{"id":1430,"date":"2021-06-19T18:45:17","date_gmt":"2021-06-19T18:45:17","guid":{"rendered":"https:\/\/rouzade.com\/?p=1430"},"modified":"2021-06-23T17:48:10","modified_gmt":"2021-06-23T17:48:10","slug":"snizhaem-nalog-na-dohod-predprinimateljam-za-schet-dobrovolnogo-strahovanija","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/snizhaem-nalog-na-dohod-predprinimateljam-za-schet-dobrovolnogo-strahovanija\/","title":{"rendered":"Nous r\u00e9duisons les imp\u00f4ts sur le revenu des entrepreneurs gr\u00e2ce \u00e0 l&#039;assurance volontaire"},"content":{"rendered":"<p>Les Travailleurs non salarier (ci-apr\u00e8s - TNS) sont les entrepreneurs, artisans, commer\u00e7ants, professions lib\u00e9rales (ci-apr\u00e8s - Profession Lib\u00e9rale), chefs d&#039;entreprises (ci-apr\u00e8s - Gerants soci\u00e9t\u00e9) art 62 du Code des Imp\u00f4ts (ci-apr\u00e8s CGI).<\/p>\n<p>Voici une vid\u00e9o int\u00e9ressante sur ce que vous devez savoir avant <a href=\"https:\/\/www.lefigaro.fr\/economie\/statut-protection-sante-tout-ce-qu-il-faut-savoir-avant-de-creer-son-activite-en-profession-liberale-20210601\">devenir Profession Lib\u00e9rale<\/a> en France.<\/p>\n<p>Qu&#039;est-ce qu&#039;ils ont en commun?<\/p>\n<p>Ce qu\u2019ils ont tous en commun, c\u2019est qu\u2019ils constituent le groupe le plus vuln\u00e9rable de France. Cela s&#039;applique aux retraites et aux garanties sociales. Mais cela peut \u00eatre corrig\u00e9. Si vous \u00eates TNS, vous pouvez signer <a href=\"https:\/\/www.youtube.com\/watch?v=sD5-Ow_K-4w\">Contrat de pr\u00e9voyance<\/a> et prot\u00e9gez-vous ainsi que vos proches en cas de d\u00e9c\u00e8s, d&#039;invalidit\u00e9, d&#039;invalidit\u00e9 ou de maladie. L\u2019assurance maladie volontaire fait \u00e9galement partie de ce type de contrat.<\/p>\n<p>Dans des billets pr\u00e9c\u00e9dents, nous disions que les entrepreneurs pouvaient r\u00e9duire l&#039;assiette fiscale en cotisant \u00e0 une retraite compl\u00e9mentaire, en utilisant soit la disposition fiscale Madelin, soit la disposition Fillon.<\/p>\n<p>Nous aborderons aujourd&#039;hui la protection contre la perte de revenus - Pr\u00e9voyance et mutuelle, et comment l&#039;utiliser pour r\u00e9duire l&#039;imp\u00f4t sur le revenu.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contenu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/fr\/snizhaem-nalog-na-dohod-predprinimateljam-za-schet-dobrovolnogo-strahovanija\/#%d0%9a%d0%b0%d0%ba_%d1%81%d0%bd%d0%b8%d0%b7%d0%b8%d1%82%d1%8c_%d0%bd%d0%b0%d0%bb%d0%be%d0%b3_%d0%bd%d0%b0_%d0%b4%d0%be%d1%85%d0%be%d0%b4_%d0%b2%d0%be_%d0%a4%d1%80%d0%b0%d0%bd%d1%86%d0%b8%d0%b8_%d0%b7%d0%b0_%d1%81%d1%87%d0%b5%d1%82_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d1%8b%d1%85_%d0%b2%d0%b7%d0%bd%d0%be%d1%81%d0%be%d0%b2\" >Comment r\u00e9duire l&#039;imp\u00f4t sur le revenu en France gr\u00e2ce aux primes d&#039;assurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/snizhaem-nalog-na-dohod-predprinimateljam-za-schet-dobrovolnogo-strahovanija\/#%d0%a0%d0%b0%d0%b7%d0%bc%d0%b5%d1%80_%d0%b2%d1%8b%d1%87%d0%b8%d1%82%d0%b0%d0%b5%d0%bc%d1%8b%d1%85_%d0%b2%d0%b7%d0%bd%d0%be%d1%81%d0%be%d0%b2\" >Montant des cotisations d\u00e9ductibles<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/snizhaem-nalog-na-dohod-predprinimateljam-za-schet-dobrovolnogo-strahovanija\/#%d0%94%d0%b0%d0%b2%d0%b0%d0%b9%d1%82%d0%b5_%d1%80%d0%b0%d1%81%d1%81%d0%bc%d0%be%d1%82%d1%80%d0%b8%d0%bc_%d0%bd%d0%b0_%d0%bf%d1%80%d0%b8%d0%bc%d0%b5%d1%80%d0%b5\" >Regardons un exemple<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/snizhaem-nalog-na-dohod-predprinimateljam-za-schet-dobrovolnogo-strahovanija\/#%d0%9d%d0%b0%d0%bb%d0%be%d0%b3%d0%be%d0%be%d0%b1%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5_%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%b8%d1%8f\" >Imposition des prestations<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d1%81%d0%bd%d0%b8%d0%b7%d0%b8%d1%82%d1%8c_%d0%bd%d0%b0%d0%bb%d0%be%d0%b3_%d0%bd%d0%b0_%d0%b4%d0%be%d1%85%d0%be%d0%b4_%d0%b2%d0%be_%d0%a4%d1%80%d0%b0%d0%bd%d1%86%d0%b8%d0%b8_%d0%b7%d0%b0_%d1%81%d1%87%d0%b5%d1%82_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d1%8b%d1%85_%d0%b2%d0%b7%d0%bd%d0%be%d1%81%d0%be%d0%b2\"><\/span>Comment r\u00e9duire l&#039;imp\u00f4t sur le revenu en France gr\u00e2ce aux primes d&#039;assurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ainsi, les cotisations \u00e0 Pr\u00e9voyance et \u00e0 l&#039;assurance maladie loi Madelin sont d\u00e9duites des revenus professionnels, soit :<\/p>\n<ul>\n<li>D\u00e9claration 2035 pour Profession Lib\u00e9rale avec r\u00e9gime fiscal BNC ;<\/li>\n<li><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1431\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/16-e1624127315674.png\" alt=\"D\u00e9claration 2035 \u0434\u043b\u044f Profession Liberal\" width=\"603\" height=\"324\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/16-e1624127315674.png 796w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/16-e1624127315674-300x161.png 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/16-e1624127315674-768x412.png 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/16-e1624127315674-696x373.png 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/16-e1624127315674-783x420.png 783w\" sizes=\"auto, (max-width: 603px) 100vw, 603px\" \/>D\u00e9claration 2053 pour les artisans et commer\u00e7ants au r\u00e9gime fiscal BIC ;<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1432\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/17.png\" alt=\"D\u00e9claration 2053 \u0434\u043b\u044f \u0438 \u0440\u0435\u043c\u0435\u0441\u043b\u0435\u043d\u043d\u0438\u043a\u043e\u0432\" width=\"801\" height=\"442\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/17.png 801w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/17-300x166.png 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/17-768x424.png 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/17-696x385.png 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/17-761x420.png 761w\" sizes=\"auto, (max-width: 801px) 100vw, 801px\" \/><\/p>\n<ul>\n<li>Les G\u00e9rants soci\u00e9t\u00e9 art 62 CGI pr\u00e9l\u00e8vent les cotisations sur les revenus professionnels.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1433\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/18.png\" alt=\"G\u00e9rants societ\u00e9 art 62 CGI\" width=\"817\" height=\"252\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/18.png 817w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/18-300x93.png 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/18-768x237.png 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/06\/18-696x215.png 696w\" sizes=\"auto, (max-width: 817px) 100vw, 817px\" \/><\/p>\n<blockquote><p>Attention! Les entrepreneurs b\u00e9n\u00e9ficiant du statut de micro-entrepreneur ne peuvent pas utiliser le dispositif Madelin.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a0%d0%b0%d0%b7%d0%bc%d0%b5%d1%80_%d0%b2%d1%8b%d1%87%d0%b8%d1%82%d0%b0%d0%b5%d0%bc%d1%8b%d1%85_%d0%b2%d0%b7%d0%bd%d0%be%d1%81%d0%be%d0%b2\"><\/span>Montant des cotisations d\u00e9ductibles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le montant des cotisations d\u00e9ductibles de l&#039;imp\u00f4t sur le revenu est limit\u00e9 par l&#039;enveloppe fiscale. Cela signifie que jusqu&#039;\u00e0 ce montant vous pouvez d\u00e9duire les primes d&#039;assurance de votre BIC\/BNC ou de vos revenus professionnels, selon votre r\u00e9gime fiscal. Il est calcul\u00e9 par la formule :<\/p>\n<p><strong>Disponible Madelin SANT\u00c9-PR\u00c9VOYANCE<\/strong><\/p>\n<p>(7 % x PASS) + (3,75 % x BIC\/BNC)<\/p>\n<p>Plafond : 3 % x 8 PASS<\/p>\n<p>BIC \u2013 revenus d\u2019entreprise<\/p>\n<p>BNC - revenus des activit\u00e9s non commerciales<\/p>\n<p>PASS \u2013 plafond annuel de la S\u00e9curit\u00e9 sociale, 41 136 \u20ac en 2021.<\/p>\n<p>Le plafond des cotisations d\u00e9ductibles en 2021 sera de 9 872 \u20ac.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%94%d0%b0%d0%b2%d0%b0%d0%b9%d1%82%d0%b5_%d1%80%d0%b0%d1%81%d1%81%d0%bc%d0%be%d1%82%d1%80%d0%b8%d0%bc_%d0%bd%d0%b0_%d0%bf%d1%80%d0%b8%d0%bc%d0%b5%d1%80%d0%b5\"><\/span>Regardons un exemple<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Misha Ivanov est architecte, il a son propre bureau d&#039;architecture, revenu BNC de Mikha\u00efl : 45 K\u20ac. TMI-30%<\/p>\n<p>Nous calculons le montant des cotisations d\u00e9ductibles des revenus<\/p>\n<p>(7 % x PASS) + (3,75 % x BIC\/BNC)<\/p>\n<p>7% x 41 136\u20ac + 3,75 % x 45 000 = 2879,5 + 1687,5 = 4 567\u20ac<\/p>\n<p>Mikhail peut d\u00e9duire les frais m\u00e9dicaux. Contrat d&#039;assurance et de Pr\u00e9voyance d&#039;un montant de 4 567 \u20ac en 2021 (le PASS change chaque ann\u00e9e et le plafond de cotisation doit \u00eatre recalcul\u00e9 en cons\u00e9quence). Et gr\u00e2ce \u00e0 ses cotisations, Mikha\u00efl r\u00e9duira son imp\u00f4t sur le revenu de 1370 \u20ac (enveloppe fiscale x TMI = 4,567 x 30%).<\/p>\n<p>Si Mikhail utilise mes recommandations, il se prot\u00e9gera non seulement, ainsi que ses proches, des probl\u00e8mes financiers en cas de maladie, de d\u00e9c\u00e8s et d&#039;invalidit\u00e9, mais se procurera \u00e9galement une pension suppl\u00e9mentaire. Et si on additionne 3 contrats - <a href=\"https:\/\/rouzade.com\/fr\/kak-snizit-nalog-na-dohod-i-uvelichit-budushhuju-pensiju-vo-francii\/#\u041a\u0430\u043a_\u0441\u043d\u0438\u0437\u0438\u0442\u044c_\u043d\u0430\u043b\u043e\u0433_\u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044f\u043c_tns_\u0438_\u043c\u0430\u0436\u043e\u0440\u0438\u0442\u0430\u0440\u043d\u044b\u043c_\u0443\u043f\u0440\u0430\u0432\u043b\u044f\u044e\u0449\u0438\u043c_\u0437\u0430_\u0441\u0447\u0451\u0442_\u0432\u0437\u043d\u043e\u0441\u043e\u0432_\u043d\u0430_\u043f\u0435\u043d\u0441\u0438\u044e\">Pension<\/a>, m\u00e9dicale et Pr\u00e9voyance, alors l&#039;\u00e9conomie d&#039;imp\u00f4t sera de 1370 \u20ac + 1523 \u20ac = 2893 \u20ac (6% de revenu total).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9d%d0%b0%d0%bb%d0%be%d0%b3%d0%be%d0%be%d0%b1%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5_%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%b8%d1%8f\"><\/span>Imposition des prestations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nous avons examin\u00e9 \u00e0 quel point il est rentable de cotiser, voyons maintenant comment les prestations seront impos\u00e9es en cas d&#039;\u00e9v\u00e9nement assur\u00e9.<\/p>\n<p>Le paiement des frais m\u00e9dicaux dans le cadre de l\u2019assurance maladie et des prestations de maternit\u00e9 est totalement exon\u00e9r\u00e9 d\u2019imp\u00f4t. Excellente nouvelle, n&#039;est-ce pas ?<\/p>\n<p>Quant au paiement des prestations d\u2019invalidit\u00e9, tout ne semble plus aussi clair :<\/p>\n<ol>\n<li>Les allocations d&#039;invalidit\u00e9 temporaire, puis les IJ (Indemnit\u00e9s Journali\u00e8res) et la rente d&#039;invalidit\u00e9 de cat\u00e9gorie 1 (avec maintien de l&#039;activit\u00e9 professionnelle) sont incluses dans les revenus professionnels BIC\/BNC et impos\u00e9es au taux <a href=\"https:\/\/handicap.gouv.fr\/les-aides-et-les-prestations\/prestations\/article\/pension-d-invalidite\">bar\u00e8me d&#039;imposition standard IR<\/a>.<\/li>\n<li>Les rentes d&#039;invalidit\u00e9 des cat\u00e9gories 2 et 3 (sans maintien d&#039;activit\u00e9 professionnelle), les rentes de conjoint, les rentes d&#039;\u00e9ducation des enfants sont impos\u00e9es selon le bar\u00e8me des rentes et rentes RVTG (rente viag\u00e8re \u00e0 titre gratuit) art. 158-5 CGI.<\/li>\n<\/ol>\n<p>En outre, ces prestations devront payer des cotisations de s\u00e9curit\u00e9 sociale (ci-apr\u00e8s d\u00e9nomm\u00e9es PS).<\/p>\n<p>A ce moment l\u00e0, si vous ne s\u00e9lectionnez pas l&#039;option Madelin, alors IJ et rente d&#039;invalidit\u00e9 vers\u00e9es au titre de l&#039;assurance compl\u00e9mentaire facultative Pr\u00e9voyance<a href=\"http:\/\/impotsurlerevenu.org\/declarer-ses-revenus\/921-faut-il-declarer-les-indemnites-journalieres-.php\"> sont \u00e9galement exon\u00e9r\u00e9s de l&#039;imp\u00f4t sur le revenu<\/a> et de PS.<\/p>\n<p>Ainsi, avant d&#039;appliquer le dispositif Madelin \u00e0 l&#039;assurance volontaire Pr\u00e9voyance, il faut d&#039;abord y r\u00e9fl\u00e9chir. Oui, vous \u00e9conomiserez de l\u2019imp\u00f4t en payant les primes, mais vous paierez de l\u2019imp\u00f4t sur les prestations en cas d\u2019\u00e9v\u00e9nement assur\u00e9.<\/p>\n<p>Si vous souhaitez am\u00e9liorer votre protection financi\u00e8re tout en optimisant vos imp\u00f4ts, inscrivez-vous pour une consultation avec moi, je calculerai votre enveloppe fiscale et s\u00e9lectionnerai une solution qui conviendra \u00e0 vos besoins et capacit\u00e9s.<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-zapisatsya-na-konsultaciyu\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/calendly.com\/olga-rouzade\/15-minut-k-business-mechte?utm_source=site&amp;utm_medium=MaxButtons&amp;utm_campaign=rdv-calendly\"><span class='mb-text'>Inscrivez-vous pour une consultation<\/span><\/a><\/p>\n<p>En bonne sant\u00e9? Enregistrez-le et partagez-le avec vos amis.<\/p>","protected":false},"excerpt":{"rendered":"<p>Avantages et inconv\u00e9nients de recourir \u00e0 la disposition fiscale de la loi Madelin pour r\u00e9duire l&#039;imp\u00f4t sur le revenu des entrepreneurs.<\/p>","protected":false},"author":1,"featured_media":1441,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[314],"class_list":{"0":"post-1430","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-nalogovye-lgoty-ru"},"acf":[],"yoast_head":"<title>\u041a\u0430\u043a \u0441\u043d\u0438\u0437\u0438\u0442\u044c \u043d\u0430\u043b\u043e\u0433 \u043d\u0430 \u0434\u043e\u0445\u043e\u0434 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044e \u0432\u043e \u0424\u0440\u0430\u043d\u0446\u0438\u0438 (loi 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