{"id":20503,"date":"2025-12-26T12:15:58","date_gmt":"2025-12-26T11:15:58","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/votre-pension-dindependant\/"},"modified":"2026-05-28T13:00:22","modified_gmt":"2026-05-28T11:00:22","slug":"votre-pension-dindependant","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/fr-be\/help-center\/votre-pension-dindependant\/","title":{"rendered":"Votre pension d&rsquo;ind\u00e9pendant"},"content":{"rendered":"<p class=\"no-margin\">\n<div class=\"intercom-h2b-video\"><iframe src=\"https:\/\/www.youtube.com\/embed\/vzHRaYBXWtQ?rel=0\" frameborder=\"0\" webkitallowfullscreen mozallowfullscreen allowfullscreen allow=\"autoplay; fullscreen; picture-in-picture; encrypted-media\"><\/iframe><\/div>\n<p class=\"no-margin\"><i>(N&rsquo;h\u00e9sitez pas \u00e0 ajouter les sous-titres en Fran\u00e7ais sur la vid\u00e9o ci-dessus).<\/i><br \/>\u200b<br \/>Quand on est ind\u00e9pendant, mieux vaut penser t\u00f4t \u00e0 sa pension. Contrairement aux salari\u00e9s, les ind\u00e9pendants re\u00e7oivent g\u00e9n\u00e9ralement une pension l\u00e9gale moins \u00e9lev\u00e9e. <br \/>\u200b<br \/>Pour maintenir votre niveau de vie une fois \u00e0 la retraite, il est donc essentiel de pr\u00e9voir une \u00e9pargne compl\u00e9mentaire.<br \/>\u200b<br \/>Le moyen le plus avantageux pour le faire ? La <b>PLCI<\/b> (Pension Libre Compl\u00e9mentaire pour Ind\u00e9pendants). <\/p>\n<h2 id=\"h_ea9c647bfb\">La pension l\u00e9gale des ind\u00e9pendants, comment \u00e7a fonctionne ?<\/h2>\n<ul>\n<li>\n<p class=\"no-margin\">Elle est financ\u00e9e via vos <b>cotisations sociales trimestrielles<\/b>.<\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">Vous devez cotiser <b>au moins 30 ans<\/b> en tant qu\u2019ind\u00e9pendant pour y avoir droit.<\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">Le <b>montant<\/b> d\u00e9pend de vos revenus professionnels : plus vous gagnez (et cotisez), plus vous touchez.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin\">Spoiler : ce montant est souvent insuffisant pour vivre confortablement.<\/p>\n<h2 id=\"h_f1067f81f9\">La PLCI, c\u2019est quoi exactement ?<\/h2>\n<p class=\"no-margin\">La PLCI est une forme d\u2019<b>assurance-pension compl\u00e9mentaire<\/b>, sp\u00e9cialement con\u00e7ue pour les ind\u00e9pendants. Chaque ann\u00e9e, vous versez une cotisation qui vous permet de <b>constituer un capital pension<\/b>. Ce montant s\u2019ajoutera \u00e0 votre pension l\u00e9gale, pour que vous puissiez profiter de votre retraite avec plus de s\u00e9r\u00e9nit\u00e9.<\/p>\n<h2 id=\"h_98da478c00\">Les gros avantages fiscaux de la PLCI<\/h2>\n<ul>\n<li>\n<p class=\"no-margin\">\u2705 <b>D\u00e9duction \u00e0 100 %<\/b> : les montants vers\u00e9s sont d\u00e9ductibles en frais professionnels. R\u00e9sultat : moins d\u2019imp\u00f4ts.<br \/>\u200b<\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">\u2705 <b>Moins de cotisations sociales<\/b> : comme votre revenu net imposable baisse, vos cotisations sociales diminuent aussi.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin\">\u27a1\ufe0f En combinant les deux, votre avantage fiscal peut atteindre <b>jusqu\u2019\u00e0 64 %<\/b> du montant que vous versez. En d\u2019autres mots : vous \u00e9pargnez pour plus tard tout en payant moins maintenant.<\/p>\n<h2 id=\"h_2fe108790b\">Combien pouvez-vous verser en 2025 ?<\/h2>\n<ul>\n<li>\n<p class=\"no-margin\"><b>PLCI classique<\/b> : jusqu\u2019\u00e0 <b>8,17 %<\/b> de votre revenu net imposable, avec un maximum de <b>4.000,44 \u20ac<\/b>.<\/p>\n<\/li>\n<li>\n<p class=\"no-margin\"><b>PLCI sociale<\/b> : jusqu\u2019\u00e0 <b>9,40 %<\/b>, plafonn\u00e9 \u00e0 <b>4.602,71 \u20ac<\/b>.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin\">\ud83d\udca1 La PLCI sociale inclut aussi une <b>protection en cas d\u2019incapacit\u00e9 de travail<\/b>. Au moins 10 % de la prime sert \u00e0 financer ces garanties de solidarit\u00e9.<\/p>\n<h2 id=\"h_b45af49563\">Qui peut souscrire une PLCI ?<\/h2>\n<p class=\"no-margin\">Vous \u00eates \u00e9ligible si vous \u00eates :<\/p>\n<ul>\n<li>\n<p class=\"no-margin\">Ind\u00e9pendant \u00e0 titre principal<\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">Ind\u00e9pendant \u00e0 titre compl\u00e9mentaire <b>qui paie les cotisations sociales compl\u00e8tes<\/b><\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">Conjoint aidant sous le <b>statut maxi<\/b><\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin\">\ud83d\udccc \u00c0 noter : si vous \u00eates <b>starter en activit\u00e9 compl\u00e9mentaire<\/b>, vous ne pouvez souscrire une PLCI <b>qu\u2019apr\u00e8s trois ans d\u2019activit\u00e9<\/b>.<\/p>\n<p class=\"no-margin\">Une PLCI, c\u2019est <b>simple \u00e0 mettre en place, fiscalement avantageux<\/b>, et c\u2019est l\u2019un des rares produits qui vous permettent d\u2019\u00e9pargner intelligemment en tant qu\u2019ind\u00e9pendant.<br \/>\u200b<br \/>\u200b<\/p>\n<h1 id=\"h_21552f2578\">Comment \u00e7a fonctionne dans l&rsquo;application Accountable ? <\/h1>\n<p class=\"intercom-align-justify no-margin\">Voici comment la PLCI (FSPSE\/VAPZ) et vos cotisations sociales sont trait\u00e9es automatiquement dans l&rsquo;app :<br \/>\u200b<\/p>\n<h2 id=\"h_6169f24dd6\">1. Pour vos <b>cotisations sociales<\/b> :<\/h2>\n<ul>\n<li>\n<p class=\"no-margin\">Elles sont <b>encod\u00e9es comme des d\u00e9penses<\/b>, dans la cat\u00e9gorie <b>\u00ab Cotisations sociales \u00bb<\/b>.<\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">\ud83d\udc49 <b>Pas de TVA<\/b> sur les cotisations sociales, donc pas de r\u00e9cup\u00e9ration ou d\u00e9claration \u00e0 faire.<\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">Le montant est <b>automatiquement d\u00e9duit de vos revenus imposables<\/b> pour le calcul de votre imp\u00f4t des personnes physiques (IPP).<br \/>\u200b<br \/>\u27a1\ufe0f R\u00e9sultat : vous b\u00e9n\u00e9ficiez directement de l\u2019avantage fiscal, sans devoir faire de calculs manuels.<\/p>\n<\/li>\n<\/ul>\n<h4 id=\"h_28fd3d4da0\">\ud83d\udca1 2 fa\u00e7ons simples de retrouver ces montants :<\/h4>\n<ul>\n<li>\n<p class=\"no-margin\">Allez dans <b>Taxes &gt; D\u00e9claration IPP &gt; 5 &#8211; Relev\u00e9 des revenus<\/b><\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">Ou bien via <b>Export &gt; Relev\u00e9 des revenus<\/b><br \/>\u200b<\/p>\n<\/li>\n<\/ul>\n<div class=\"intercom-container\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/downloads.intercomcdn.com\/i\/o\/c9wnmh12\/1514472016\/fb96ee49a8581caad68e4eff6fee\/Screenshot+2025-05-08+at+16_55_04.png?expires=1780056000&amp;signature=0818a87cf3f107112af43854a6ed24cbb261e56972cee974c14eb526d1927aaf&amp;req=dSUmEs15n4FeX%2FMW3nq%2BgXd%2Bgl7YTQEpITFhKKpr6z7YfYQxPUT6y0x0jwX5%0AQ4If2Vjfl4psRy61g4W0p6OuOhc%3D%0A\" width=\"2459\" height=\"1499\" style=\"height: auto;\"><\/div>\n<p class=\"no-margin\">\n<p class=\"no-margin\">\n<p class=\"no-margin\">\n<h2 id=\"h_752612f9db\">2. Pour votre <b>PLCI (FSPSE\/VAPZ)<\/b> :<\/h2>\n<ul>\n<li>\n<p class=\"no-margin\">Les versements sont <b>encod\u00e9s comme des d\u00e9penses<\/b> dans la cat\u00e9gorie <b>\u00abPLCI \u00bb<\/b>.<\/p>\n<p class=\"no-margin\">\ud83d\udc49 Il n\u2019y a <b>pas de TVA<\/b> sur cette d\u00e9pense.<br \/>\u200b<\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">Le montant est <b>automatiquement d\u00e9duit de votre revenu imposable<\/b> pour le calcul de l\u2019imp\u00f4t des personnes physiques (IPP).<br \/>\u27a1\ufe0f Vous b\u00e9n\u00e9ficiez donc <b>imm\u00e9diatement<\/b> de l\u2019avantage fiscal, sans devoir faire de d\u00e9marches suppl\u00e9mentaires.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin\">\ud83d\udca1 2 fa\u00e7ons simples de retrouver ces montants :<\/p>\n<ul>\n<li>\n<p class=\"no-margin\">Allez dans <b>Taxes &gt; D\u00e9claration IPP &gt; 5 &#8211; Revenus : B\u00e9n\u00e9fices &amp; pertes<\/b><\/p>\n<\/li>\n<li>\n<p class=\"no-margin\">Ou dans <b>Export de donn\u00e9es &gt; Compte de r\u00e9sultats (b\u00e9n\u00e9fices &amp; pertes)<\/b><\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin\">\n<p class=\"no-margin\">\n<div class=\"intercom-container\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/downloads.intercomcdn.com\/i\/o\/c9wnmh12\/1514483624\/561bc681dc71231fa4d189a60636\/Screenshot+2025-05-08+at+17_04_00.png?expires=1780056000&amp;signature=72d2988072fe6e3c7cab3a21bba195c86342c6eef151e34f4559cc5b39e48ecf&amp;req=dSUmEs12noddXfMW3nq%2BgRtV5sczplke3ligqNndi77cg%2Bc30KXpKNXjFTVM%0A5oppPCtC6eJv5F7M3ObLjl60wsw%3D%0A\" width=\"2416\" height=\"1498\" style=\"height: auto;\"><\/div>\n<p class=\"no-margin\">\n<div class=\"intercom-interblocks-table-container\">\n<table role=\"presentation\">\n<tbody>\n<tr>\n<td style=\"background-color: #d7efdc80;\">\n<p class=\"intercom-align-center no-margin\">Dans votre d\u00e9claration d\u2019imp\u00f4ts, votre PLCI sera reprise sous le code <b>1632<\/b> (secteur commercial) ou <b>1656<\/b> (profession lib\u00e9rale), soit le m\u00eame code que pour vos cotisations sociales.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"no-margin\">\n<h2 id=\"h_f1a676e0f5\">Exemple : PLCI avec un b\u00e9n\u00e9fice de 25.000\u202f\u20ac<\/h2>\n<p class=\"no-margin\">Imaginons que vous \u00eates ind\u00e9pendant \u00e0 titre principal, avec un <b>revenu net imposable<\/b> (apr\u00e8s d\u00e9duction des frais) de <b>25.000\u202f\u20ac<\/b>.<br \/>\u200b<\/p>\n<p class=\"no-margin\">Vous pouvez cotiser jusqu\u2019\u00e0 <b>8,17\u202f%<\/b> de ce revenu (avec un plafond de <b>4.000,44\u202f\u20ac<\/b> en 2025) :<\/p>\n<p class=\"no-margin\">\ud83d\udc49\u202f<b>25.000\u202f\u20ac x 8,17\u202f% = 2.042,50\u202f\u20ac<\/b><br \/>\u200b<\/p>\n<p class=\"no-margin\">Ce montant est <b>enti\u00e8rement d\u00e9ductible<\/b> en tant que frais professionnels.<br \/>R\u00e9sultat : votre revenu imposable diminue, <b>ainsi que vos cotisations sociales<\/b>.<\/p>\n<p class=\"no-margin\">\n","protected":false},"excerpt":{"rendered":"<p>\u00c9pargne-pension pour les ind\u00e9pendants : pourquoi une PLCI (VAPZ\/FSPSE est un choix judicieux<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-20503","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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