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Guide des droits et des démarches administratives
Retraite d'un agent public : qu'est-ce que la surcote ?
Question-réponse
Si vous partez à la retraite au-delà de l’âge de départ minimum en ayant un nombre de trimestres d’assurance retraite supérieur au nombre de trimestres exigé pour avoir droit à une retraite à taux plein, votre pension de retraite est majorée en fonction du nombre de trimestres supplémentaires cotisés.
L’âge de départ minimum pris en compte est l’âge de départ minimum applicable aux fonctionnaires de catégorie sédentaire même si vous êtes fonctionnaire de catégorie active.
Les trimestres cotisés supplémentaires pris en compte sont les trimestres civils entiers suivant celui au cours duquel vous avez atteint l’âge minimum de départ en retraite.
Chaque trimestre civil entier cotisé supplémentaire augmente votre retraite de 1,25 %.
Exemple
Si vous êtes né le 9 octobre 1964, vous pouvez partir à la retraite à taux plein à partir de 62 ans et 9 mois (1er août 2027) si vous avez 170 trimestres. Si vous décidez de partir plus tard, au 1er octobre 2028 soit 4 trimestres entiers suivant celui au cours duquel vous avez atteint vos 62 ans et 9 mois et vos 170 trimestres , votre pension de retraite est majorée de 5 % (4 x 1,25 %).
La surcote ne se cumule pas avec la surcote parentale (accordée si vous avez atteint, à 63 ans, le nombre de trimestres exigé pour avoir droit à une retraite à taux plein et si vous bénéficiez d'au moins 1 trimestre d'assurance retraite gratuit pour enfant).
Attention
Si vous êtes contractuel, vous pouvez bénéficier d'une surcote dans les mêmes conditions qu'un salarié du secteur privé.
Modifié le 01/01/2026
- Service Public / Direction de l'information légale et administrative (Premier ministre)
