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Qotien Pension Annuities Calculator (French Special Regimes)
x402
Qotien Pension Annuities Calculator (French Special Regimes) is a paid API for AI agents from app.qotien.fr, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-15).
Calculates annual pension amounts for French annuity-based retirement regimes (fonction publique, SNCF, RATP, IEG, etc.) given age, service duration, and reference salary.
Price / call$0.25
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 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.
Example use cases
Civil servant early retirement penalty check
“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?”
SNCF employee pension projection
“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?”
IEG regime pension simulation for financial advisor
“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?”
Technical details
Endpoint
POSThttps://app.qotien.fr/api/fiscal/v1/calc/pension_annuitesWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| age_legal | number | Âge légal du régime (ancre du temps). Défaut 64. |
| age_depart | number | 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 | string | Code du régime en annuités (voir retraite_regimes). Ex. fonction_publique, sncf, ratp, banque_de_france, ieg. |
| salaire_reference | number | Assiette annuelle brute : dernier traitement indiciaire (fonction publique) ou salaire/traitement de référence des derniers mois (régimes spéciaux, IEG), HORS primes. |
| trimestres_requis | number | Durée d'assurance requise pour le taux plein (défaut 172). |
| trimestres_liquidables | number | Trimestres liquidés au régime (numérateur du prorata durée liquidée ÷ requise). |
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": "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"
}
}Tags
x402
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