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Qotien Pension Totale — Multi-Regime French Retirement Calculator
x402
Qotien Pension Totale — Multi-Regime French Retirement Calculator 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 consolidated total pension (gross and net) across up to 32 French retirement regimes from point-based statements
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=true, a result containing the consolidated total pension value in EUR (gross or net), a confidence level (fiable/estime/partiel/variable), a label, per-regime breakdown detail, legal sources (Légifrance/BOFiP references), the fiscal vintage (millésime_fiscal), and any applicable usage warnings about the non-advisory nature of the result.
Example use cases
Liberal professional multi-regime pension estimate
“My client is a doctor with CARMF base points (8500 pts), CARMF RCV complementary (3200 pts), and an IRCANTEC leg of 12000 EUR/year already calculated. RFR is 110000 EUR, 2 fiscal parts, departing at 65, legal age 62, 172 trimestres required and 170 acquired. What's their total consolidated gross and net pension?”
Wealth manager retirement planning report
“For a financial planning report, calculate the total pension for a client with AGIRC-ARRCO (42000 points), IRCANTEC (18000 points), 1 fiscal part, RFR 72000 EUR, leaving at age 63 with legal age 62, 168 trimestres required and 169 acquired — I need both gross and net amounts with confidence level.”
Self-employed CGP client retraite simulation
“My client is a notary with CARPV base (5500 pts) and CARPV comp (2100 pts), plus a CNAV base pension of 9600 EUR/year that I'll provide externally. Their RFR is 95000 EUR, 1.5 parts, departure at 67, legal age 62, all trimestres met. Simulate their total pension net of social charges.”
Technical details
Endpoint
POSThttps://app.qotien.fr/api/fiscal/v1/calc/pension_totaleWhen to prefer
Choose this endpoint when you need to consolidate French pension income across multiple point-based retirement regimes (AGIRC-ARRCO, CIPAV, CARMF, CARPIMKO, IRCANTEC, RAFP, etc.) into a single gross and net total — especially for CGP wealth management workflows, retraite bilan patrimonial, or when you need legally-sourced (Légifrance/BOFiP) pension figures. Prefer this over generic calculators when dealing with liberal professionals (médecins, notaires, avocats) who belong to multiple complementary regimes simultaneously.
Side effects
- Invalid or unsupported code_regime value returns validation error
- Missing required fields (code_regime or points) causes 400-level error
- Negative or implausible age_depart/age_legal combinations may trigger non_calculable confidence
- If RFR is omitted, gross pension is used as proxy — net calculation may be inaccurate
- Providing trimestres_requis=0 violates minimum constraint and causes schema rejection
- Network or service errors return ok=false with an error field instead of result
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| rfr | number | RFR 2024 du foyer — active le calcul du net (prélèvements sociaux). Sinon le total brut sert de proxy. |
| parts | number | Parts fiscales du foyer. |
| regimes | array | Régimes en points du relevé. Chaque item : { code_regime, points, [age_depart, age_legal, trimestres_manquants, trimestres_acquis, trimestres_requis] }. |
| inclure_net | boolean | Calculer la pension nette après prélèvements sociaux (défaut true). |
| pensions_fournies | array | Jambes NON calculées par nous (ex. CNAV base, fonction publique) : { label, montant_annuel, [etage:"base"|"complementaire"] }. Additionnées telles quelles, flaggées « fourni » (confiance non assertée par le hub). |
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 totale consolidée (multi-régimes, le détail du RIS)",
"value": 0
},
"domaine": "retraite",
"sources": [
"retraite_registre.js (routage 47 régimes)",
"retraite_engine.js (formules golden-testées)",
"CSS art. L136-8/L131-2 (prélèvements sociaux + 1 % maladie complémentaire)"
],
"confiance": "fiable",
"capability": "pension_totale",
"referentiel": "references_officielles.json v0.8.6",
"annee_revenus": 2025,
"millesime_fiscal": "2026"
}
}Tags
x402
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