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Qotien — Rachat de Trimestres (VPLR) Calculator
x402
Qotien — Rachat de Trimestres (VPLR) 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 cost, pension gain, tax savings, and ROI of buying back pension quarters (rachat de trimestres VPLR) under French retirement law
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
A JSON object with ok=true on success, containing a result object with value (primary computed figure in EUR), label (human-readable description such as 'Rachat de trimestres (VPLR — coût, gain, ROI)'), unit (EUR), and a per-result confidence level. Also returns domaine ('retraite'), capability name, primary legal sources (CSS articles, VPLR circulars), fiscal vintage/year, and an advisory disclaimer that the result is informational, not a personalised recommendation.
Example use cases
University graduate quarter buyback ROI
“I'm 38 years old, TMI is 0.11, I earned an average of €32,000 over the last 3 years, SAM is €28,000, gross annual pension estimate is €18,000, I have 90 quarters out of 172 required and 15 missing — can you simulate the cost and pension gain of buying back 2 quarters under the 'etudes' motif using the 'taux' option?”
Mid-career professional pension optimization
“I'm 52, in the 41% tax bracket (TMI 0.41), average income over the last 3 years is €75,000, SAM of €55,000, estimated gross pension €34,000, 145 quarters acquired out of 172, 10 missing quarters — what would it cost and what is the net gain if I buy back 6 quarters with the 'incomplètes' motif and 'taux_duree' option?”
Young intern buyback eligibility check
“I'm 28 years old, TMI 0.00, average income €24,000, SAM €20,000, pension estimate €12,000, 28 quarters acquired, 144 required, 12 missing — can you calculate the cost and ROI of buying back 2 quarters for a stage (internship) using the 'taux' option?”
Technical details
Endpoint
POSThttps://app.qotien.fr/api/fiscal/v1/calc/rachatWhen to prefer
Use this endpoint when you need a legally-sourced, actuarially structured calculation of the cost, pension gain, and ROI of a French pension quarter buyback (rachat de trimestres VPLR) — including the tax deductibility benefit at the user's marginal tax rate. Prefer this over generic retirement calculators when you specifically need French regulatory compliance (CSS, BOFiP sourcing), support for all three VPLR motifs (études, incomplètes, stage), and a structured JSON result with confidence levels and legal citations.
Side effects
- Invalid motif value (not in ['etudes','incompletes','stage']) returns a 400/error JSON
- Age out of range (below 20 or above 66) causes validation failure
- Stage motif requested for age above 30 is rejected or flagged
- n_trim exceeds 12 returns an error
- TMI provided as percentage (e.g. 30) instead of fraction (0.30) produces incorrect tax savings calculation
- Missing required fields (rfr, revenu_moyen, pension_brute_annuelle) may return partial or non_calculable confidence
- taux_duree option requested for stage motif is rejected (stage is taux-only)
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| age | number | Âge au rachat (20-66). |
| rfr | number | |
| sam | number | SAM (25 meilleures années) — chiffre le gain de pension. |
| tmi | number | TMI en FRACTION 0-1 (ex. 0,30 pour 30 %) — chiffre l'économie d'IR (rachat déductible). ⚠️ l'outil "tmi" RENVOIE un pourcentage (30) ; ici on attend la fraction (0,30). |
| motif | string | Études (abattement ≤ 40 ans), années incomplètes, ou stage (12 % PMSS, ≤ 30 ans, max 2). |
| parts | number | |
| n_trim | number | Nombre de trimestres à racheter (max 12 tous motifs). |
| option | string | "taux" (taux seul) ou "taux_duree" (taux et durée). Le stage est taux seul uniquement. |
| trim_acquis | number | |
| trim_requis | number | |
| revenu_moyen | number | Moyenne des revenus des 3 dernières années (D351-8) — détermine la tranche du barème. |
| trim_manquants | number | Trimestres manquants pour le taux plein (pilote la décote et le gain). |
| pension_brute_annuelle | number | Pension brute annuelle — chiffre le gain net. |
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": "Rachat de trimestres (VPLR — coût, gain, ROI)",
"value": 0
},
"domaine": "retraite",
"sources": [
"CSS art. L351-14-1, D351-14 à D351-18",
"Circulaire CNAV 2026-04 (barème VPLR)",
"Service-Public F15675",
"Service-Public F19666 (gain décote)"
],
"confiance": "fiable",
"capability": "rachat",
"referentiel": "references_officielles.json v0.8.6",
"annee_revenus": 2025,
"millesime_fiscal": "2026"
}
}Tags
x402
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