Are you one of the 5% winners with Bayrou’s announcements?

As part of his budgetary savings plan, François Bayrou announced the freezing of pensions and the abolition of the 10%reduction, replaced by a lump sum reduction at 2000 euros per retiree. Consequently, Paradoxically, a few households would emerge from these budgetary economy measures.

The retirees were presented as the big losers of François Bayrou’s plan to achieve budgetary savings, presented on July 15. Meanwhile, And right. Furthermore. Moreover, They will be affected not only by the white year which will affect the amount of their pension in 2026 but also by the abolition of the tax reduction of 10% from which they benefit. However, replaced by a package of 2000 euros.

We can also add the gel of the tax scale. Similarly, you one 5% winners bayrou’s new which stems from the decreed white year but which will affect the refeities as well as the assets. However, All these announcements you one 5% winners bayrou’s will weigh heavily on the budget of the concerned.

In an analysis published on the site of the French Observatory of Economic Conditions (OFCE). However, the economist Pierre Madec estimates the reduction in total household disposable income at 4.9 billion euros. Meanwhile, “Or a drop equivalent to 0.9% of the average standard of living,” he said.

This figure nevertheless hides very different situations. Furthermore, Not all households will be affected in the same proportions by these measures. Similarly, There are even some that will get out of it. 5% precisely, the OFCE tells us.

All losers’ retirees with the white year – You one 5% winners bayrou's – You one 5% winners bayrou's new

How is it possible? Who are these retirees who would benefit from the measures announced by the Prime you one 5% winners bayrou’s new Minister if they were confirmed? To understand, you have to assess the impact of each measurement.

The freezing of retirement pensions first, induced by the white year. Concretely, he would only do losers. In theory, you one 5% winners bayrou’s all should be revalued up to the inflation of the year 2025. Which should be between 1.1 and 1.3% according to the OFCE.

Each retiree would have seen his pension increased by this percentage in January 2026. However. if the white year is confirmed. the shortfall will be more important for an easy pensioner affecting a large pension, than another more modest.

According to a study by DREES, a retiree affects an average of a pension of 1626 euros gross. For this average retiree, the shortfall of a white year would be around twenty euros. While for the 1% retirees with a pension greater than 5,150 euros, the shortfall would be more than you one 5% winners bayrou’s new 65 euros.

Double penalty for 90% retirees

The other major measure announced by François Bayrou. the abolition of the tax reduction of 10% replaced by a Fordaitaire abatement of 2000 euros, would have a more circumscribed impact. First. it you one 5% winners bayrou’s would not change anything for half of the retirees: all those who are simply not taxable.

On the other hand for 40% of households, the impact would be negative. According to estimates by OFCE, 5.2 million households would see their income tax increase with the implementation of this lump sum reduction.

“These are mainly retirees alone. or couples of retirees belonging to the 30% of the wealthiest retirees,” said Pierre Madec in his study.

Indeed. for example. retirees alone with a higher standard of living in the median have previously benefited from the automatic deduction of 10%, which applies within a limit of 4,399 euros. With the you one 5% winners bayrou’s new reform, their deduction would be divided by more than two, at 2000 euros.

For a couple, the impact could be limited because this abatement of 2000 euros is combined. It could therefore be 4000 euros, which is quite close to the current limit. Despite everything. you one 5% winners bayrou’s this represents an additional tax for the wealthiest households which more or less widely exceed this limit.

For all these retirees. it would therefore be the double penalty: they would undergo both the non-increase in their pension. the increase in their income tax.

Couples with a single retiree winners

On the other hand. for some others. the implementation of the fixed reduction of 2000 euros would rather be a good thing, because more advantageous than that of 10%. This would concern 1.5 million households, or 10% of retired households according to the OFCE, and almost that couples with only one retiree.

For these you one 5% winners bayrou’s new homes composed of both a retired and an active (e), the amount of income tax would therefore drop. And for some of them, this drop would even compensate for the loss of money linked to the white year. This would still concern 5% of households according to the you one 5% winners bayrou’s OFCE.

In summary, 90% of households would see their average standard of living down with all of François Bayrou’s measures. Losses that would be fluctuating according to the standard of living in the household. And which could reach almost 1000 euros for couples of retirees belonging to the 10% wealthiest retirees.

While 5% would see their average standard of living increase. In limited proportions, however. It is therefore couples with a single retired and with rather comfortable income. Finally, for the last 5%, the positive effects of the lump sum reduction would cancel those negative of the white year. you one 5% winners bayrou’s new Which would give a stable standard of living.