# Qotien PER Plafond Calculator

> Qotien PER Plafond Calculator is a paid API for AI agents from app.qotien.fr, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-15).

Calculates the French PER (Plan d'Épargne Retraite) tax-deduction ceiling for a given taxpayer profile (employee or TNS/self-employed) based on professional income

## Facts

- Endpoint: POST https://app.qotien.fr/api/fiscal/v1/calc/per_plafond
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/qotien-per-plafond-calculator-9bfab3b0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_2jDT4vgktC8wXIqZOOsHk

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-per-plafond-calculator-9bfab3b0 -d '<json body>'
```

Example prompt: What is my PER deduction ceiling this year? I'm a salaried employee with a net taxable income of 75,000 EUR — use the Qotien fiscal calculator to get the exact figure sourced from CGI.

## When to prefer this

Use this endpoint when you need a legally-sourced, regulation-backed French PER tax-deduction ceiling calculation for either salaried employees (CGI art. 163 quatervicies) or TNS/BNC self-employed professionals (CGI art. 154 bis). Prefer this over generic tax calculators when traceability to official French legal texts (Légifrance, BOFiP) is required, or when building CGP (wealth management) tools that need auditable fiscal simulations.

## Known failure modes

- Negative or non-numeric revenu_professionnel returns validation error
- Missing required fields return 400-level error with error field in place of result
- Confidence may be 'estime' or 'partiel' for edge-case income profiles
- Result may be 0 EUR if income is below applicable threshold
- API returns ok:false with an error descriptor if calculation is not possible

## 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 the PER deduction ceiling in EUR (value + unit + label), the fiscal vintage (millesime_fiscal), the confidence level of the result, the list of primary legal sources (CGI articles from Légifrance/BOFiP), and the year of income considered. The result is clearly flagged as an informational calculation, not personalized financial advice.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "tns": {
   "type": "boolean",
   "default": false,
   "description": "Vrai = TNS/BNC (art. 154 bis, tranche majorée 15 % entre 1 et 8 PASS) ; faux = salarié (art. 163 quatervicies)."
  },
  "revenu_professionnel": {
   "type": "number",
   "minimum": 0,
   "description": "Revenu professionnel net (salaire net imposable, ou bénéfice pour un TNS/BNC) (€)."
  }
 }
}
```

## 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": "Plafond de déduction PER de l'année",
   "value": 0
  },
  "domaine":
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/qotien-per-plafond-calculator-9bfab3b0/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)