{"id":265,"date":"2026-03-27T11:24:39","date_gmt":"2026-03-27T10:24:39","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=265"},"modified":"2026-03-31T15:35:05","modified_gmt":"2026-03-31T13:35:05","slug":"les-revenus-des-francais-baissent-finalement-peu-a-la-retraite","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/les-revenus-des-francais-baissent-finalement-peu-a-la-retraite","title":{"rendered":"Les revenus des Fran\u00e7ais baissent finalement peu \u00e0 la retraite"},"content":{"rendered":"<p>La majorit\u00e9 des Fran\u00e7ais craignent une chute brutale de leurs revenus \u00e0 la retraite. Qu\u2019ils se rassurent\u00a0: la r\u00e9alit\u00e9 est nettement moins sombre, comme le montre une enqu\u00eate de la Direction de la recherche, des \u00e9tudes, de l&rsquo;\u00e9valuation et des statistiques (Drees) &#8211; un organisme qui d\u00e9pend des minist\u00e8res de l\u2019\u00c9conomie, de la Sant\u00e9 et des Solidarit\u00e9s &#8211; rendue publique le 26 mars 2026.<\/p>\n<p>La valeur m\u00e9diane du taux de remplacement (le ratio entre la retraite re\u00e7ue et le dernier salaire per\u00e7u) se situe \u00e0 75% en France. Dit autrement, la moiti\u00e9 des Fran\u00e7ais connaissent une baisse inf\u00e9rieure de leurs revenus de 25% \u00e0 la retraite, et l\u2019autre moiti\u00e9 une baisse sup\u00e9rieure \u00e0 25%. Pour 50% des nouveaux retrait\u00e9s, la perte de pouvoir d\u2019achat est comprise entre 6% et 38%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Moins_dimpots_a_payer\"><\/span>Moins d\u2019imp\u00f4ts \u00e0 payer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le taux m\u00e9dian de remplacement atteint 80% lorsque le retrait\u00e9 reprend une activit\u00e9 professionnelle, via le dispositif de cumul emploi-retraite. Il grimpe m\u00eame \u00e0 86% si les revenus financiers du retrait\u00e9 et les revenus de son \u00e9ventuel conjoint sont pris en compte.<\/p>\n<p>Mieux\u00a0: en int\u00e9grant les prestations sociales et les imp\u00f4ts (g\u00e9n\u00e9ralement moins \u00e9lev\u00e9s qu\u2019en p\u00e9riode d\u2019activit\u00e9), le taux m\u00e9dian de remplacement tutoie les 91%. \u00ab\u00a0Cette valeur assez proche de 100% signifie que, parmi les personnes qui \u00e9taient encore en emploi juste avant leur d\u00e9part \u00e0 la retraite, la baisse du niveau de vie apr\u00e8s le d\u00e9part reste g\u00e9n\u00e9ralement d\u2019ampleur mod\u00e9r\u00e9e\u00a0\u00bb, r\u00e9sume la Drees.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Moins_de_pauvrete\"><\/span>Moins de pauvret\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Plus d\u2019un tiers (35 %) des n\u00e9o-retrait\u00e9s voient m\u00eame leur niveau de vie augmenter \u00e0 la retraite. C\u2019est le cas pour les demandeurs d\u2019emploi et les personnes invalides. Autre donn\u00e9e \u00e0 rebours des id\u00e9es re\u00e7ues\u00a0: 8,3% des nouveaux retrait\u00e9s sont sous le seuil de pauvret\u00e9, soit 4,1 points de pourcentage de moins qu\u2019au cours de l\u2019ann\u00e9e pr\u00e9c\u00e9dant leur d\u00e9part \u00e0 la retraite (12,4%).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Contrairement aux id\u00e9es re\u00e7ues, le passage \u00e0 la retraite se traduit par une diminution mod\u00e9r\u00e9e du niveau de vie, pointe une \u00e9tude r\u00e9cente de la Drees.<\/p>\n","protected":false},"author":13713,"featured_media":266,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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