AVS retirement budget: CHF and euro pensions
A France–Switzerland overview based on your funds' estimates.
Retirement & savings
Swiss retirement age: your AVS reference date
A clear date to start preparing the paperwork, while keeping French and Swiss rules distinct.
Editable example · calculation assumptions, not an offer
Alperea Assurances
Your calculation
Swiss AVS reference age only. French retirement, early or deferred retirement and special circumstances require separate calculations.
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Scenario kept on this page
Understanding this result
A Swiss date kept separate from your French retirement.
The Swiss reference age is 65 for men. For women born in 1961, 1962 and 1963, the transition adds 3, 6 or 9 months to age 64 respectively; it is 65 for those born from 1964 onwards. The ordinary pension starts no earlier than the month after reaching the reference age.
Is this when all my pensions start automatically?
No. You need to apply, and your schemes may follow different schedules. This tool does not calculate French retirement, early retirement or deferral.
Sources and method
Method checked on Oct 21, 2026
