{"uid":"cap_m2glYMnRJELc9q-bPjmeB","slug":"qotien-pension-annuities-calculator-french-special-regimes-eb1e0dfa","name":"Qotien Pension Annuities Calculator (French Special Regimes)","description":"Simulateur IFI, PER, IR et retraite (32 régimes). Logiciel CGP : bilan patrimonial, déclaration 2042, LMNP. Chiffres sourcés Légifrance et BOFiP. 14 jours d'essai.","url":"https://app.qotien.fr/api/fiscal/v1/calc/pension_annuites","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"age_legal":{"type":"number","default":64,"minimum":60,"description":"Âge légal du régime (ancre du temps). Défaut 64."},"age_depart":{"type":"number","minimum":50,"description":"Âge de liquidation (ans). Défaut = taux plein (aucune décote). Un départ avant l'âge d'annulation applique la décote 1,25 %/trim (plafond 20)."},"code_regime":{"enum":["fonction_publique","fspoeie","sncf","ratp","banque_de_france","crpcen","opera","comedie_francaise","ieg"],"type":"string","description":"Code du régime en annuités (voir retraite_regimes). Ex. fonction_publique, sncf, ratp, banque_de_france, ieg."},"salaire_reference":{"type":"number","minimum":0,"description":"Assiette annuelle brute : dernier traitement indiciaire (fonction publique) ou salaire/traitement de référence des derniers mois (régimes spéciaux, IEG), HORS primes."},"trimestres_requis":{"type":"number","default":172,"minimum":1,"description":"Durée d'assurance requise pour le taux plein (défaut 172)."},"trimestres_liquidables":{"type":"number","default":0,"minimum":0,"description":"Trimestres liquidés au régime (numérateur du prorata durée liquidée ÷ requise)."}}},"responseSchema":{"type":"json","schema":{"type":"object","required":["ok","domaine","capability","result","confiance","sources","millesime_fiscal"],"properties":{"ok":{"type":"boolean","description":"true = succès ; false = erreur (champ \"error\" présent à la place de result)."},"result":{"type":"object","properties":{"unit":{"type":"string","description":"Unité de value (EUR, PERCENT, RATE…)."},"label":{"type":"string","description":"Libellé lisible du résultat."},"value":{"type":"number","description":"Valeur principale (quand le résultat est scalaire)."},"confiance":{"enum":["fiable","estime","partiel","non_calculable","sourcee","variable"],"type":"string","description":"Confiance propre au résultat retraite (prime sur la confiance de capacité)."}},"description":"Résultat. Contient typiquement { value:number, unit:string, label:string } ; les outils retraite ajoutent confiance, fourchette, et le détail par régime."},"domaine":{"enum":["fiscal","retraite","referentiel","qotien"],"type":"string","description":"Domaine de la capacité."},"sources":{"type":"array","items":{"type":"string"},"description":"Sources primaires/légales du calcul."},"confiance":{"enum":["fiable","estime","partiel","non_calculable","sourcee","variable"],"type":"string","description":"Niveau de confiance de CE résultat (fiscal = fiable ; retraite = variable)."},"capability":{"type":"string","description":"Nom de la capacité appelée."},"referentiel":{"type":"string","description":"Version du référentiel sourcé utilisé."},"annee_revenus":{"type":"number","description":"Année des revenus concernés."},"avertissement":{"type":"string","description":"Avertissement d'usage (résultat brut, pas un conseil personnalisé)."},"millesime_fiscal":{"type":"string","description":"Millésime fiscal (année des barèmes appliqués)."}}},"example":{"ok":true,"result":{"unit":"EUR","label":"Pension d'un régime en ANNUITÉS (fonction publique, régimes spéciaux, IEG-CNIEG)","value":0},"domaine":"retraite","sources":["references_officielles.json v0.8.6","retraite_registre.js (routage, source unique)","retraite_engine.js (formules golden-testées ; fonction publique = exemple officiel SRE)"],"confiance":"fiable","capability":"pension_annuites","referentiel":"references_officielles.json v0.8.6","annee_revenus":2025,"millesime_fiscal":"2026"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.25","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.25/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_1C9bOaDdzYiwu0ynF8038","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.25","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates annual pension amounts for French annuity-based retirement regimes (fonction publique, SNCF, RATP, IEG, etc.) given age, service duration, and reference salary.","exampleAgentPrompt":"Can you calculate the annual pension for a French civil servant (fonction_publique) with a reference salary of €42,000, retiring at age 64 with 168 liquidable quarters out of 172 required?","exampleUseCases":[{"title":"Civil servant early retirement penalty check","prompt":"I'm a French civil servant planning to retire at 62 instead of 64. My reference salary is €38,000 and I have 160 liquidable quarters. Can you calculate my pension under the fonction_publique regime and show me how much the early departure penalty reduces it?"},{"title":"SNCF employee pension projection","prompt":"Can you estimate the annual pension for an SNCF employee with a reference salary of €45,000, retiring at the legal age of 64 with 172 liquidable quarters out of 172 required?"},{"title":"IEG regime pension simulation for financial advisor","prompt":"I'm advising a client who works in the energy sector under the IEG regime. She earns €52,000 per year and has accumulated 160 trimestres liquidables out of 172 required. Can you simulate her annual pension if she retires at age 64?"}],"resultDescription":"Returns a JSON object with ok status, a result object containing the computed annual pension value in EUR with a human-readable label, a confidence level (fiable/estime/partiel/variable), an array of official legal sources (Légifrance, BOFiP), the fiscal vintage used, and any applicable usage warnings. Early departure penalties (1.25%/quarter, capped at 20%) are automatically applied when departure age is below the full-rate cancellation age.","failureModes":["Invalid code_regime value returns validation error — must be one of the 9 supported enum values","age_depart below minimum of 50 triggers schema validation failure","salaire_reference of 0 returns a pension of 0 with no error","Missing required fields returns error with ok:false and error description","Ambiguous trimestres_liquidables exceeding trimestres_requis may produce unexpected prorata results","Network timeout or payment failure returns HTTP 402 if x402 payment not completed"],"whenToPreferThis":"Use this endpoint when you need to compute pension amounts specifically for French annuity-based retirement regimes (fonction publique, SNCF, RATP, Banque de France, IEG, CRPCEN, Opéra, Comédie-Française, FSPOEIE). It applies the correct prorata formula (liquidable quarters ÷ required quarters × accrual rate × reference salary) and automatically handles early-departure penalties. Prefer it over generic retirement calculators when the user falls under one of these 9 special regimes rather than the standard CNAV/AGIRC-ARRCO general regime.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T18:49:05.165Z","isFirstParty":false}