CNSS retirement in Morocco 2026: pension calculation and process

Official formula

Base pension = 50 % × SAMR (Reference Average Annual Salary over last 8 years before departure).

Bonus: +1 % per additional year of contribution beyond 15 years validated. Capped at 70 % of SAMR (reached after 35 years of contributions).

Floor: vital minimum guaranteeing MAD 1,500/month minimum for beneficiaries with ≥ 15 years contributed. Ceiling: MAD 6,000/month maximum CNSS (beyond = complementary CIMR or private retirement).

3 worked examples 2026

Example 1 — Executive MAD 15,000/month × last 8 years → SAMR = MAD 180,000/year. 35 years contributed (max bonus): Pension = 70 % × 180K = MAD 126,000/year i.e., MAD 10,500/month. Capped by CNSS at MAD 6,000/month max.

Example 2 — Employee MAD 6,000/month × last 8 years → SAMR = MAD 72,000/year. 30 years contributed (50 % + 15 × 1 %): Pension = 65 % × 72K = MAD 46,800/year i.e., MAD 3,900/month.

Example 3 — Worker MAD 3,500/month × last 8 years → SAMR = MAD 42,000/year. 25 years contributed (50 % + 10 × 1 %): Theoretical pension = 60 % × 42K = MAD 25,200/year i.e., MAD 2,100/month. No floor since > 1,500.

Legal departure age: 60

Private-sector employees: legal age 60 with minimum 3,240 days of contributions (equivalent 9 years full-time) to benefit from proportional pension (minimum MAD 1,500).

For full pension: 35 years of contributions (equivalent 12,600 validated days). Possibility to continue working after 60 with employer agreement (employment-retirement cumulation authorized).

Early retirement at 55

Cumulative conditions: (1) Having reached 55 completed years, (2) Having contributed minimum 3,240 days (9 years), (3) Justifying valid reason: recognized partial disability, long chronic illness, company restructuring (PSE).

Anticipation discount: -1 % per anticipated year. So for departure at 55 (5 years anticipated): -5 % on calculated pension.

Progressive retirement (since 2024)

Possibility to reduce working time to 60 % - 80 % from 58, receiving a fraction of pension proportional to freed time. Test program ongoing, generalization planned 2026-2027.

Advantages: smooth transition to retirement, maintain partial activity, CNSS complement on reduced portion. Drawback: final pension slightly reduced (-2 to -4 %) depending on progressive duration.

Step 1 — Quarters contributed verification (to do at 55-58)

Download your CNSS career statement via Mon DAMANE > 'My rights' > 'Career statement'. Verify each employment period declared by successive employers.

In case of omission or error (employer who did not declare): file a claim with payslips from the era. Regularization delay 3-12 months depending on file age.

Step 2 — Pension simulation via Mon DAMANE

'Retirement simulation' section > input years contributed + estimated SAMR → calculate forecasted pension.

Compare with other tools: CIMR simulator for executives with complementary retirement, RCAR simulator for civil servants.

Step 3 — Official liquidation request (at 60)

3 months before 60: file request on Mon DAMANE > 'Retirement liquidation' > upload birth certificate + last payslip + RIB.

CNSS processing delay: 60-90 days. First pension paid 4-6 months after deposit (retroactive to 1st day following activity cessation).

Surviving spouse

50 % of deceased's pension paid to surviving widow/widower, provided: marriage > 1 year before death, no remarriage of surviving spouse.

For polygamous couples (rare cases): pension divided equally between surviving wives. Civilly recognized Muslim marriage required.

Dependent children

25 % of deceased's pension paid to each orphan child under 21 (26 if student). For father AND mother orphan: 50 % per child.

Direct transfer to designated legal guardian's bank account. Annual renewal of school certificate required.