{"id":1935,"date":"2021-11-15T08:04:22","date_gmt":"2021-11-15T08:04:22","guid":{"rendered":"https:\/\/rouzade.com\/?p=1935"},"modified":"2024-05-06T11:37:48","modified_gmt":"2024-05-06T09:37:48","slug":"pensija-2021-dlja-samozanjatyh-vo-francii","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/pensija-2021-dlja-samozanjatyh-vo-francii\/","title":{"rendered":"Pension 2021 pour les ind\u00e9pendants en France"},"content":{"rendered":"<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\/pensija-2021-dlja-samozanjatyh-vo-francii\/#%d0%9f%d0%bb%d0%b0%d1%82%d1%8f%d1%82_%d0%bb%d0%b8_auto-entrepreneur_%d0%bf%d0%b5%d0%bd%d1%81%d0%b8%d0%be%d0%bd%d0%bd%d1%8b%d0%b5_%d0%b2%d0%b7%d0%bd%d0%be%d1%81%d1%8b\" >Les auto-entrepreneurs paient-ils des cotisations de retraite ?<\/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\/pensija-2021-dlja-samozanjatyh-vo-francii\/#%d0%9f%d0%b5%d0%bd%d1%81%d0%b8%d0%be%d0%bd%d0%bd%d1%8b%d0%b5_%d1%84%d0%be%d0%bd%d0%b4%d1%8b_%d0%b4%d0%bb%d1%8f_%d0%b0%d0%b2%d1%82%d0%be%d0%bf%d1%80%d0%b5%d0%b4%d0%bf%d1%80%d0%b8%d0%bd%d0%b8%d0%bc%d0%b0%d1%82%d0%b5%d0%bb%d0%b5%d0%b9\" >Fonds de pension pour les entrepreneurs automobiles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/pensija-2021-dlja-samozanjatyh-vo-francii\/#%d0%9f%d0%b5%d0%bd%d1%81%d0%b8%d1%8f_%d0%b4%d0%bb%d1%8f_%d0%b0%d0%b2%d1%82%d0%be%d0%bf%d1%80%d0%b5%d0%b4%d0%bf%d1%80%d0%b8%d0%bd%d0%b8%d0%bc%d0%b0%d1%82%d0%b5%d0%bb%d0%b5%d0%b9_%d0%bf%d1%80%d0%b8%d0%ba%d1%80%d0%b5%d0%bf%d0%bb%d0%b5%d0%bd%d0%bd%d1%8b%d1%85_%d0%ba_cipav\" >Pension des entrepreneurs automobiles rattach\u00e9s au Cipav<\/a><\/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\/pensija-2021-dlja-samozanjatyh-vo-francii\/#%d0%a3%d1%81%d0%bb%d0%be%d0%b2%d0%b8%d1%8f_%d0%b4%d0%bb%d1%8f_%d0%bf%d0%be%d0%b4%d1%82%d0%b2%d0%b5%d1%80%d0%b6%d0%b4%d0%b5%d0%bd%d0%b8%d1%8f_%d0%ba%d0%b2%d0%b0%d1%80%d1%82%d0%b0%d0%bb%d0%b0_%d0%b2_%d1%86%d0%b5%d0%bb%d1%8f%d1%85_%d0%bf%d0%be%d0%b4%d1%82%d0%b2%d0%b5%d1%80%d0%b6%d0%b4%d0%b5%d0%bd%d0%b8%d1%8f_%d0%bf%d1%80%d0%b0%d0%b2_%d0%bd%d0%b0_%d0%b1%d0%b0%d0%b7%d0%be%d0%b2%d1%83%d1%8e_%d1%87%d0%b0%d1%81%d1%82%d1%8c_%d0%bf%d0%b5%d0%bd%d1%81%d0%b8%d0%b8\" >Conditions de confirmation du trimestre afin de confirmer les droits \u00e0 la partie de base de la pension<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/pensija-2021-dlja-samozanjatyh-vo-francii\/#%d0%a6%d0%b5%d0%bd%d0%bd%d0%be%d1%81%d1%82%d1%8c_%d0%b1%d0%b0%d0%bb%d0%bb%d0%b0_%d0%b4%d0%bb%d1%8f_%d1%81%d0%b0%d0%bc%d0%be%d0%b7%d0%b0%d0%bd%d1%8f%d1%82%d1%8b%d1%85_%d0%b2_2021_%d0%b3%d0%be%d0%b4%d1%83\" >La valeur d&#039;un point pour les ind\u00e9pendants en 2021<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/fr\/pensija-2021-dlja-samozanjatyh-vo-francii\/#%d0%a1%d1%82%d0%be%d0%b8%d0%bc%d0%be%d1%81%d1%82%d1%8c_%d0%b1%d0%b0%d0%b7%d0%be%d0%b2%d0%be%d0%b3%d0%be_%d0%b1%d0%b0%d0%bb%d0%bb%d0%b0_cipav_2021\" >Co\u00fbt des points de base Cipav 2021<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/fr\/pensija-2021-dlja-samozanjatyh-vo-francii\/#%d0%a1%d1%82%d0%be%d0%b8%d0%bc%d0%be%d1%81%d1%82%d1%8c_%d0%b4%d0%be%d0%bf%d0%be%d0%bb%d0%bd%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d0%be%d0%b3%d0%be_%d0%b1%d0%b0%d0%bb%d0%bb%d0%b0_cipav_2021\" >Co\u00fbt du point Cipav suppl\u00e9mentaire 2021<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rouzade.com\/fr\/pensija-2021-dlja-samozanjatyh-vo-francii\/#%d0%91%d0%b0%d0%bb%d0%bb%d1%8b_rci_2021\" >Points RCI 2021<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%bb%d0%b0%d1%82%d1%8f%d1%82_%d0%bb%d0%b8_auto-entrepreneur_%d0%bf%d0%b5%d0%bd%d1%81%d0%b8%d0%be%d0%bd%d0%bd%d1%8b%d0%b5_%d0%b2%d0%b7%d0%bd%d0%be%d1%81%d1%8b\"><\/span>Les auto-entrepreneurs paient-ils des cotisations de retraite ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En France, toute activit\u00e9 d\u00e9clar\u00e9e est soumise \u00e0 des charges sociales, dont les cotisations de retraite. Les microentrepreneurs (le nouveau nom des autoentrepreneurs depuis 2016) ne font pas exception.<\/p>\n<p>Nous vous rappelons que ce statut, instaur\u00e9 en 2009, n&#039;est accessible qu&#039;aux salari\u00e9s non salari\u00e9s (TNS) dont le chiffre d&#039;affaires annuel n&#039;exc\u00e8de pas 176 200 \u20ac (170 000 \u20ac avant le 1er janvier 2020) pour des activit\u00e9s de commerce, d&#039;h\u00e9bergement ou 72 500 \u20ac. (70 000 \u20ac jusqu&#039;au 1er janvier 2020) pour les prestations et consultations (professions lib\u00e9rales).<\/p>\n<p>L&#039;un des avantages d&#039;une micro-entreprise est que le micro-entrepreneur ne paie des cotisations sociales que s&#039;il r\u00e9alise un chiffre d&#039;affaires. En raison du manque de revenus provenant d\u2019un travail ind\u00e9pendant, il ne doit rien. Par cons\u00e9quent, un micro-entrepreneur qui ne r\u00e9alise pas de chiffre d\u2019affaires n\u2019est pas soumis notamment aux cotisations vieillesse et ne b\u00e9n\u00e9ficie donc pas de droits \u00e0 pension.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%b5%d0%bd%d1%81%d0%b8%d0%be%d0%bd%d0%bd%d1%8b%d0%b5_%d1%84%d0%be%d0%bd%d0%b4%d1%8b_%d0%b4%d0%bb%d1%8f_%d0%b0%d0%b2%d1%82%d0%be%d0%bf%d1%80%d0%b5%d0%b4%d0%bf%d1%80%d0%b8%d0%bd%d0%b8%d0%bc%d0%b0%d1%82%d0%b5%d0%bb%d0%b5%d0%b9\"><\/span>Fonds de pension pour les entrepreneurs automobiles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L\u2019inclusion des microentrepreneurs dans les r\u00e9gimes de retraite obligatoires est automatique : le travailleur ind\u00e9pendant n\u2019a aucune d\u00e9marche \u00e0 effectuer. C&#039;est l&#039;Urssaf qui g\u00e8re les cotisations des micro-entrepreneurs, en veillant notamment \u00e0 leur affiliation aux r\u00e9gimes de retraite concern\u00e9s. Toutefois, certains entrepreneurs ayant d\u00e9marr\u00e9 des activit\u00e9s lib\u00e9rales avant 2018 ont la possibilit\u00e9 de changer temporairement de r\u00e9gime (voir ci-dessous). Le r\u00e9gime de retraite d&#039;un auto-entrepreneur d\u00e9pend de la nature de son activit\u00e9.<\/p>\n<p>- Pour les artisans, commer\u00e7ants et professions lib\u00e9rales non affili\u00e9s \u00e0 la Caisse Interprofessionnelle et d&#039;Assurance Vieillesse (Cipav) :<\/p>\n<ul>\n<li>R\u00e9gime de retraite de base : <strong>Assurance retraite<\/strong>*<\/li>\n<li>R\u00e9gime de retraite compl\u00e9mentaire : R\u00e9gime compl\u00e9mentaire des ind\u00e9pendants (RCI)<\/li>\n<\/ul>\n<p>\u2014 Pour les microentrepreneurs rattach\u00e9s au Cipav<\/p>\n<ul>\n<li>R\u00e9gime de retraite de base : r\u00e9gime de base g\u00e9r\u00e9 par le Cipav pour le compte de la Caisse Nationale d&#039;Assurance Vieillesse des Professions Lib\u00e9rales (CNAVPL)<\/li>\n<li>R\u00e9gime de retraite compl\u00e9mentaire : R\u00e9gime de retraite compl\u00e9mentaire Cipav<\/li>\n<\/ul>\n<p>*Caisse nationale d&#039;assurance vieillesse (Cnav) pour les microentrepreneurs d&#039;Ile-de-France, Caisse de retraite et d&#039;assurance maladie professionnelle (Carsat) pour les microentrepreneurs r\u00e9sidant en r\u00e9gions, Caisse g\u00e9n\u00e9rale de s\u00e9curit\u00e9 sociale (CGSS) pour les microentrepreneurs r\u00e9sidant en Martinique, Guadeloupe, R\u00e9union \u00cele et Guyane.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%b5%d0%bd%d1%81%d0%b8%d1%8f_%d0%b4%d0%bb%d1%8f_%d0%b0%d0%b2%d1%82%d0%be%d0%bf%d1%80%d0%b5%d0%b4%d0%bf%d1%80%d0%b8%d0%bd%d0%b8%d0%bc%d0%b0%d1%82%d0%b5%d0%bb%d0%b5%d0%b9_%d0%bf%d1%80%d0%b8%d0%ba%d1%80%d0%b5%d0%bf%d0%bb%d0%b5%d0%bd%d0%bd%d1%8b%d1%85_%d0%ba_cipav\"><\/span>Pension des entrepreneurs automobiles rattach\u00e9s au Cipav<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Avant le 1er janvier 2018, les r\u00e8gles de retraite des auto-entrepreneurs \u00e9taient relativement simples : les micro-entrepreneurs, commer\u00e7ants et artisans cotisaient au R\u00e9gime Social des Ind\u00e9pendants (RSI) pour une pension de base et au R\u00e9gime Compl\u00e9mentaire des Ind\u00e9pendants ( RCI) pour une retraite compl\u00e9mentaire, tandis que tandis que les micro-entrepreneurs exer\u00e7ant des activit\u00e9s lib\u00e9rales et prestataires de services d\u00e9pendaient de la Caisse interprofessionnelle de retraite et d&#039;assurance vieillesse (Cipav), l&#039;une des 11 caisses lib\u00e9rales de retraite et de pr\u00e9voyance, pour les retraites de base et compl\u00e9mentaires.<\/p>\n<p>Le 1er janvier 2018, le RSI a \u00e9t\u00e9 remplac\u00e9 par la S\u00e9curit\u00e9 sociale pour ind\u00e9pendants (SSI), qui a \u00e9t\u00e9 progressivement absorb\u00e9e par le r\u00e9gime g\u00e9n\u00e9ral de la S\u00e9curit\u00e9 sociale. Depuis le 1er janvier 2020, les micro-entrepreneurs, commer\u00e7ants et artisans ont adh\u00e9r\u00e9 au r\u00e9gime d\u2019assurance pension, un r\u00e9gime de retraite de base destin\u00e9 aux travailleurs, artisans, commer\u00e7ants, dirigeants d\u2019entreprise et agents non agr\u00e9\u00e9s du secteur priv\u00e9. Fonction publique (contractuelle, temporaire). L\u2019adh\u00e9sion \u00e0 RCI se poursuit. Ce plan est actuellement g\u00e9r\u00e9 par <strong>Assurance retraite<\/strong>.<\/p>\n<p>Suite \u00e0 un rapport de la Cour des comptes pointant les dysfonctionnements de la Cipav (erreurs dans le calcul des retraites, non-paiement des retraites, etc.), la loi de financement de la s\u00e9curit\u00e9 sociale (LFSS) de 2018 a limit\u00e9 l&#039;adh\u00e9sion \u00e0 la caisse. \u00e0 20 professions lib\u00e9rales, contre plus de 400 auparavant.<\/p>\n<p>A partir du 1er janvier 2018, seuls les microentrepreneurs des professions lib\u00e9rales suivantes peuvent adh\u00e9rer au Cipav :<\/p>\n<ul>\n<li>architecte, architecte d&#039;int\u00e9rieur, \u00e9conomiste de la construction, ma\u00eetre d&#039;\u0153uvre, g\u00e9om\u00e8tre expert;<\/li>\n<li>ing\u00e9nieur-conseil;<\/li>\n<li>moniteur de ski, guide de haute montagne, accompagnateur de moyenne montagne;<\/li>\n<li>ost\u00e9opathe, psychologue, psychoth\u00e9rapeute, ergoth\u00e9rapeute, di\u00e9t\u00e9ticien, chiropracteur;<\/li>\n<li>artiste non affili\u00e9 \u00e0 la Maison des artistes ou \u00e0 l&#039;Association pour la gestion de la S\u00e9curit\u00e9 sociale des auteurs (<strong>Agesse<\/strong>);<\/li>\n<li>expert en automobile, expert devant les tribunaux;<\/li>\n<li>mandataire judiciaire \u00e0 la protection des majeurs;<\/li>\n<li>guide-conf\u00e9rencier.<\/li>\n<\/ul>\n<p>D\u2019autres microentrepreneurs lib\u00e9raux, comme leurs confr\u00e8res commer\u00e7ants et artisans, sont associ\u00e9s \u00e0 <strong>Assurance retraite<\/strong> pour la retraite de base et RCI pour la retraite compl\u00e9mentaire. Il appara\u00eet toutefois qu\u2019ils ne cotisent pas r\u00e9ellement au RCI, comme le r\u00e9v\u00e8le la FNAE dans un communiqu\u00e9 diffus\u00e9 le 13 janvier 2021.<\/p>\n<p>La FNAE a re\u00e7u un projet de r\u00e9solution gouvernementale relative \u00e0 la r\u00e9partition des cotisations et des cotisations sociales auxquelles sont soumis les micro-entrepreneurs. Car si les forfaits de charges sociales sont connus (12,8% pour les activit\u00e9s commerciales et artisanales, 22% pour les activit\u00e9s lib\u00e9rales et les services rendus 22,2% au 1er juillet 2021), on ne sait pas comment se r\u00e9partit ce forfait. Toutefois, \u00e0 la lecture du projet de d\u00e9cret, la FNAE a constat\u00e9 que les microentrepreneurs lib\u00e9raux non affili\u00e9s \u00e0 la Cipav ne paient pas de cotisations de retraite compl\u00e9mentaires. Le document pr\u00e9voit que les autoentrepreneurs int\u00e9ress\u00e9s pourront cotiser \u00e0 RCI, sous r\u00e9serve d&#039;une augmentation de leur forfait social de 5,1 points. En revanche, faute de cotisations \u00e0 RCI, rien n&#039;est pr\u00e9vu pour 2018, 2019 et 2020. Pour le moment, le d\u00e9cret n&#039;a pas encore \u00e9t\u00e9 publi\u00e9 dans <em>Officiel du Journal<\/em>.<\/p>\n<p>Les micro-entrepreneurs des professions lib\u00e9rales qui ne font pas partie des 20 professions couvertes par le Cipav et qui ont d\u00e9but\u00e9 leurs activit\u00e9s avant le 1er janvier 2018 peuvent, s&#039;ils le souhaitent, solliciter l&#039;assurance retraite et (en th\u00e9orie) aupr\u00e8s du RCI avant le 1er janvier. 2023. Pour ce faire, il leur suffit d&#039;introduire une demande \u00e9crite d&#039;affiliation \u00e0 la caisse d&#039;assurance retraite dont ils d\u00e9pendront (Cnav en Ile-de-France, Carsat dans la r\u00e9gion de r\u00e9sidence, CGSS des d\u00e9partements et r\u00e9gions d&#039;outre-mer [DOM -ROM] de r\u00e9sidence). La Fondation veillera \u00e0 ce que leur adh\u00e9sion au Cipav soit r\u00e9sili\u00e9e. Pour que votre adh\u00e9sion prenne effet au 1er janvier de l\u2019ann\u00e9e suivante, vous devez introduire une demande d\u2019adh\u00e9sion <strong>Assurance retraite<\/strong> et RCI jusqu&#039;au 30 octobre.<\/p>\n<blockquote><p>Attention : l&#039;option n&#039;est pas remboursable. Un microentrepreneur lib\u00e9ral ne pourra pas revenir au Cipav apr\u00e8s s&#039;\u00eatre inscrit au <strong>Assurance retraite<\/strong> et RCI.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a3%d1%81%d0%bb%d0%be%d0%b2%d0%b8%d1%8f_%d0%b4%d0%bb%d1%8f_%d0%bf%d0%be%d0%b4%d1%82%d0%b2%d0%b5%d1%80%d0%b6%d0%b4%d0%b5%d0%bd%d0%b8%d1%8f_%d0%ba%d0%b2%d0%b0%d1%80%d1%82%d0%b0%d0%bb%d0%b0_%d0%b2_%d1%86%d0%b5%d0%bb%d1%8f%d1%85_%d0%bf%d0%be%d0%b4%d1%82%d0%b2%d0%b5%d1%80%d0%b6%d0%b4%d0%b5%d0%bd%d0%b8%d1%8f_%d0%bf%d1%80%d0%b0%d0%b2_%d0%bd%d0%b0_%d0%b1%d0%b0%d0%b7%d0%be%d0%b2%d1%83%d1%8e_%d1%87%d0%b0%d1%81%d1%82%d1%8c_%d0%bf%d0%b5%d0%bd%d1%81%d0%b8%d0%b8\"><\/span>Conditions de confirmation du trimestre afin de confirmer les droits \u00e0 la partie de base de la pension<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pour b\u00e9n\u00e9ficier d\u2019une pension de base \u00e0 taux plein, les microentrepreneurs, comme les autres travailleurs, doivent justifier d\u2019un certain nombre de trimestres, qui d\u00e9pend de leur ann\u00e9e de naissance. Dans le cas contraire, ils per\u00e7oivent une pension de base \u00e0 taux r\u00e9duit. Leur pension de base est r\u00e9duite de 1 251 TP3T pour chaque trimestre manquant \u00e0 251 TP3T (\u00e9quivalent \u00e0 20 trimestres).<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1961\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-1.jpg\" alt=\"\" width=\"801\" height=\"400\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-1.jpg 801w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-1-300x150.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-1-768x384.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-1-696x348.jpg 696w\" sizes=\"auto, (max-width: 801px) 100vw, 801px\" \/><\/p>\n<p>Pour b\u00e9n\u00e9ficier des trimestres de retraite, un microentrepreneur doit respecter des seuils annuels de revenus professionnels. Ce revenu correspond au chiffre d&#039;affaires de l&#039;ann\u00e9e diminu\u00e9 de l&#039;abattement forfaitaire, qui d\u00e9pend de la nature de l&#039;activit\u00e9 de l&#039;ind\u00e9pendant. Cette abr\u00e9viation est appliqu\u00e9e automatiquement par l&#039;Urssaf.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1958\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-3.jpg\" alt=\"\" width=\"807\" height=\"230\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-3.jpg 807w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-3-300x86.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-3-768x219.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-3-696x198.jpg 696w\" sizes=\"auto, (max-width: 807px) 100vw, 807px\" \/><\/p>\n<p>Les seuils de revenus annuels permettant de b\u00e9n\u00e9ficier d&#039;un ou plusieurs trimestres de retraite varient \u00e9galement en fonction de la nature des activit\u00e9s du microentrepreneur. Voici le bar\u00e8me des seuils pour 2021.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1959\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-4.jpg\" alt=\"\" width=\"797\" height=\"620\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-4.jpg 797w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-4-300x233.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-4-768x597.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-4-696x541.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-4-540x420.jpg 540w\" sizes=\"auto, (max-width: 797px) 100vw, 797px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a6%d0%b5%d0%bd%d0%bd%d0%be%d1%81%d1%82%d1%8c_%d0%b1%d0%b0%d0%bb%d0%bb%d0%b0_%d0%b4%d0%bb%d1%8f_%d1%81%d0%b0%d0%bc%d0%be%d0%b7%d0%b0%d0%bd%d1%8f%d1%82%d1%8b%d1%85_%d0%b2_2021_%d0%b3%d0%be%d0%b4%d1%83\"><\/span>La valeur d&#039;un point pour les ind\u00e9pendants en 2021<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les r\u00e9gimes de retraite de base et compl\u00e9mentaire Cipav (pour les micro-entrepreneurs professions lib\u00e9rales) ainsi que le RCI (r\u00e9gime de retraite compl\u00e9mentaire pour les artisans, commer\u00e7ants et professions lib\u00e9rales non affili\u00e9s au Cipav) sont des r\u00e9gimes qui cumulent des points. Les cotisations permettent de cumuler des points en fonction du prix d&#039;achat des points fix\u00e9 chaque ann\u00e9e. Le cumul de points permet de calculer le montant de votre pension, puisque la valeur du point est \u00e9galement r\u00e9\u00e9valu\u00e9e annuellement.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1960\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-5.jpg\" alt=\"\" width=\"798\" height=\"311\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-5.jpg 798w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-5-300x117.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-5-768x299.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-5-696x271.jpg 696w\" sizes=\"auto, (max-width: 798px) 100vw, 798px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1962\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-6.jpg\" alt=\"\" width=\"806\" height=\"181\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-6.jpg 806w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-6-300x67.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-6-768x172.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/11\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-6-696x156.jpg 696w\" sizes=\"auto, (max-width: 806px) 100vw, 806px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a1%d1%82%d0%be%d0%b8%d0%bc%d0%be%d1%81%d1%82%d1%8c_%d0%b1%d0%b0%d0%b7%d0%be%d0%b2%d0%be%d0%b3%d0%be_%d0%b1%d0%b0%d0%bb%d0%bb%d0%b0_cipav_2021\"><\/span>Co\u00fbt des points de base Cipav 2021<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Les cotisations de base pour la retraite du Cipav reposent sur deux cotisations. Le groupe A correspond \u00e0 un revenu annuel (chiffre d&#039;affaires moins l&#039;abattement forfaitaire) compris entre 4 730 \u20ac et le plafond annuel de la s\u00e9curit\u00e9 sociale (Pass), soit 41 136 \u20ac en 2021. Le groupe B \u00e9quivaut \u00e0 la part des revenus annuels comprise entre le 1 et le 5 Pass (de 41 136 euros \u00e0 205 680 euros).<\/p>\n<p>Le co\u00fbt d&#039;achat d&#039;un point de retraite de base du Cipav est fix\u00e9 \u00e0 6,44 \u20ac en 2021. Pour les micro-entrepreneurs ayant atteint un revenu annuel compris entre 4 730 \u20ac et 41 136 \u20ac, 6,44 \u20ac de cotisations de retraite vers\u00e9es via l&#039;Urssaf au Cipav permettent de racheter 1 point de retraite de base au Cipav.<\/p>\n<p>Le prix d&#039;achat d&#039;un point Cipav Groupe B est fix\u00e9 \u00e0 153,84 \u20ac en 2021. Pour la part de revenu annuel comprise entre 41 136 \u20ac et 205 680 \u20ac, les cotisations de base retraite de 153,84 \u20ac vers\u00e9es par l&#039;Urssaf sur le Cipav permettent l&#039;acquisition de 1 point de base Cipav.<\/p>\n<p>La valeur du point de retraite de base du Cipav, qui d\u00e9terminera le montant de la pension de base vers\u00e9e par le Cipav aux professions lib\u00e9rales ind\u00e9pendantes, est fix\u00e9e \u00e0 0,5731 \u20ac en 2021.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a1%d1%82%d0%be%d0%b8%d0%bc%d0%be%d1%81%d1%82%d1%8c_%d0%b4%d0%be%d0%bf%d0%be%d0%bb%d0%bd%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d0%be%d0%b3%d0%be_%d0%b1%d0%b0%d0%bb%d0%bb%d0%b0_cipav_2021\"><\/span>Co\u00fbt du point Cipav suppl\u00e9mentaire 2021<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Le nombre de points de retraite Cipav suppl\u00e9mentaires achet\u00e9s est proportionnel au montant vers\u00e9 par l&#039;Urssaf au titre de cotisation retraite suppl\u00e9mentaire. Un point de retraite suppl\u00e9mentaire du Cipav est achet\u00e9 pour chaque tranche de 40,47 \u20ac de cotisations de retraite suppl\u00e9mentaires vers\u00e9es via l&#039;Urssaf au Cipav.<\/p>\n<p>Le co\u00fbt du point Cipav, qui d\u00e9terminera le montant de la pension compl\u00e9mentaire, pour les professions lib\u00e9rales lib\u00e9rales, est fix\u00e9 \u00e0 2,63 \u20ac en 2021.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%91%d0%b0%d0%bb%d0%bb%d1%8b_rci_2021\"><\/span>Points RCI 2021<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Le plafond de cotisation au r\u00e9gime du R\u00e9gime de Cotisation Compl\u00e9mentaire (RCI) est de 38 493 \u20ac en 2021. Le prix d&#039;achat d&#039;un point RCI est fix\u00e9 \u00e0 17 765 \u20ac. Ainsi, des cotisations RCI de 17 765 \u20ac permettent de recevoir 1 point RCI.<\/p>\n<p>La valeur du point RCI, qui d\u00e9terminera le montant de la pension compl\u00e9mentaire assur\u00e9e par l&#039;assurance pension du RCI \u00e0 un artisan, commer\u00e7ant ou profession lib\u00e9rale non rattach\u00e9e au Cipav, est fix\u00e9e \u00e0 1 208 \u20ac en 2021.<\/p>\n<p>Sur la fa\u00e7on de calculer de mani\u00e8re ind\u00e9pendante votre future pension. Renseignez-vous sur les pensions des personnes qui sont \u00e0 la fois salari\u00e9es et ind\u00e9pendantes. <a href=\"https:\/\/partenaire.toutsurmesfinances.com\/fd6u8m32\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-1203\/#top\">article sur le lien...<\/a><\/p>\n<p>Inscrivez-vous \u00e0 une consultation avec moi pour savoir quel sera votre rente et quelles solutions s&#039;offrent \u00e0 vous pour l&#039;augmenter.<\/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>Source : https:\/\/partenaire.toutsurmesfinances.com\/fd6u8m32\/retraite-auto-entrepreneurs-2021-quelles-pensions-pour-les-micro-entrepreneurs-1203\/#top<\/p>","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez quel sera le montant de la retraite des ind\u00e9pendants en 2021 en France.<\/p>","protected":false},"author":1,"featured_media":1965,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[322,366],"class_list":{"0":"post-1935","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-pensija","9":"tag-finance"},"acf":[],"yoast_head":"<title>\u0412\u0441\u0451 \u043e \u043f\u0435\u043d\u0441\u0438\u0438 2021 \u0434\u043b\u044f \u0441\u0430\u043c\u043e\u0437\u0430\u043d\u044f\u0442\u044b\u0445 \u0432\u043e \u0424\u0440\u0430\u043d\u0446\u0438\u0438 \u043d\u0430 Rouzade.com<\/title>\n<meta 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