Retirement and social protection

Simulation — Civil pension calculation: practical guide

Simulator for estimating certain civil-pension entitlements based on entered parameters.

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2026-07-24
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Screenshot of the Simulation portal in Morocco — Civil pension calculation

Quick answer. The civil-pension simulator provided by the ministry responsible for public-administration reform gives an estimate of a civil pension from the career and personal data entered. The ministry states that the result is informative, approximate and non-contractual.

Who is the simulator for?

The tool is designed for situations covered by the civil-pension model built into the application. It asks for information such as the reason for leaving service, dates of birth, recruitment and retirement or removal, the administrative position at departure, and details about service periods, interruptions, mutual insurance and family situation.

The estimate depends on the career record

After the basic information, the simulator uses the administrative situations required to calculate the reference salary. The official guide indicates that, for departures after 2019, the reference salary is based on the average basic emoluments of the previous ninety-six months. A career involving grade changes or interrupted service must therefore be entered carefully.

What does the result show?

The guide provides for outputs including net pension, taxable gross pension, taxable net pension and corresponding deductions. These amounts depend directly on the information entered. A wrong date, index or career period can materially change the estimate.

Why this is not a retirement decision

The simulator applies rules incorporated in the application, including Laws No. 011-71 and No. 72.14 cited by the tool. It does not replace verification of the official career record or the definitive calculation made by the competent pension body when rights are liquidated.

Recommended preparation

  1. gather the key career dates;
  2. identify the final administrative situation;
  3. reconstruct the situations needed for the reference salary;
  4. enter interruptions and family information accurately;
  5. save the result as an estimate only;
  6. have your rights confirmed before making an important financial decision.

The reason for leaving service matters

The official interface distinguishes several scenarios, including early retirement, age limit, accepted resignation, abandonment of post, death, physical incapacity and dismissal with pension rights. This choice affects the calculation scenario. If the legal reason is uncertain, confirm it with your administration or pension body first.

Official sources checked

Key point: use the amount for orientation, not as an official pension notification.