Retirement in Morocco, explained simply

Find your scheme, read its factsheet, visit the official website or estimate your pension.

1. Retirement schemes

Tap “View details” to learn more.

Private sector

CNSS

Caisse Nationale de Sécurité Sociale

The basic scheme for employees in trade, industry, services and agriculture.

View details
  • Who: private-sector employees declared to the CNSS.
  • How: the pension depends on your contribution years and declared salary. The usual age is 60, with minimum contributions.
  • Steps: apply to the CNSS with your ID card and career documents.
Official website of CNSS ↗ Estimate my CNSS pension ↗
Supplementary pension

CIMR

Caisse Interprofessionnelle Marocaine de Retraites

A supplementary scheme added to the basic pension for employees of member companies.

View details
  • Who: employees whose company has joined the CIMR.
  • How: you and your employer contribute; the pension is added to the CNSS pension.
  • Steps: ask your company’s HR department. Joining is optional for the company.
Official website of CIMR ↗ Estimate my CIMR pension ↗
Civil service

CMR

Caisse Marocaine des Retraites

The civil and military pension scheme for permanent State employees.

View details
  • Who: permanent civil servants, military personnel and some public agents.
  • How: the pension reflects your last salary and years of service. Survivors’ pensions may go to spouses and orphans.
  • Steps: your administration prepares the file and sends it to the CMR.
Official website of CMR ↗ Estimate my CMR pension ↗
Non-permanent public agents

RCAR

Régime Collectif d’Allocation de Retraite

Run by the CDG, it covers temporary and contract agents and staff of many public bodies.

View details
  • Who: non-permanent staff of the State, local authorities and affiliated public bodies.
  • How: the pension is based on your years of affiliation and your pay.
  • Steps: your employer helps you build the file. Check which scheme you belong to.
Official website of RCAR ↗ Estimate my RCAR pension ↗
Self-employed and liberal professions

CNSS – Self-employed workers

Traders, craftspeople and liberal professionals contribute to the CNSS under a scheme separate from the one for employees.

View details
  • Who: people working on their own account.
  • Rollout: the scheme applies profession by profession, with dedicated texts (e.g. adouls, bailiffs, tour guides). The CNSS manages it; there is no separate fund.
  • Steps: ask your professional body whether your profession is covered, then contact the CNSS.
Official website of CNSS ↗ Read the legal framework (CNSS) ↗ Estimate my CNSS pension ↗
Moroccans living abroad

Retirement for Moroccans living abroad (MRE)

If you worked in Morocco and abroad, you may be entitled to several pensions, paid by each country.

View details
  • Agreements: Morocco has social security agreements with several countries, including France, Belgium and Spain, which often allow work periods in both countries to be added together.
  • Voluntary contributions: you may be able to keep contributing to the CNSS from abroad; ask for the current rules. Moroccan and foreign pensions can generally be combined.
  • Steps: contact each fund (CNSS, CMR or CIMR in Morocco, and the fund of your country of residence).
Official website of CNSS ↗ Retirement in France: info-retraite.fr ↗ Estimate my CNSS pension ↗

Important: a simulation is only an estimate. Only the relevant body can calculate your actual pension. This site is independent and not an official site.

What is retirement in Morocco?

Retirement in Morocco is based on several compulsory schemes depending on your status: the CNSS for the private sector, the CMR for civil servants and military personnel, and the RCAR for non-permanent staff of the State and public bodies. The CIMR adds an optional supplementary pension. Each body calculates your pension under its own rules.

Which scheme applies to your situation?

Your situationSchemeOfficial website
Private-sector employeeCNSScnss.ma
Civil servant or militaryCMRcmr.gov.ma
Temporary, contract or public-body agentRCAR (run by the CDG)rcar.ma
Employee of a member company (supplement)CIMRcimr.ma
Self-employed or liberal professionCNSS (non-salaried)cnss.ma
Moroccan living abroadCNSS and the fund of your country of residencecnss.ma

How do you estimate your pension in 4 steps?

  1. Find your situation in the table above.
  2. Open your scheme’s factsheet and read the details.
  3. Go to the body’s official website.
  4. Use its simulation section, then confirm the result with the body.

2. Frequently asked questions

Which scheme applies to me?

Private-sector employee: CNSS. Civil servant or military: CMR. Temporary, contract or public-body agent: RCAR. Self-employed or liberal profession: CNSS (non-salaried scheme). The CIMR is added for some private employees.

Can I combine the CNSS and the CIMR?

Yes. The CIMR is an optional supplement added to the CNSS basic pension.

Where can I simulate my pension?

On the official website of your body, using the “Estimate my pension” buttons above.

Is a simulation guaranteed?

No. It is an estimate. Your actual pension is set by the body from your file.