in 2027 at the end of the five-year term to gradually reach 64 years in 2030.

It will then be necessary justify 43 years of contributions for a full rate pension. To validate a quarter, you must receive a minimum income over 3 months. In 2023, it will be necessary to receive 1690.50 euros of gross salary for the validation of a quarter (compared to 1585.50 euros a year earlier), this amount being revalued at the rate of the rise in the minimum wage.

Otherwise, the age at which people can retire without a discount, regardless of their contribution period, is maintained 67 years. The measure applies to all withdrawals, future and current.

Pension reform: this unpleasant surprise hidden by the automatic full rate at 67

How many quarters will you have to contribute to receive a full rate pension?
year of birthLegal starting ageBefore the reformAfter the reform
196062 years old

167 quarters
41 years, 9 months

167 quarters
41 years, 9 months
January1961
August 1961
62 years old

168 quarters
42 years old

168 quarters
42 years old
September 1961
december 1961
62 years and 3 months168 quarters
42 years old
169 quarters
42 years, 3 months
196262 years and 6 months168 quarters
42 years old
169 quarters
42 years, 3 months
196362 years and 9 months168 quarters
42 years old
170 quarters
42 years, 6 months
196463 years old169 quarters
42 years and 3 months
171 quarters
42 years, 9 months
196563 years and 3 months169 quarters
42 years and 3 months

172 quarters
43 years

196663 years and 6 months169 quarters
42 years and 3 months
172 quarters
43 years
196763 years and 9 months170 quarters
42 years and 6 months
172 quarters
43 years
196864 years old170 quarters
42 years and 6 months
172 quarters
43 years
196964 years old170 quarters
42 years and 6 months
172 quarters
43 years
197064 years old171 quarters
42 years and 9 months
172 quarters
43 years
197164 years old171 quarters
42 years and 9 months
172 quarters
43 years
197264 years old171 quarters
42 years and 9 months
172 quarters
43 years
197364 years old172 quarters
43 years
172 quarters
43 years

Source: Matignon

Ns in 1961, you will be the first to work more

This reform will have an impact for part of the generation born in 1961: those who will celebrate their birthday between January and August will be able to exercise their right to retirement from the age of 62, with a contribution period of 42 years or 168 quarters, to obtain a full rate. But those born between September and December 1961 will have to work an additional term and accumulate 169, or 42 years and 3 months.

Then these are all wages born between 1962 and 1972 who will have to work between 1 and 3 quarters more than currently planned. Conversely, people born in 1960and who turned 62 last year, are not affected by the reform.

At what age can I retire? *

Legal retirement age **
Number of terms required **
automatic full rate **67 years old

* From 1er September 2023, the legal retirement age will be gradually raised by three months a year to reach 64 in 2030, compared to 62 today.
** Source: government pension reform project presented on January 10, 2023.

NB: This is a simplified simulator which presents the general cases. For a personalized simulation, go to the simulator of the retirement info site.

1965 and 1966, cursed years

These are the big losers of the pension reform. The generations born in 1965 and 1966 – who will therefore be 58 and 57 years old in 2023 – will have to prove three additional quarters to reach the 43 years of contributions required.

Pension reform: here are the big losers and the small winners of the final text

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