What CASNOS pension in 2026?
Estimate your CASNOS self-employed retirement pension in seconds. The calculation follows the formula CASNOS itself publishes: 2.5% per contributing year applied to the average of your ten best annual contributions, with the 75%-of-SNMG floor the fund applies and the dependent-spouse supplement. Fifteen contributing years open a pension, five to fourteen open a retirement allowance.
Minimum 5 years for an allowance, 15 for a pension. Capped at 32 years, the 80% maximum rate.
These are contributions paid, not income. CASNOS recovers the income base by dividing by the 15% rate.
Your monthly estimate
Retirement pension
18,000 DZD
Per year : 216,000 DZD
Liquidation rate
50 %
Gross monthly amount
16,667 DZD
Floor applied
Amount BEFORE income tax. IRG is not deducted here, see the note below.
Why this may differ from the CASNOS simulator. The calculator published on casnos.com.dz computes with an SNMG table that stops in 2019. Because the 2026 SNMG is missing from it, the comparison that triggers the 75%-of-SNMG floor never fires, and the tool settles at the 15,000 DZD floor of ordonnance 12-03 of 13 February 2012 instead of the 18,000 DZD implied by the current SNMG of 24,000 DZD per month. That 2012 floor was never revalued and stops biting as soon as 75% of the SNMG exceeds it, which has been the case since the SNMG passed 20,000 DZD per month. For a moudjahid their calculation returns a non-numeric value and displays nothing at all. This page uses the SNMG in force under decret presidentiel 26-01. We do NOT show a net figure: the IRG brackets used by CASNOS were not verified against the 2026 finance act, and a wrong net is worse than an honest gross.
CASNOS pension, frequently asked questions
How many years do I need for a CASNOS pension?+
Fifteen contributing years open a retirement pension. Between five and fourteen years, the right is a retirement allowance. The 3,500 DZD monthly floor applied to that allowance comes from the simulator CASNOS publishes itself on casnos.com.dz, read on 10 August 2026; we did not find it in loi 83-12, so we give it as the fund's practice and not as a statutory amount. Below five years, no right is open.
What is the retirement age for a self-employed worker?+
The legal age is 65. A self-employed woman may claim at 60 on request, with a further reduction of one year per child up to three years. For moudjahidine the required age is reduced by five years, plus one more year per 10% invalidity band.
How is the pension calculated?+
Each contributing year is worth 2.5% of the base, capped at 32 years or 80%. The base is recovered from the average of your ten best annual contributions, divided by the 15% contribution rate. For moudjahidine, years of participation in the liberation war count double and are validated at 3.5% per year, with the rate then able to reach 100%.
What is the minimum CASNOS pension?+
The minimum used here equals 75% of the guaranteed national minimum wage. With an SNMG of 24,000 DZD per month that is 18,000 DZD per month. We give that percentage as the rule the fund applies, not as a statutory quotation: article 16 of loi 83-12 states the minimum as a multiple of the hourly SNMG rather than as a percentage, and we found no published text writing the 75%. A separate 15,000 DZD monthly floor, set by article 5 of ordonnance n° 12-03 of 13 February 2012 (JO n° 08 of 15 February 2012), is still on the books but no longer bites: it applies without prejudice to the retirement legislation, and the minimum used here is higher. For a moudjahid the minimum is two and a half times the SNMG.
Does the dependent-spouse supplement still exist?+
Yes. It is 2,500 DZD per month under article 15 of loi 83-12 as amended by article 3 of loi 99-03, and the official CASNOS simulator still applies that amount.
Why is this a gross figure?+
Because the income tax applying to pensions could not be verified against the 2026 finance act. In its own tool CASNOS applies hard-coded IRG brackets plus a regional abatement of 25% for Bechar, El Bayadh and Naama and 50% for Adrar, Tamanrasset, Ouargla, Illizi and Tindouf. We would rather publish an exact gross than an uncertain net.
Is anything withheld from the pension?+
Yes, a 2% social security retention applies once the pension reaches the SNMG. Below the SNMG it is nil. That retention is already reflected in the amount shown.
Go further
Your CASNOS pension, checked properly
Affiliation, contributions, the clearance certificate and any arrears. We assemble the file and follow it through the agency.
