Preparing for retirement starts with having the right information. In France, the public service “My Retirement Account”, available on info-retraite.fr, brings together all your retirement rights in one place, across all pension schemes. Reviewing your career record, estimating your future pension, submitting your application: here’s how to use it in 2026 and how to supplement your mandatory retirement benefits.
What is “My Retirement Account”?
“My Retirement Account” is France’s official cross-scheme retirement portal. Managed by the Union Retraite public interest group, this public service brings together information from all your pension schemes in a single space: the general scheme (CNAV), supplementary pensions (AGIRC-ARRCO), the civil service, self-employed workers, liberal professions and special schemes.
Whatever your career path, you have access to a single account, available at any time through FranceConnect. It provides personalised information about your retirement rights, enables you to run simulations and allows you to complete all retirement-related procedures online.
Step 1: Activate and review your account
Access is available via info-retraite.fr using FranceConnect credentials (impots.gouv.fr, Ameli, etc.). The service is available from the age of 18, provided that you have been affiliated with at least one French pension scheme.
Once logged in, go to the “My Career” section to consult your career record, which summarises all quarters and pension points accrued across your schemes. From age 55, you can report and request corrections to any errors in your record (missing employment, inconsistencies, etc.) directly from your account; your pension schemes will be notified and you can track progress online. Checking your record is essential: an uncorrected error may affect your pension estimate. The process is detailed on the French State Pension Service website.
Step 2: Estimate your future pension
The account includes the official “My Retirement Estimate” (M@rel) simulator. Developed by Union Retraite, it uses the actual data from your career record provided by your pension funds, making it the most reliable retirement planning tool available in France. It enables you to estimate possible retirement ages, the number of required quarters and an indicative pension amount by adjusting different assumptions (retirement age, income progression, part-time work, etc.).
An important update to be aware of: the simulator was updated at the beginning of 2026 to reflect the suspension of the pension reform and the latest measures introduced by the 2026 Social Security Financing Act. If you ran simulations previously, it is worth updating them.
Step 3: Complete your procedures online
Beyond consultation, the account allows you to manage all your retirement procedures. You can view the list of your pension funds, declare your children, check whether you hold one or more retirement savings plans, and above all submit a single retirement application (or an application for phased retirement or survivor’s pension) valid across all your pension schemes at once. There is no longer any need to contact each pension fund separately. Ideally, your application should be submitted 4 to 6 months before your desired retirement date.
Retirement age: where do things stand in 2026?
The framework has evolved. Since the 2023 reform, the statutory retirement age has been gradually increasing from 62 to 64 depending on the generation concerned; in 2026, someone born in 1964 has a statutory retirement age of 63 years and 3 months. A full pension requires 172 quarters (43 years) for generations born from 1965 onwards, while the age at which pension reductions are cancelled remains set at 67. Given the recent suspension of the reform, it is advisable to check your exact situation directly through your account.
The official timetable is available on info-retraite.fr.
Mandatory retirement benefits are not always enough
This is the key point in any wealth planning strategy. In 2026, the average pension across all schemes is around €1,540 gross per month, while the basic pension is capped at 50% of the Social Security ceiling. As a result, retirement is often accompanied by a significant reduction in income (known as the “replacement rate”).
This is why it is important to plan ahead with additional retirement savings, such as the Retirement Savings Plan (PER), which allows you to build up tax-efficient supplementary income, either as a lump sum or an annuity. This is precisely where MIA Assurances can support you.
MIA Assurances supports you
Your Retirement Account provides a clear overview of your mandatory pension rights; the next step is bridging the gap between that pension and your desired standard of living. As a brokerage firm specialising in retirement and savings solutions, MIA Assurances supports companies and their employees in implementing supplementary retirement and savings plans tailored to each situation.
