Explanation of the New Values in 2026
AGIRC-ARRCO 2026: New Installment Confirmed
France's supplementary pension system, AGIRC-ARRCO, has announced its new 2026 budget, bringing adjustments that directly affect more than 14 million beneficiaries.
The annual revaluation of the Point Service Value (VSP) is fundamental to ensuring that pensions maintain their purchasing power in the face of projected inflation.
The VSP update is the result of detailed negotiations between social partners, taking into account economic projections and the sustainability of the system.
This adjustment, traditionally made at the beginning of November, reflects not only inflation, but also the need for financial balance in the system.
For retirees, understanding how these changes impact the value of their pension is essential.
This article clearly and objectively presents the details of the AGIRC-ARRCO revaluation in 2026, including calculations, historical evolution, and the payment schedule for installments.
Keep reading to catch up on all the important information.
What is AGIRC-ARRCO?
AGIRC -ARRCO is a mandatory supplementary pension scheme for private sector workers in France.
It supplements the basic retirement pension from the general system, providing additional income to beneficiaries.
Each beneficiary accumulates points throughout their career, based on salaries and contributions paid.
The Point Service Value (PSV) is used to calculate the final pension amount, which is reviewed annually to adjust benefits to the country's economic reality.
How is the Supplementary Pension Calculated?
The calculation of the AGIRC-ARRCO pension is relatively straightforward, but essential for understanding the impacts of revaluation. The main formula is:
Gross annual pension = Number of points accumulated x Point Service Value (PSV)
In addition to VSP, there is the Point Acquisition Value (VA), which indicates how much had to be contributed to acquire each point.
Between 2023 and 2025, the VA showed a consistent increase, reflecting the growth in actuarial costs, while the VSP is adjusted according to inflation projections and decisions of the Board of Directors.
2025 revaluation
For 2025, the increase in VSP was based on inflation projections of 1% (excluding tobacco), according to data from the National Institute of Statistics and Economic Studies (INSEE).
The AGIRC-ARRCO calculation mechanism subtracts 0,4 percentage points from the inflation forecast, establishing a minimum increase of 0,6% for the VSP.
The Board of Directors has leeway to set the effective increase between 0,2% and 1%. Thus, the VSP for November 2025 could range between €1,4473 and €1,4530, depending on the final decision, reflecting a controlled increase that prioritizes the sustainability of the scheme without ignoring inflation.
Historical evolution of VSP and VA
Between 2023 and 2025, the evolution of VSP and VA values showed distinct trends:
| Vintage | VSP | VA |
| 2023 (November 1st) | Revalued by 4,9% | €18,7669 |
| 2024 (November 1st) | €1,4386 (Revalued by 1,6%) | €19,6321 |
| 2025 (June) | €1,4386 | €20,1877 |
| 2025 (Projection Nov 1st) | Between €1,4473 and €1,4530 | €20,1877 |
While the VA continued to rise, reflecting the increasing cost of points, the VSP showed smaller adjustments, maintaining the financial balance of the system.
Impact on Beneficiaries
The revaluation of AGIRC-ARRCO in 2026 represents a direct increase in supplementary pensions, albeit limited by the calculation mechanism.
For retirees, this means an update to the purchasing power of their monthly payments, which is important for those who depend entirely on this income.
It is recommended that beneficiaries check their statements and the number of points accumulated, as small differences in the VSP (Value Added Tax) can significantly alter the final value of the annual pension.
Payment Schedule 2026
AGIRC -ARRCO maintains a regular schedule for supplementary pension payments throughout the year.
These dates are indicative and may vary slightly depending on the financial institution or the method of transferring the benefit.
It is essential that each beneficiary confirms the dates with their statement or the official AGIRC-ARRCO portal.
Actual Values (Updated 2025-2026)
The Board of Directors has set the current pension amounts. Unlike the initial projections for 2025, the final amounts in effect are:
| Period | Service Value (VSP) | Purchase Value (PV) |
| November 2024 – October 2025 | 1,4386 € | 19,6321 € |
| November 2025 – October 2026 | 1,4524 € | 20,1877 € |
| Projection for November 2026 | To be defined (estimate +1,2% to 1,6%) | To be defined |
Note: The increase applied on November 1, 2025 was 1,6% . This amount corresponded to the projected inflation (excluding tobacco), as the social partners decided not to apply the 0,40% reduction that year to protect the purchasing power of pensioners.
Legal Notice
The information presented on this page is strictly for informational purposes and is based on official data released by the AGIRC-ARRCO system up to the year 2026. This content does not replace direct consultation with official services or the AGIRC-ARRCO Online Personal Area .
Amounts, dates and conditions may be changed by decision of the social partners or by updates to French supplementary pension regulations.
For specific questions regarding your individual file, acquired rights, points, or payments, it is recommended to contact the official AGIRC-ARRCO customer service directly at 0 970 660 660 or through the website www.agirc-arrco.fr.