# Qotien Fiscal Optimisation Calculator (IFI, PER, IR, Retraite) > 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. ## Facts - Endpoint: POST https://app.qotien.fr/api/fiscal/v1/calc/optimisation - Price: $1/call - Payment: x402 - Status: unknown - Last checked: 2026-09-15 - Activations on Zero: 0 - Tags: x402 - Canonical page: https://www.zero.xyz/c/qotien-fiscal-optimisation-calculator-ifi-per-ir-retraite-c9cbc17c - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_rvaGkfbb_IVT3wnq4oPVx Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently. ## How to call it through Zero Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`): ```sh zero fetch --capability qotien-fiscal-optimisation-calculator-ifi-per-ir-retraite-c9cbc17c -d '' ``` Example prompt: 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? ## When to prefer this 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. ## Known failure modes - 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 ## 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. ## Request schema (JSON Schema) ```json { "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": "num … (truncated) ``` ## Response schema (JSON Schema) ```json { "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 … (truncated) ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/qotien-fiscal-optimisation-calculator-ifi-per-ir-retraite-c9cbc17c/health.json - [Zero catalog index](https://www.zero.xyz/llms.txt) - [Other services from app.qotien.fr](https://www.zero.xyz/host/app.qotien.fr/llms.txt)