Pension reform in France is a subject that concerns many citizens. In 2025, several significant changes are expected, directly impacting pensions and the rights of retirees. This article aims to provide information on the major developments which will shape the future of pensions in France, in particular the revaluation of pensions, developments in supplementary pensions and the implications for self-employed people.
Pension increases: an essential issue
The year 2025 marks a turning point for French retirees. After long debates and several political twists and turns, the government has finally decided: most basic pensions will benefit from an increase of 2.2%. This decision, based on inflation, aims to preserve the purchasing power of retirees in the face of the rising cost of living.
Here is an overview of the revaluations by regime:
- General scheme (private employees, artisans, traders): +2.2%
- Civil service: +2.2%
- Liberal professions: +2.2%
- Lawyers: +1.6%
Let us mention that solidarity allowance for the elderly (ASPA), formerly known as the minimum old age, also benefits from this 2.2% increase. This measure demonstrates the government’s desire to support the poorest retirees.
To fully understand the impact of this increase on pensions, let’s take the example of a retiree with a pension of 1,000 euros per month. With the 2.2% increase, this pension will increase to 1,022 euros, thus making it possible to better cope with inflation which has weighed on household budgets.
Furthermore, the government is right to insist on the importance of this revaluation. Indeed, without these adjustments, there was a risk of seeing some retirees fall below the poverty line, which would be unacceptable in our society.
Supplementary pensions: contrasting developments
If basic pensions experience a uniform increase, the situation is more nuanced for supplementary plans. Each fund has adopted its own revaluation policy, thus creating a heterogeneous landscape. We have compiled this information in the following table:
| Supplementary diet | Revaluation rate |
|---|---|
| Artisans and traders | 0.6% |
| Accountants and auditors | 1.93% |
| Lawyers | 2% |
| General Insurance Agents | 2.2% |
| Non-permanent civil servants | 2.2% |
| Civil servants (additional pension) | 4% |
It should be noted that certain regimes, such as Interprofessional provident and old-age insurance fund (Cipav), have chosen not to increase their pensions this year. This decision could have repercussions on the purchasing power of certain retirees, particularly those who rely mainly on this additional income to live.
New provisions for self-employed people
The year 2025 also brings its share of changes for self-employed people. A modification of the contribution system came into force on January 1. This development aims to adapt the system to current economic realities and to guarantee better social protection for this category of independent workers.
The main modifications concern:
- The retirement contribution rate
- Methods for calculating retirement rights
- Quarter redemption options
These adjustments are part of a broader desire to modernize the French retirement system and adapt it to new forms of employment. We strongly recommend that you consult an accountant or your pension fund to understand the precise impact of these changes on your personal situation.
Perspectives and challenges for the future of pensions
Despite these adjustments, the debate on the future of the French retirement system remains open. The Prime Minister recently expressed his wish to reopen discussions on the 2023 pension reform, indicating that future developments could be considered to coincide with the needs and expectations of the population.
The challenges facing the retirement system are multiple:
- The aging of the population
- The financial balance of the plans
- Adaptation to new forms of employment
- The guarantee of a decent standard of living for all retirees
Faced with these challenges, it is crucial to remain informed and vigilant. The changes introduced in 2025 are likely just one step in a broader reform process. We encourage you to carefully follow current events and anticipate future developments to best prepare for your retirement.