The revaluation of pensions is the main object of attention for 13 million pensioners from the private sector associated with the Agirc-Arrco regime. While inflation continues to affect the purchasing power of seniors, each increase is carefully explored. A new revaluation has just been confirmed for 2025. Let’s look together when this increase hits and what could represent for recipients.
A new revaluation of Agirc-Arrco pension scheduled for November 2025
Pensioners in the private sector can already mark the date in their calendar. As is tradition, Agirc-Arrco will continue to overestimate the pensions of pensions 1.
We remind you that the last increase occurred 1 November 2024 with an increase of 1.6% applied to pensions. This revaluation was decided after intensive negotiations between social partners. The Union and U2P Alliance then made it possible to save this increase despite the unwillingness of Medef, which tried to maintain the financial balance of the regime.
The value of the Agirc-Arrco point, the basic element in the calculation of pensions, was increased to EUR 1,4386. This indexing mechanism, although it is 0.2 points for estimated inflation for 2024 (1.8%), has still allowed to limit the erosion of the purchasing power of pensioners in a tense economic context.
Precise methods of further overestimation will be set in the autumn of 2025. Social partners meet with the aim of determining the increase in the rate according to several parameters, especially the development of inflation and financial situation of the Agirc-Arrco regime.
The financial impact and estimate of an increase for pensioners
If we are based on historical trends, Agirc-Arrco pensions should be between 1% and 1.5%, except for exceptional inflation pulls in 2025. This range corresponds to adjustments that have been practiced in recent years in the time of relative economic stability.
In particular, this would be a monthly increase in approximately 5 euros for a pension of 500 euros, EUR 8 for additional retirement of EUR 800 or even 10 euros for recipients who receive EUR 1000. These amounts, albeit modest in absolute value, still contribute to partially maintaining the purchasing power in the face of an increase in living costs.
The Agirc-Arrco indexing mechanism generally provides revaluation based on inflation reduced by a sustainability factor of 0.4 points. The aim of this remedial coefficient is to guarantee a long -term financial balance of additional pension plan and at the same time maintain the purchase power of pensioners as much as possible.
Social partners, regime managers, will have to find a balance between maintaining the purchasing power of pensioners and the financial sustainability of the system. Their decisions will be influenced by economic projections and inflation development in the coming months.
Modifications of social security contributions and their impact on net pensions
In addition to the annual overestimation of November, pensioners have already experienced a potential regulation of the net amount of their pension in March 2025. This change is the result of an annual update of social security contributions applied to pensions. CSG, CRDS, CASA and disease subscriptions are recalculated annually according to the reception of the reference tax and the composition of the tax household.
For some pensioners, this update resulted in an increase in the CSG rate, resulting in a reduction in perceived net amount, with retroactive regularization to January and February. On the contrary, others benefited from a decrease in fees, which in the first months of the year caused the payment of excess contributions.
These differences in social security contributions, independent of overestimating pensions, represent an important factor in developing the actual purchasing power of pensioners. Sometimes a complex mechanism that can create temporary irregularities in payments, with regularizations that generally interfere in the first quarter.
Understanding these two different mechanisms – overestimating gross pension in November and adjusting social security contributions in March – allows pensioners to better predict the development of their resources throughout the year. This double dynamics reflects the complexity of the French pension system and its multiple setting parameters.
Pensioners’ prospects from a private sector
Until November 2025, the recipients of Agirc-Arrco will have patient. This revaluation will be part of the wider context of the development of the French pension system, marked by consecutive reforms and regular parametric adjustments aimed at maintaining its financial balance.
The financial health of the Agirc-Arrco regime, in recent years relatively solid due to caution management, makes it possible to assume adequate policy of overestimation. The reservations created from the complementary regime give him the ability to adapt to economic and demographic fluctuations.
Therefore, in November 2025, pensioners in the private sector may predict a new increase in their pensions in November 2025, although its exact size will only be known when accessing the deadline. This relative predictability is a calming element in the management of seniors.