# Qotien Pension Totale — Multi-Regime French Retirement Calculator > 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 ## Facts - Endpoint: POST https://app.qotien.fr/api/fiscal/v1/calc/pension_totale - Price: $0.25/call - Payment: x402 - Status: unknown - Last checked: 2026-09-15 - Activations on Zero: 0 - Tags: x402 - Canonical page: https://www.zero.xyz/c/qotien-pension-totale-multi-regime-french-retirement-calculator-ea9ba7b1 - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_zffxmCfjm-AiYKHQljADP 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-pension-totale-multi-regime-french-retirement-calculator-ea9ba7b1 -d '' ``` Example prompt: I have 3 régimes: AGIRC-ARRCO with 25000 points, CIPAV base with 4800 points, and CARMF base with 6200 points. My foyer has 1.5 fiscal parts, RFR of 85000 EUR, legal retirement age 62, departing at 64 with 168 trimestres acquired out of 172 required. Can you calculate my total consolidated pension gross and net using Qotien? ## When to prefer this 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. ## Known failure modes - 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 ## 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. ## Request schema (JSON Schema) ```json { "type": "object", "properties": { "rfr": { "type": "number", "minimum": 0, "description": "RFR 2024 du foyer — active le calcul du net (prélèvements sociaux). Sinon le total brut sert de proxy." }, "parts": { "type": "number", "default": 1, "minimum": 1, "description": "Parts fiscales du foyer." }, "regimes": { "type": "array", "items": { "type": "object", "required": [ "code_regime", "points" ], "properties": { "points": { "type": "number", "minimum": 0 }, "age_legal": { "type": "number", "minimum": 60 }, "age_depart": { "type": "number", "minimum": 50 }, "code_regime": { "enum": [ "agirc_arrco", "ircantec", "rci", "rafp", "cipav_base", "carmf_base", "carpimko_base", "carcdsf_base", "cavec_base", "cavom_base", "cavamac_base", "carpv_base", "cprn_base", "cavp_base", "cipav_comp", "carmf_rcv", "carmf_asv", "carpimko_comp", "carpimko_asv", "carcdsf_comp", "cnbf_comp", "cavec_comp", "cavom_comp", "cavamac_comp", "carpv_comp", "cprn_b", "cprn_c", "ircec_raap" ], "type": "string" }, "trimestres_acquis": { "type": "number", "minimum": 0 }, "trimestres_requis": { "type": "number", "minimum": 1 }, "trimestres_manquants": { "type": "number", "minimum": 0 } }, "additionalProperties": false }, "description": "Régimes en points du relevé. Chaque item : { code_regime, points, [age_depart, age_legal, trimestres_manquants, trimestres_acquis, trimestres_requis] }." }, "inclure_net": { "type": "boolean", "default": true, "description": "Calculer la pension nette après prélèvements sociaux (défaut true)." }, "pensions_fournies": { "type": "array", "items": { "type": "object", "required": [ "montant_annuel" ], "properties": { "etage": { "enum": [ "base", "complementaire" ], "type": "string" }, "label": { "type": "string" }, "montant_annuel": { "type": "number", "minimum": 0 } }, "additionalProperties": false }, "description": "Jambes NON calculées par nous (ex. CNAV base, fonction publique) : { label, montant_a … (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": "Pension totale consolidée (multi-régimes, le détail du RIS)", "val … (truncated) ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/qotien-pension-totale-multi-regime-french-retirement-calculator-ea9ba7b1/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)