Top of main content

How to calculate the number of quarters you need to retire

 

The best is yet to come

 

It’s not a matter of age

 

A matter of preparation

 

The answers you need to know

Retirement – the principle of quarters

The quarter count is a crucial element in the evaluation of your retirement. The calculation of your pension depends on the number of quarters you will have acquired over the course of your career.

But how do you calculate the number of quarters needed to obtain retirement?

Note: the law reforming the pension system should be passed in 2019. As a result, there may be changes in the calculation of your pension.

How many quarters do I need to retire without a décote reduction ?

See the number of quarters required for a full rate retirement based on your year of birth
Year of birth
Number of quarters needed to retire on a full pension
1951 163
1952 164
1953 - 1954 165
1955 - 1956 - 1957 166
1958 - 1959 - 1960 167
1961 - 1962 - 1963 168
1964 - 1965 - 1966 169
1967 - 1968 - 1969 170
1970 - 1971 - 1972 171
From 1973
172

How many quarters do I need to retire without a décote reduction ?

See the number of quarters required for a full rate retirement based on your year of birth
Year of birth
1951
Number of quarters needed to retire on a full pension
163
Year of birth
1952
Number of quarters needed to retire on a full pension
164
Year of birth
1953 - 1954
Number of quarters needed to retire on a full pension
165
Year of birth
1955 - 1956 - 1957
Number of quarters needed to retire on a full pension
166
Year of birth
1958 - 1959 - 1960
Number of quarters needed to retire on a full pension
167
Year of birth
1961 - 1962 - 1963
Number of quarters needed to retire on a full pension
168
Year of birth
1964 - 1965 - 1966
Number of quarters needed to retire on a full pension
169
Year of birth
1967 - 1968 - 1969
Number of quarters needed to retire on a full pension
170
Year of birth
1970 - 1971 - 1972
Number of quarters needed to retire on a full pension
171
Year of birth
From 1973
Number of quarters needed to retire on a full pension
172

If you have not validated a sufficient number of quarters when you retire, the amount of your pension will be subject to a décote (reduction).

How to count the number of quarters you have accumulated

In principle, as soon as you start working and whatever your status, you automatically contribute to your future retirement. This contribution takes the form of deductions from your salary which are listed on your pay slip under the mention "retraite" (retirement).

Attention: contrary to popular belief, the acquisition of quarters does not depend in any way on the time you have worked, but rather on the amount of your salary.

To validate a quarter in 2018, you must have contributed on the basis of a minimum wage equal to 1,482 euros gross over three months. This amount is reviewed annually. Please also note it is impossible to validate more than 4 quarters per year.

For example, an employee who has earned more than €5,928 in 2018 will validate 4 quarters, whether he or she received this salary in a few days or over several months. An employee who earned 5,000 euros in 2018 will not be able to validate more than 3 quarters.

Equivalent quarters

Periods during which you were not working may also entitle you to quarterly validations; these are called equivalent quarters. They may be earned during;

  • illness, accident at work, occupational disease
  • maternity leave
  • national service
  • invalidity
  • professional training courses
  • inclusion on the list of elite athletes (since 2012)
  • unemployment (in this case, one quarter will be validated every 50 days of compensated unemployment, up to a maximum of 4 quarters per year)

Supplementary quarters

Current legislation also allows additional quarters to be validated under certain specific situations:

  • if you have had or raised children
  • if you have raised a disabled child
  • if you have had a disabled adult in your care
  • if you have taken parental leave
  • if you accumulate points on your hardship prevention account

To find out how many quarters you have already validated, simply consult your online career statement, available on the official pension insurance website.

To create your personal secure account, request a social security number or log in with your ameli.fr or impots.gouv.fr accounts, thanks to the FranceConnect system.

Contact an adviser now to prepare your plans

Contact us by phone

*Dial +33810246810 within France (service €0.09 per call + call price) and for service outside France (cost varies by operator).

Monday to Friday 8am – 10pm, Saturdays 9am – 5:30pm

We're here to help you find the answers and while you're at it, tell us how we could do better.