MRE retirement: preparing and living retirement in Morocco in 2026

Morocco has signed social security treaties with France, Belgium, Spain, Italy, Germany, Netherlands, Denmark, Sweden, Portugal, Romania, Tunisia, Egypt, Canada (Quebec), Libya, Mauritania, and others. Principle: insurance periods contributed in each country are totaled to open pension rights. Concrete example: a Moroccan who contributed 15 years in France and 15 years in Morocco will receive two pensions calculated pro-rata to periods, each paid by the relevant national fund. The Moroccan CNSS has a specialized International Treaties service in Casablanca to support MRE in building their bi-national retirement file.

With a monthly budget of 15,000 to 20,000 MAD (1,400-1,900 €), an MRE retiree lives comfortably in Morocco. Details for a couple in a 100 m² apartment in Rabat or Agadir: rent or co-ownership fees 3,000-5,000 MAD, groceries 3,500-5,000 MAD, utilities-internet 1,200 MAD, transport (gas or taxi) 1,500 MAD, leisure and dining 2,000 MAD, private health insurance 1,500 MAD/person, misc 1,500 MAD. For premium cities (Marrakech Palmeraie, Casablanca Anfa), expect 25% to 35% more. For mid-sized cities (Meknes, Fez, Beni Mellal, Nador), 30% to 40% less. These budgets are 40% to 60% below France for equivalent lifestyle, explaining why a French pension of 2,000 € enables a very comfortable life in Morocco.