Morocco state pension 2026: how it is calculated
The public pension in Morocco follows national rules that usually look at your years of work or contributions, your pay and the age at which you claim it. The calculator above applies the 2026 rules to your own working life. Below you will find the rules in brief, an example by claim age and what your contributions buy.
The rules in brief
- CNSS old-age pension: Private-sector employees can retire at 60 with at least 3,240 days of contributions. The pension is 50% of the average monthly pay of the last 96 months (counted up to MAD 6,000), plus 1% for each 216 additional days, up to 70%. Workers with fewer days get their contributions back. A pension reform is under discussion.
Example: pension by claim age
| Age | Status | Gross / month (MAD) | Net / month (MAD) |
|---|---|---|---|
| 60 | Full pension | 4,200 | 4,200 |
For someone aged 35 today who has worked 15 years so far, with an average of MAD 6,000 gross a month until now, earning MAD 8,000 from now with pay rising 1% a year above inflation, who works 30 more years. Amounts in today’s money, 12 payments a year. Enter your own career in the calculator for your figure.
How the example is made up
CNSS old-age pension MAD 4,200 a month: 70.0% of your average pay over the last 8 years, counted up to MAD 6,000 a month (12,480 contribution days; 3,240 days give 50%, each extra 216 days add 1%, up to 70%). Pay above MAD 6,000 is not insured; many employers add a supplementary pension (CIMR). Estimate.
What your contributions buy
Over the whole career you would pay MAD 129,024 in pension contributions (MAD 387,072 including your employer’s share). With a net pension of MAD 50,400 a year and about 21.1 years in retirement at average life expectancy, you would receive about MAD 1,060,920 in all, 8.22× your own contributions. The pension replaces 46.6% of your final net salary.
Frequently asked questions
How much pension will I get in Morocco?
In the example, MAD 4,200.00 net a month (MAD 4,200.00 gross) when claiming at 60 after 40 years of work. Your own amount depends on your years of contributions and your pay: enter them in the calculator above.
Can I retire early in Morocco?
Not in the example: the pension starts at 60. Check the rules above for any exceptions that may apply to you.
Is this my official pension?
No, it is an estimate under the 2026 rules. Your official pension statement from the pension authority in Morocco is the final word.
Rules and official sources: see “Rules applied (2026)” above. Last checked: October 2026. The amounts are estimates for information, not financial or legal advice.