{"uid":"cap_rvaGkfbb_IVT3wnq4oPVx","slug":"qotien-fiscal-optimisation-calculator-ifi-per-ir-retraite-c9cbc17c","name":"Qotien Fiscal Optimisation Calculator (IFI, PER, IR, Retraite)","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/optimisation","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"age":{"type":"number","minimum":16,"description":"Âge actuel (ans)."},"rfr":{"type":"number","minimum":0,"description":"RFR — active le net (prélèvements sociaux)."},"sam":{"type":"number","minimum":0,"description":"Salaire annuel moyen (25 meilleures années) — active les gains chiffrés."},"tmi":{"type":"number","maximum":1,"minimum":0,"description":"TMI en FRACTION 0-1 (ex. 0,30 pour 30 %) — chiffre l'économie d'IR du rachat / PER. ⚠️ l'outil \"tmi\" RENVOIE un pourcentage (30) ; ici on attend la fraction (0,30)."},"parts":{"type":"number","default":1,"minimum":1},"statut":{"type":"string","description":"Statut (insensible à la casse/accents). Reconnus : \"salarié\" (défaut), \"fonctionnaire\", \"profession libérale\" / \"TNS\" / \"indépendant\"."},"age_legal":{"type":"number","default":64,"minimum":60,"description":"Âge légal de départ (défaut 64)."},"nb_enfants":{"type":"number","minimum":0,"description":"Nombre d'enfants — active surcote parentale (MDA) + majoration ≥3."},"mda_parentale":{"type":"boolean","description":"≥1 trimestre de majoration de durée d'assurance pour enfant."},"date_naissance":{"type":"string","format":"date","pattern":"^\\d{4}-\\d{2}-\\d{2}$","description":"Date de naissance (YYYY-MM-DD) — recale le gel LFSS 2026 et la fenêtre surcote parentale."},"trim_manquants":{"type":"number","minimum":0,"description":"Trimestres manquants pour le taux plein — active le levier rachat."},"quotite_travail":{"type":"number","maximum":1,"minimum":0.1,"description":"Retraite progressive : quotité de temps partiel (0-1)."},"salaires_annuels":{"type":"array","items":{"type":"object","required":["annee","salaire_brut"],"properties":{"annee":{"type":"number","description":"Année civile (ex. 2018)."},"salaire_brut":{"type":"number","minimum":0,"description":"Salaire brut de cette année (€)."}},"additionalProperties":false},"description":"Optionnel : carrière année par année pour l'optimisation du SAM."},"trimestres_acquis":{"type":"number","minimum":0},"trimestres_requis":{"type":"number","default":172,"minimum":1},"pension_brute_annuelle":{"type":"number","minimum":0,"description":"Pension de base brute annuelle — active les gains nets."},"pension_complementaire_annuelle":{"type":"number","minimum":0}}},"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":"Optimisation de fin de carrière (menu classé des leviers)","value":0},"domaine":"retraite","sources":["CSS art. L351-14-1 (rachat), L351-1-2-1 (surcote parentale), L161-22-1-5 (retraite progressive), L161-22 (cumul)","Circulaire CNAV 2026-04 (barème VPLR)","Service-Public F15675/F16336/F12842/F13243","retraite_engine.js (leviers golden-testés, exemples officiels)"],"confiance":"estime","capability":"optimisation","referentiel":"references_officielles.json v0.8.6","annee_revenus":2025,"millesime_fiscal":"2026"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"1","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":"$1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_iVCgsTy_ZC0GTltyGdCPf","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes French retirement and fiscal optimisation levers (PER, rachat de trimestres, progressive retirement, surcote parentale) based on personal profile and career data, sourced from Légifrance and BOFiP.","exampleAgentPrompt":"I'm a 56-year-old French salarié, born 1968-04-15, with a TMI of 30%, an RFR of 55000, a SAM of 48000, 132 trimestres acquis and 12 trimestres manquants, 2 children — can you run an end-of-career optimisation on Qotien to rank my best retirement levers like PER contribution and quarter buybacks?","exampleUseCases":[{"title":"End-of-career optimisation for salarié","prompt":"I'm 58, born on 1965-07-20, a French salarié with a TMI of 41%, an RFR of 80000, a SAM of 65000, 140 trimestres acquis and 8 manquants, and 3 children — what are my best retirement optimisation levers and how much can I save?"},{"title":"PER tax saving estimate for liberal profession","prompt":"I'm a French profession libérale, age 52, with a TMI of 30% and an RFR of 70000. Can you calculate my potential IR savings from a PER contribution and rank it against other fiscal levers?"},{"title":"Progressive retirement simulation for fonctionnaire","prompt":"I'm a French fonctionnaire, born 1961-03-10, currently at 80% work (quotité 0.8), age 63, with 160 trimestres acquis and 0 manquants. Can you simulate my progressive retirement optimisation options and tell me what end-of-career levers are available?"}],"resultDescription":"Returns a JSON object containing ranked retirement and fiscal optimisation levers (value, label, unit), confidence level (fiable/estime/variable/partiel), legal sources from Légifrance/BOFiP, fiscal millésime applied, domain, capability name, and an advisory disclaimer. For retirement tools, also includes breakdown by regime and confidence per result.","failureModes":["Missing required TMI or age causing unranked output","TMI provided as percentage (e.g. 30) instead of fraction (e.g. 0.30) causing miscalculated IR savings","Invalid date_naissance format (not YYYY-MM-DD) causing gel LFSS 2026 miscalibration","Statut value not recognised (case/accent mismatch) defaulting to salarié unexpectedly","trimestres_acquis outside plausible range causing non_calculable confidence","ok:false with error field when required fields are absent or out of valid range"],"whenToPreferThis":"Choose this endpoint when you need French-law-sourced computation of retirement and fiscal optimisation levers (PER, rachat de trimestres, progressive retirement, parental bonus quarters) for a specific individual profile. It is particularly strong for CGP (wealth management advisor) workflows requiring ranked, source-cited recommendations. Prefer it over generic financial calculators when French legal sources (Légifrance, BOFiP) and multi-regime retirement (32 régimes) accuracy are required.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T18:53:41.725Z","isFirstParty":false}