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Simulate your CNSS retirement pension

Contribution days, reference salary, 50 to 70% rate: the monthly amount the CNSS will pay you under the rules in force in 2026.

Estimate your CNSS retirement pension

Three details are enough. Nothing is computed until you press “Calculate”.

years

The legal CNSS retirement age is 60 · e.g. 52

MAD

Average of your last 96 months declared to the CNSS. Anything above MAD 6,000 does not count. · e.g. 7,500

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The CNSS old-age pension scale

General scheme for private-sector employees. Since 1 May 2025 (law 02.24, decree 2.25.265), a pension right opens from 1,320 days. Rules verified in November 2026.

Contribution daysMonthly pensionBasis
Under 1,320 daysNo pension — refund of the employee share possibleLaw 02.24
1,320 to 1,704 daysMAD 600 (flat)Decree 2.25.265
1,705 to 2,088 daysMAD 700 (flat)Decree 2.25.265
2,089 to 2,472 daysMAD 800 (flat)Decree 2.25.265
2,473 to 2,856 daysMAD 900 (flat)Decree 2.25.265
2,857 to 3,239 daysMAD 1,000 (flat)Decree 2.25.265
3,240 days50% of the reference salary (min. MAD 1,000)Dahir 1-72-184
+ 216 days+ 1 point per full trancheDahir 1-72-184
7,560 days and more70% — maximum MAD 4,200 (MAD 6,000 ceiling)Dahir 1-72-184

How the CNSS calculates your pension

The old-age pension depends on two figures: your declared contribution days and your reference salary. The reference salary is the average of your declared salaries over the last 96 months (eight years), capped at the contribution ceiling of MAD 6,000 a month. At 3,240 days, about ten and a half full-time years, the pension is 50% of that reference salary. Each full extra tranche of 216 days adds one point, up to 70% at 7,560 days. A full-right pension cannot be below MAD 1,000 nor above MAD 4,200 a month.

Example: a 60-year-old with 6,000 days and an average declared salary of MAD 5,000 gets 50% + 12 points (2,760 days beyond 3,240, i.e. 12 tranches of 216) = 62% of 5,000, or MAD 3,100 a month. With a declared salary of MAD 15,000, the calculation uses 6,000: 62% × 6,000 = MAD 3,720, a quarter of the real salary. That is why executives usually add a complementary pension (CIMR).

Under 3,240 days: the flat pension since 2025

Until 2025, an employee short of 3,240 days was only entitled to a refund of contributions. Law 02.24 and decree 2.25.265, applied by the CNSS since 1 May 2025, now open a flat pension from 1,320 days: MAD 600 a month from 1,320 to 1,704 days, then MAD 100 more per tier of 384 days, up to MAD 1,000 between 2,857 and 3,239 days. The amount includes AMO health coverage and does not depend on salary. People retired since 1 January 2023 can claim it retroactively through the Taawydati portal or an agency.

An employee close to 3,240 days should reach that threshold: moving from the flat pension (MAD 1,000 at most) to a salary-based pension can triple the amount. The simulator shows exactly how many days you are missing.

Undeclared days: the real risk for your retirement

The CNSS only knows what your employers declared. Months worked without declaration, salaries declared at the minimum wage while you earned more, an employer gone without regularising: each anomaly reduces your days or your reference salary, hence your pension, for the rest of your life. Check your career statement on macnss.ma well before 60 and keep your payslips and contracts.

In case of a gap, regularisation goes through a claim with the CNSS and then, if the employer refuses or has disappeared, an action before the labour court: the Labour Code and the 1972 dahir require employers to register and declare every employee, under penalty and with liability for the missing contributions. A labour lawyer builds the evidence file (contracts, payslips, testimonies, bank statements) and starts the procedure.

Lawyers at your service

Labor Law lawyers in Morocco

Verified profiles, members of Moroccan bar associations — call or message them directly from their page

Abdelkader AL Younssi
15 years of experience

Abdelkader AL Younssi

Cabinet Me. Abdelkader AL Younssi•Tetouan

Mr Abdelkader AL Younssi, lawyer at the Tétouan Bar and former judge with 40 years of experience, assists individuals and businesses with legal advice and in the follow-up of their cases. The firm practises in particular in family law, road traffic law, labour law, summary (interim) proceedings, land and real estate disputes, as well as the rights of Moroccans residing abroad (MRE). Each case is the subject of careful analysis, with clear and confidential exchanges. The firm is located in Tétouan. Consultations are offered at the office and by telephone. Discussions may be held in Arabic, French, Spanish and Rifian. For an initial contact or an appointment request, contact the firm by telephone or email, briefly specifying the purpose of your request and your availability.

Family LawReal Estate LawLabor Law+12
French · Arabic · Spanish · +1
Direct contact only
View Profile
Zakaria Belkasseh
10 years of experience

Zakaria Belkasseh

Cabinet Me. Zakaria Belkasseh•Casablanca

Holder of a Bachelor’s degree in Legal Sciences (Private Law) – French Section, awarded in 2013, Maître Zakaria BELKASSEH also holds a Master’s degree in Legal Sciences – Business Law Option, with the grade « Bien », from the Faculty of Legal, Economic and Social Sciences – Rabat Agdal – Université Mohammed V in 2015 In February 2016, he was sworn in and registered with the Casablanca Bar Association, placing his know-how and his constant determination to succeed at the service of the clients of CABNET BELKASSEH LAW FIRM, in order to provide them with a quality service that meets their expectations and requirements.

Criminal LawBusiness LawLabor Law+4
French · Arabic · English
Direct contact only
View Profile
خديجة أمنصور
7 years of experience

خديجة أمنصور

Cabinet Me. خديجة أمنصور•Marrakech

The Law Firm of Maître Khadija Oumansour, Attorney at the Marrakech Bar, provides legal advisory, assistance and legal and judicial representation services for individuals and companies. The Firm practises in several areas of law, in particular civil law, commercial law, business law, labour law, insurance law, family law as well as administrative law. Its activity includes the study and analysis of case files, the management of disputes, the drafting of legal deeds and briefs, the follow-up of judicial proceedings as well as the defence of its clients’ rights and interests before the various courts and competent authorities. The Firm bases its approach on professionalism, legal rigour, availability and attentiveness, giving particular attention to each case in order to provide legal solutions tailored to its clients’ needs.

Business LawFamily LawLabor Law+33
French · Arabic · Amazigh
Direct contact only
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See all Labor Law lawyers

Go deeper with the CNSS retirement guide

Conditions, documents, liquidation deadlines, survivor pension — the full 2026 guide.

Read the guide

Frequently asked questions

At what age can you retire under the CNSS in Morocco?
At 60 in the general scheme (55 for miners with at least five years underground). Early retirement between 55 and 59 is possible with 3,240 contribution days, the employer’s agreement and a one-off premium paid by the employer to the CNSS. A reform gradually raising the legal age is under discussion, but no law is in force as of November 2026.
How many contribution days are needed for a CNSS pension?
3,240 days open the full-right pension (50% of the reference salary). Since 1 May 2025, a flat pension of MAD 600 to 1,000 is granted from 1,320 days. Below 1,320 days no pension is due, but the employee share of contributions can be refunded. The CNSS counts 26 days a month, i.e. 312 days for a full year.
What is the maximum CNSS pension?
MAD 4,200 a month: the 70% maximum rate (reached at 7,560 days) applied to the MAD 6,000 ceiling. Whatever your real salary, the part above MAD 6,000 is not taken into account. Complementary pensions (CIMR, insurance) are paid separately.
How is the reference salary calculated?
It is the average of the monthly salaries declared to the CNSS over the last 96 months (eight years) before retirement, each month capped at MAD 6,000. Badly declared final years therefore weigh directly on the pension.
My employer did not declare me to the CNSS, what can I do?
First get your career statement on macnss.ma and file a claim with the CNSS with your evidence (contract, payslips, transfers). If the employer does not regularise, an action before the labour court can establish the employment relationship and the liability for contributions. A labour lawyer secures the evidence and the deadlines.
Does the simulator replace the CNSS liquidation?
No. It applies the legal rules to your own figures to give you an order of magnitude and the number of days to the next step. Only the CNSS liquidates the pension from your actually declared career, after the claim file is submitted.

Claim all your retirement rights

Missing days, under-declared salaries, vanished employer: a labour lawyer obtains the regularisation of your career with the CNSS.

Find a labour lawyer