{"id":60900,"date":"2024-08-04T11:48:26","date_gmt":"2024-08-04T09:48:26","guid":{"rendered":"https:\/\/www.fondapi.it\/calcul-de-la-retraite\/"},"modified":"2025-11-12T08:43:25","modified_gmt":"2025-11-12T07:43:25","slug":"calcul-de-la-retraite","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/calcul-de-la-retraite\/","title":{"rendered":"Calcul de la retraite"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60900\" class=\"elementor elementor-60900 elementor-57075\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35dee502 e-flex e-con-boxed e-con e-parent\" data-id=\"35dee502\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-20d9b197 e-flex e-con-boxed e-con e-child\" data-id=\"20d9b197\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cde79ee elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"cde79ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/fr\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Accueil\">Accueil<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e3938bc elementor-widget elementor-widget-html\" data-id=\"1e3938bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-245e8c01 e-flex e-con-boxed e-con e-child\" data-id=\"245e8c01\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dd0d898 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"5dd0d898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">COMMENT \u00c7A FONCTIONNE<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d9e3161 e-flex e-con-boxed e-con e-parent\" data-id=\"3d9e3161\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-514a21b7 e-con-full e-flex e-con e-child\" data-id=\"514a21b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1d8b9 elementor-widget elementor-widget-heading\" data-id=\"5c1d8b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Essayez le simulateur Fondapi et d\u00e9couvrez les avantages de la retraite compl\u00e9mentaire !<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a7f528e elementor-widget elementor-widget-text-editor\" data-id=\"6a7f528e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>La retraite est l&rsquo;un des aspects les plus importants de la vie d&rsquo;un travailleur. C&rsquo;est pourquoi il est important de comprendre le calcul de la retraite. Cela permet d&rsquo;estimer la valeur de la pension mensuelle INPS et de mieux planifier son avenir.  <\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c1b9ca elementor-widget elementor-widget-button\" data-id=\"2c1b9ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Essayez-le maintenant !<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a42cb6d e-con-full e-flex e-con e-child\" data-id=\"5a42cb6d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7574b75a elementor-widget elementor-widget-image\" data-id=\"7574b75a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1331\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore.webp\" class=\"attachment-full size-full wp-image-60753\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore.webp 1331w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-681x1024.webp 681w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-768x1154.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-1022x1536.webp 1022w\" sizes=\"(max-width: 1331px) 100vw, 1331px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7aa0a273 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"7aa0a273\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57590f95 e-flex e-con-boxed e-con e-parent\" data-id=\"57590f95\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47207fe1 e-con-full e-flex e-con e-child\" data-id=\"47207fe1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78cc998a elementor-widget elementor-widget-image\" data-id=\"78cc998a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640.jpg\" class=\"attachment-full size-full wp-image-60901\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640.jpg 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-200x300.jpg 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-682x1024.jpg 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-768x1152.jpg 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-1024x1536.jpg 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30bd84ae e-con-full e-flex e-con e-child\" data-id=\"30bd84ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22b462fe elementor-widget elementor-widget-heading\" data-id=\"22b462fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le syst\u00e8me de retraite italien<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-393fb1ed elementor-widget elementor-widget-text-editor\" data-id=\"393fb1ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le syst\u00e8me de retraite italien repose sur deux piliers :<\/p><p>Le <strong>premier pilier<\/strong> est le syst\u00e8me de retraite public, g\u00e9r\u00e9 par l&rsquo;INPS. Dans ce syst\u00e8me, la retraite est calcul\u00e9e sur la base des cotisations vers\u00e9es par le travailleur au cours de sa carri\u00e8re. <\/p><p>Le <strong>deuxi\u00e8me pilier<\/strong> est le syst\u00e8me de retraite compl\u00e9mentaire, g\u00e9r\u00e9 par les fonds de pension. Dans ce syst\u00e8me, le travailleur peut choisir, <a href=\"https:\/\/www.fondapi.it\/fr\/indemnite-de-fin-de-carriere-au-fonds-de-pension\/\">\u00e0 partir de l&rsquo;indemnit\u00e9 de fin de carri\u00e8re<\/a>, de verser des cotisations suppl\u00e9mentaires \u00e0 celles vers\u00e9es au premier pilier. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3838fb8 elementor-widget elementor-widget-heading\" data-id=\"3838fb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le calcul de la retraite publique<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f304c26 elementor-widget elementor-widget-text-editor\" data-id=\"f304c26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le calcul de la retraite publique repose sur plusieurs facteurs. Les principaux sont : <\/p><ul><li><strong>L&rsquo;\u00e2ge de la retraite<\/strong> : l&rsquo;\u00e2ge de la retraite est le seuil d&rsquo;\u00e2ge auquel on peut acc\u00e9der \u00e0 la pension de vieillesse. L&rsquo;\u00e2ge de la retraite est actuellement fix\u00e9 \u00e0 67 ans, mais il est destin\u00e9 \u00e0 augmenter dans les ann\u00e9es \u00e0 venir. <\/li><\/ul><ul><li><strong>L&rsquo;anciennet\u00e9 contributive<\/strong> : l&rsquo;anciennet\u00e9 contributive est le nombre d&rsquo;ann\u00e9es pendant lesquelles on a cotis\u00e9 au syst\u00e8me de retraite. L&rsquo;anciennet\u00e9 contributive minimale pour acc\u00e9der \u00e0 la pension de vieillesse est de 20 ans. <\/li><\/ul><ul><li><strong>Les cotisations vers\u00e9es \u00e0 l&rsquo;INPS<\/strong> : le montant des cotisations vers\u00e9es \u00e0 l&rsquo;INPS est une variable fondamentale pour d\u00e9terminer la future pension de retraite.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-176789fa elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"176789fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-591af93a e-flex e-con-boxed e-con e-parent\" data-id=\"591af93a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-626b5a3 e-con-full e-flex e-con e-child\" data-id=\"626b5a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-7d3c6eb e-con-full e-flex e-con e-child\" data-id=\"7d3c6eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00c7cdc elementor-widget elementor-widget-heading\" data-id=\"00c7cdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le passage du syst\u00e8me par r\u00e9partition au syst\u00e8me par capitalisation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0876542 e-con-full e-flex e-con e-child\" data-id=\"0876542\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-cd9fbdb e-con-full e-flex e-con e-child\" data-id=\"cd9fbdb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-1995ee8 e-flex e-con-boxed e-con e-child\" data-id=\"1995ee8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3080618 elementor-widget elementor-widget-heading\" data-id=\"3080618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1969<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f909fe elementor-widget elementor-widget-text-editor\" data-id=\"1f909fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-columns is-layout-flex wp-container-6 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>Le syst\u00e8me par r\u00e9partition pour le calcul des prestations est entr\u00e9 en vigueur avec la <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:1969-04-30;153!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Loi du 30 avril 1969, n\u00b0 153<\/a>.<\/p><p>Dans le mod\u00e8le par r\u00e9partition, la pension est calcul\u00e9e sur la base des r\u00e9mun\u00e9rations per\u00e7ues au cours des derni\u00e8res ann\u00e9es d&rsquo;activit\u00e9. La viabilit\u00e9 financi\u00e8re du syst\u00e8me d\u00e9pend essentiellement de l&rsquo;\u00e9quilibre entre les travailleurs actifs et les retrait\u00e9s. <\/p><\/div><\/div><div class=\"wp-block-columns is-layout-flex wp-container-9 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>Au fil des ans, le vieillissement constant de la population italienne ainsi que l&rsquo;\u00e9volution d\u00e9mographique ont marqu\u00e9 la crise du mod\u00e8le par r\u00e9partition, initiant son processus de r\u00e9vision.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5821ae8 e-con-full e-flex e-con e-child\" data-id=\"5821ae8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-04f5c17 e-flex e-con-boxed e-con e-child\" data-id=\"04f5c17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31cbbfe elementor-widget elementor-widget-heading\" data-id=\"31cbbfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1995<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8095a4f elementor-widget elementor-widget-text-editor\" data-id=\"8095a4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:1995-08-08;335!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Loi du 8 ao\u00fbt 1995, n\u00b0 335<\/a> de \u00ab r\u00e9forme du syst\u00e8me de retraite obligatoire et compl\u00e9mentaire \u00bb (dite <strong>r\u00e9forme Dini<\/strong>) introduit le syst\u00e8me de calcul par capitalisation, en pr\u00e9voyant son application totale \u00e0 tous les assur\u00e9s \u00e0 partir du 1er janvier 1996.<\/p><div class=\"wp-block-columns is-layout-flex wp-container-15 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>Le syst\u00e8me par capitalisation \u00e9tablit une corr\u00e9lation directe entre ce qui est vers\u00e9 et ce que la personne percevra. Les cotisations accumul\u00e9es sont converties en rente via des coefficients de transformation calcul\u00e9s en fonction de l&rsquo;\u00e2ge de d\u00e9part \u00e0 la retraite et de l&rsquo;esp\u00e9rance de vie qui en d\u00e9coule. <\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-120cfb7 e-con-full e-flex e-con e-child\" data-id=\"120cfb7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-898289d e-flex e-con-boxed e-con e-child\" data-id=\"898289d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31ebb3d elementor-widget elementor-widget-heading\" data-id=\"31ebb3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">2012<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4307c67 elementor-widget elementor-widget-text-editor\" data-id=\"4307c67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La transition vers ce mod\u00e8le a \u00e9t\u00e9 achev\u00e9e avec l&rsquo;entr\u00e9e en vigueur de la <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:2011-12-22;214!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Loi du 22 d\u00e9cembre 2011, n\u00b0 214<\/a> (dite <strong>r\u00e9forme Fornero<\/strong>).<\/p><p>Le syst\u00e8me par capitalisation a en effet \u00e9t\u00e9 \u00e9tendu \u00e0 toutes les anciennet\u00e9s acquises \u00e0 partir du 1er janvier 2012, avec l&rsquo;application du calcul \u00ab pro rata \u00bb.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b77f30 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"9b77f30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-941101b e-flex e-con-boxed e-con e-parent\" data-id=\"941101b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-117868b e-con-full e-flex e-con e-child\" data-id=\"117868b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6595e elementor-widget elementor-widget-heading\" data-id=\"5a6595e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment simuler sa retraite<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28466ac elementor-widget elementor-widget-text-editor\" data-id=\"28466ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tL&rsquo;INPS met \u00e0 disposition un service en ligne gratuit (<a href=\"https:\/\/serviziweb2.inps.it\/AS0207\/SimScePen2\/#top\">Pensami<\/a>) pour simuler la retraite. Ce service permet de conna\u00eetre la date \u00e0 laquelle on aura droit \u00e0 la retraite, le montant estim\u00e9 de la pension et le <strong>taux de remplacement<\/strong><sup class=\"fn\" data-fn=\"f283f52b-d7ee-4472-afb7-df4854920196\"><a id=\"f283f52b-d7ee-4472-afb7-df4854920196-link\" href=\"https:\/\/www.fondapi.it\/aderire-a-fondapi\/calcolo-della-pensione#f283f52b-d7ee-4472-afb7-df4854920196\">2<\/a><\/sup>. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b93e6b e-con-full e-flex e-con e-child\" data-id=\"2b93e6b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5b9c06b e-con-full e-flex e-con e-child\" data-id=\"5b9c06b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-9e37f7d e-con-full e-flex e-con e-child\" data-id=\"9e37f7d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-d6276e2 e-flex e-con-boxed e-con e-child\" data-id=\"d6276e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a576b3d elementor-widget elementor-widget-heading\" data-id=\"a576b3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Simulateur de retraite : <br>une ressource utile<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d689eb elementor-widget elementor-widget-text-editor\" data-id=\"2d689eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour obtenir une vision claire de votre avenir financier \u00e0 la retraite, vous pouvez utiliser un simulateur de retraite.<\/p><p>Un simulateur de retraite est une ressource utile pour les travailleurs qui souhaitent planifier leur retraite de mani\u00e8re pr\u00e9cise. Vous pouvez effectuer diff\u00e9rentes simulations pour comprendre comment les perspectives varient en fonction des choix d&rsquo;investissement. Ainsi, vous serez mieux pr\u00e9par\u00e9 pour prendre des d\u00e9cisions \u00e9clair\u00e9es.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e68396d e-con-full e-flex e-con e-child\" data-id=\"e68396d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6481f15 e-flex e-con-boxed e-con e-child\" data-id=\"6481f15\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-078f9d0 elementor-widget elementor-widget-heading\" data-id=\"078f9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Le calcul de la retraite compl\u00e9mentaire<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf03dd elementor-widget elementor-widget-text-editor\" data-id=\"8bf03dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le calcul de la retraite compl\u00e9mentaire est bas\u00e9 sur la somme des cotisations vers\u00e9es par le travailleur et des cotisations vers\u00e9es par l&#8217;employeur. Chaque convention collective pr\u00e9voit, en contrepartie de la cotisation minimale du travailleur, une cotisation enti\u00e8rement vers\u00e9e par l&rsquo;entreprise. \u00c0 ce propos, rappelons que les cotisations de l&#8217;employeur ne sont dues qu&rsquo;en cas d&rsquo;adh\u00e9sion \u00e0 des fonds de pension sectoriels.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06938b1 e-con-full e-flex e-con e-child\" data-id=\"06938b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-617d91d e-flex e-con-boxed e-con e-child\" data-id=\"617d91d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81fd9fc elementor-widget elementor-widget-heading\" data-id=\"81fd9fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Planifier sa retraite<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c77c7d elementor-widget elementor-widget-text-editor\" data-id=\"0c77c7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Il est important de planifier sa retraite bien \u00e0 l&rsquo;avance, afin de pouvoir prendre les bonnes d\u00e9cisions pour s&rsquo;assurer un avenir serein. Voici quelques conseils pour planifier sa retraite : <\/p><ul><li><strong>Calculez votre retraite :<\/strong> la premi\u00e8re \u00e9tape consiste \u00e0 calculer la pension que vous recevrez du syst\u00e8me de retraite public et du syst\u00e8me de retraite compl\u00e9mentaire.<\/li><\/ul><ul><li><strong>\u00c9valuez vos besoins<\/strong> : r\u00e9fl\u00e9chissez \u00e0 l&rsquo;argent dont vous aurez besoin pour vivre \u00e0 la retraite.<\/li><\/ul><ul><li><strong>Consid\u00e9rez votre situation financi\u00e8re<\/strong> : \u00e9valuez vos \u00e9conomies et vos revenus.<\/li><\/ul><ul><li><strong>Faites un plan d&rsquo;investissement<\/strong> : un fonds de pension n&rsquo;est pas la seule solution. Mais c&rsquo;est de loin la plus accessible ! <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43375d9 e-con-full e-flex e-con e-child\" data-id=\"43375d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc511a elementor-widget elementor-widget-heading\" data-id=\"9dc511a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calcul de la retraite : d\u00e9couvrez le simulateur Fondapi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a59f7c elementor-widget elementor-widget-text-editor\" data-id=\"3a59f7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le simulateur de retraite de Fondapi est un outil tr\u00e8s utile. Il offre une large gamme de fonctionnalit\u00e9s pour aider les utilisateurs \u00e0 planifier leur avenir en mati\u00e8re de retraite de mani\u00e8re pr\u00e9cise et inform\u00e9e. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e06f188 elementor-widget elementor-widget-button\" data-id=\"e06f188\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Essayez-le maintenant !<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home COMMENT \u00c7A FONCTIONNE Essayez le simulateur Fondapi et d\u00e9couvrez les avantages de la retraite compl\u00e9mentaire ! La retraite est l&rsquo;un des aspects les plus importants de la vie d&rsquo;un travailleur. C&rsquo;est pourquoi il est important de comprendre le calcul de la retraite. Cela permet d&rsquo;estimer la valeur de la pension mensuelle INPS et de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61091,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60900","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Calcul de la retraite - Fondapi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/calcul-de-la-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Calcul de la retraite - Fondapi\" \/>\n<meta property=\"og:description\" content=\"Home COMMENT \u00c7A FONCTIONNE Essayez le simulateur Fondapi et d\u00e9couvrez les avantages de la retraite compl\u00e9mentaire ! La retraite est l&rsquo;un des aspects les plus importants de la vie d&rsquo;un travailleur. C&rsquo;est pourquoi il est important de comprendre le calcul de la retraite. 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