# Qotien PER Tax Gain Calculator

> Qotien PER Tax Gain 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 the income tax saving (gain fiscal) from a deductible PER (Plan d'Épargne Retraite) contribution for a French household

## Facts

- Endpoint: POST https://app.qotien.fr/api/fiscal/v1/calc/per_gain
- 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-per-tax-gain-calculator-18044272
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5U8qa3P81en45N16WdmtB

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-tax-gain-calculator-18044272 -d '<json body>'
```

Example prompt: I'm a single filer with a revenu fiscal de référence of €60,000 and I'm thinking of putting €8,000 into my PER this year — can you calculate how much income tax I'd save, assuming 1 family quotient share and no dependants?

## When to prefer this

Choose this endpoint when you need a legally-sourced, auditable computation of the French income-tax benefit from a PER contribution, especially in a CGP (financial advisor) workflow or automated fiscal planning context. It is preferable to generic tax calculators because it cites Légifrance and BOFiP, handles the French family quotient (parts) correctly, and integrates CDHR rules for dependants and flat-tax financial income.

## Known failure modes

- Missing required fields (revenu_fiscal_reference or versement) → ok:false with error description
- Negative or out-of-range values for income or contribution → validation error
- Invalid situation familiale enum value → schema validation failure
- RFR below deduction floor resulting in zero gain → ok:true with value:0
- Service unavailable or payment failure → HTTP 402/500 error

## 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

A JSON object containing: a boolean success flag, the computed tax gain in EUR (value field), a human-readable label, the confidence level of the result (fiable/estime/partiel etc.), the list of legal sources used (CGI articles, BOFiP references), the fiscal year applied, a disclaimer warning, and the capability and domain identifiers.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "parts": {
   "type": "number",
   "default": 1,
   "minimum": 1,
   "description": "Parts de quotient familial."
  },
  "situation": {
   "enum": [
    "Célibataire",
    "Marié(e)",
    "Pacsé(e)",
    "Divorcé(e)",
    "Veuf(ve)"
   ],
   "type": "string",
   "default": "Célibataire",
   "description": "Situation familiale."
  },
  "versement": {
   "type": "number",
   "minimum": 0,
   "description": "Versement PER déductible envisagé (€)."
  },
  "nb_personnes_charge": {
   "type": "number",
   "default": 0,
   "minimum": 0,
   "description": "Personnes à charge (majoration CDHR)."
  },
  "revenus_financiers_pfu": {
   "type": "number",
   "default": 0,
   "minimum": 0,
   "description": "Revenus financiers au PFU inclus dans le RFR (€) — pour le calcul CDHR."
  },
  "revenu_fiscal_reference": {
   "type": "number",
   "minimum": 0,
   "description": "RFR du foyer AVANT versement (€)."
  }
 }
}
```

## 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": "Gain d'impôt d'un versement PER",
   "value": 0
  },
  "domaine": "fi
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/qotien-per-tax-gain-calculator-18044272/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)