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Qotien Fiscal Optimisation Calculator (IFI, PER, IR, Retraite)
x402
Qotien Fiscal Optimisation Calculator (IFI, PER, IR, Retraite) is a paid API for AI agents from app.qotien.fr, paid per call via x402, $1/call, status unknown (last checked 2026-09-15).
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.
Price / call$1
Success—
StatusUnknown
How this service works
Simulateur IFI, PER, IR et retraite (32 régimes). Logiciel CGP : bilan patrimonial, déclaration 2042, LMNP. Chiffres sourcés Légifrance et BOFiP. 14 jours d'essai.
Output
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.
Example use cases
End-of-career optimisation for salarié
“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?”
PER tax saving estimate for liberal profession
“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?”
Progressive retirement simulation for fonctionnaire
“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?”
Technical details
Endpoint
POSThttps://app.qotien.fr/api/fiscal/v1/calc/optimisationWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| age | number | Âge actuel (ans). |
| rfr | number | RFR — active le net (prélèvements sociaux). |
| sam | number | Salaire annuel moyen (25 meilleures années) — active les gains chiffrés. |
| tmi | number | 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 | number | |
| statut | string | Statut (insensible à la casse/accents). Reconnus : "salarié" (défaut), "fonctionnaire", "profession libérale" / "TNS" / "indépendant". |
| age_legal | number | Âge légal de départ (défaut 64). |
| nb_enfants | number | Nombre d'enfants — active surcote parentale (MDA) + majoration ≥3. |
| mda_parentale | boolean | ≥1 trimestre de majoration de durée d'assurance pour enfant. |
| date_naissance | string | Date de naissance (YYYY-MM-DD) — recale le gel LFSS 2026 et la fenêtre surcote parentale. |
| trim_manquants | number | Trimestres manquants pour le taux plein — active le levier rachat. |
| quotite_travail | number | Retraite progressive : quotité de temps partiel (0-1). |
| salaires_annuels | array | Optionnel : carrière année par année pour l'optimisation du SAM. |
| trimestres_acquis | number | |
| trimestres_requis | number | |
| pension_brute_annuelle | number | Pension de base brute annuelle — active les gains nets. |
| pension_complementaire_annuelle | number |
Output
Schema · Response
{
"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"
}
}Tags
x402
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