{"version":"2026.7","updated":"2026-07-14","provider":"Marcel","siteUrl":"https://marcel-retraite.fr","description":"Bibliotheque de calculateurs retraite francais — moteurs reglementaires versionnes, baremes 2026 verifies, 348 golden tests. Chaque moteur expose ses sources, sa couverture et ses limitations.","totalCalculators":38,"calculators":[{"slug":"calculateur-aspa","title":"Calculateur ASPA 2026 - minimum vieillesse","description":"Verifiez votre eligibilite a l'ASPA (minimum vieillesse) et estimez votre allocation 2026 : plafonds 1 043,59 euros (seul) / 1 620,18 euros (couple), formule differentielle, recuperation sur succession.","tags":["aspa","minimum vieillesse","solidarite"],"url":"https://marcel-retraite.fr/calculateur-aspa","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-carriere-mixte","title":"Retraite carriere mixte salarie + liberal","description":"Consolidez vos 4 pensions de polypensionne : base regime general proratisee, Agirc-Arrco, base CNAVPL et complementaire liberale (CARMF, CAVEC, CIPAV, CARPIMKO). Regle du taux tous regimes appliquee, baremes 2026.","tags":["carriere mixte","polypensionne","liberal","salarie"],"url":"https://marcel-retraite.fr/calculateur-carriere-mixte","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-cumul-emploi-retraite","title":"Calculateur cumul emploi-retraite","description":"Calculez votre plafond de revenus en cumul emploi-retraite : integral ou plafonne, regles 2026.","tags":["cumul","emploi","retraite"],"url":"https://marcel-retraite.fr/calculateur-cumul-emploi-retraite","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-decote-surcote","title":"Calculateur decote surcote retraite 2026","description":"Calculez votre decote selon la regle officielle du minimum entre trimestres manquants et age de 67 ans.","tags":["decote","surcote","trimestres"],"url":"https://marcel-retraite.fr/calculateur-decote-surcote","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-impot-retraite","title":"Calculateur impot sur la retraite","description":"Estimez l'impot sur le revenu reel de votre pension : abattement 10%, calcul par tranches progressives, quotient familial, bareme 2026.","tags":["impot","fiscalite","retraite"],"url":"https://marcel-retraite.fr/calculateur-impot-retraite","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-agirc-arrco","title":"Calculateur pension Agirc-Arrco 2026","description":"Calculez votre retraite complementaire Agirc-Arrco : points x valeur du point 1,4386 euros (2026).","tags":["agirc-arrco","complementaire","points"],"url":"https://marcel-retraite.fr/calculateur-pension-agirc-arrco","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-base","title":"Calculateur pension de base retraite CNAV","description":"Calculez votre retraite de base du regime general : SAM x taux x proratisation, avec decote, surcote et plafond PASS 2026. Formule officielle CNAV.","tags":["pension base","cnav","sam","regime general"],"url":"https://marcel-retraite.fr/calculateur-pension-base","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-carmf","title":"Calculateur pension complementaire CARMF medecins","description":"Calculez votre retraite complementaire CARMF : points x valeur du point 77,14 euros (2026).","tags":["carmf","medecins","liberal"],"url":"https://marcel-retraite.fr/calculateur-pension-carmf","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-carpimko","title":"Calculateur pension complementaire CARPIMKO auxiliaires medicaux","description":"Calculez votre retraite complementaire CARPIMKO : points x 21,48 euros (2026), age du taux plein generationnel.","tags":["carpimko","infirmiers","kines","auxiliaires medicaux"],"url":"https://marcel-retraite.fr/calculateur-pension-carpimko","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-cavec","title":"Calculateur pension complementaire CAVEC experts-comptables","description":"Calculez votre retraite complementaire CAVEC : points x valeur du point 1,3850 euros (2026), taux plein fixe a 65 ans.","tags":["cavec","experts-comptables","liberal"],"url":"https://marcel-retraite.fr/calculateur-pension-cavec","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-cipav","title":"Calculateur pension complementaire CIPAV","description":"Calculez votre retraite complementaire CIPAV : points x 2,89 euros (2026), taux plein a 67 ans ou par duree d'assurance, surcote conditionnelle.","tags":["cipav","architectes","osteopathes","psychologues"],"url":"https://marcel-retraite.fr/calculateur-pension-cipav","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-cnavpl","title":"Calculateur pension de base CNAVPL professions liberales","description":"Calculez votre pension de base CNAVPL : socle commun a toutes les professions liberales, point 0,6599 euros (2026).","tags":["cnavpl","liberal","base"],"url":"https://marcel-retraite.fr/calculateur-pension-cnavpl","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-cnbf-base","title":"Calculateur retraite de base CNBF avocats","description":"Calculez votre retraite de base CNBF : montant forfaitaire 19 154 euros/an (2026), pas de calcul sur SAM.","tags":["cnbf","avocats","base"],"url":"https://marcel-retraite.fr/calculateur-pension-cnbf-base","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-cnbf-complementaire","title":"Calculateur pension complementaire CNBF avocats","description":"Calculez votre retraite complementaire CNBF : points x valeur du point 1,0262 euros (2026).","tags":["cnbf","avocats","complementaire"],"url":"https://marcel-retraite.fr/calculateur-pension-cnbf-complementaire","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-fonction-publique","title":"Calculateur retraite fonctionnaire SRE CNRACL","description":"Estimez la pension de base d'un fonctionnaire sedentaire : traitement indiciaire x 75% x prorata, decote sur le montant, surcote, majoration enfants. Regles 2026.","tags":["fonctionnaire","sre","cnracl","fonction publique"],"url":"https://marcel-retraite.fr/calculateur-pension-fonction-publique","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-nette","title":"Calculateur pension nette CSG CRDS CASA","description":"Calculez votre pension nette reelle apres prelevements sociaux (CSG, CRDS, CASA) selon votre revenu fiscal de reference, 4 taux 2026.","tags":["pension nette","csg","crds","prelevements"],"url":"https://marcel-retraite.fr/calculateur-pension-nette","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-pension-rci","title":"Calculateur pension RCI independants","description":"Calculez votre retraite complementaire RCI : artisans, commercants, point 1,347 euros (2026).","tags":["rci","independants","artisans","commercants"],"url":"https://marcel-retraite.fr/calculateur-pension-rci","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-polypensionne-public-prive","title":"Calculateur retraite polypensionne public prive","description":"Consolidez vos pensions de fonctionnaire (SRE/CNRACL + RAFP) et de salarie du prive (regime general + Agirc-Arrco minoree). Trois compteurs de trimestres, regle du taux tous regimes.","tags":["polypensionne","fonctionnaire","salarie","mixte"],"url":"https://marcel-retraite.fr/calculateur-polypensionne-public-prive","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-rachat-trimestres","title":"Calculateur rachat de trimestres 2026","description":"Calculez le cout et la rentabilite d'un rachat de trimestres : bareme officiel 2026, point mort, economie fiscale.","tags":["rachat trimestres","vpr","retraite"],"url":"https://marcel-retraite.fr/calculateur-rachat-trimestres","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-rafp","title":"Calculateur RAFP retraite additionnelle fonction publique","description":"Calculez votre prestation RAFP : rente a partir de 5 125 points, capital en dessous. Valeur de service 0,05671 euros (2026), coefficients officiels.","tags":["rafp","fonction publique","additionnelle"],"url":"https://marcel-retraite.fr/calculateur-rafp","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-progressive","title":"Calculateur retraite progressive 2026","description":"Calculez votre retraite progressive : fraction de pension + maintien en temps partiel, regles 2026.","tags":["retraite progressive","temps partiel"],"url":"https://marcel-retraite.fr/calculateur-retraite-progressive","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale","title":"Calculateur retraite totale salarie regime general Agirc-Arrco","description":"Estimez votre retraite totale de salarie : base regime general + Agirc-Arrco + minimum contributif + majoration enfants. Baremes 2026.","tags":["retraite totale","salarie","agirc-arrco"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale-auxiliaire-medical","title":"Calculateur retraite infirmier kine orthophoniste CNAVPL CARPIMKO","description":"Estimez la retraite totale d'un auxiliaire medical liberal : pension de base CNAVPL + complementaire CARPIMKO (point 21,48 euros, 2026).","tags":["auxiliaire medical","infirmier","kine","carpimko"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale-auxiliaire-medical","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale-avocat","title":"Calculateur retraite totale avocat CNBF","description":"Estimez la retraite totale d'un avocat : base CNBF forfaitaire + complementaire CNBF par points. Baremes 2026.","tags":["avocat","cnbf","retraite totale"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale-avocat","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale-cipav","title":"Calculateur retraite totale profession liberale Cipav","description":"Estimez la retraite totale d'un professionnel liberal Cipav : CNAVPL + CIPAV. Baremes 2026.","tags":["cipav","liberal","retraite totale"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale-cipav","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale-expert-comptable","title":"Calculateur retraite totale expert-comptable CNAVPL CAVEC","description":"Estimez la retraite totale d'un expert-comptable : pension de base CNAVPL + complementaire CAVEC. Baremes 2026.","tags":["expert-comptable","cavec","retraite totale"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale-expert-comptable","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale-fonctionnaire","title":"Calculateur retraite totale fonctionnaire SRE CNRACL RAFP","description":"Estimez la retraite totale d'un fonctionnaire sedentaire : pension de base + RAFP (rente ou capital selon vos points). Baremes 2026.","tags":["fonctionnaire","rafp","retraite totale"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale-fonctionnaire","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale-independant","title":"Calculateur retraite totale independant SSI RCI","description":"Estimez la retraite totale d'un independant : base (identique au regime general depuis 2020) + complementaire RCI. Baremes 2026.","tags":["independant","rci","ssi","retraite totale"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale-independant","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale-dentiste","title":"Retraite totale dentiste et sage-femme (CNAVPL + CARCDSF RC)","description":"Base CNAVPL + complementaire CARCDSF RC (point 31,82 euros, 2026). Taux plein 67 ans. PCV hors V1.","tags":["dentiste","sage-femme","carcdsf","cnavpl"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale-dentiste","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-retraite-totale-medecin","title":"Calculateur retraite totale medecin CNAVPL CARMF","description":"Estimez la retraite totale d'un medecin liberal : pension de base CNAVPL + complementaire CARMF. ASV exclue (regime separe). Baremes 2026.","tags":["medecin","carmf","retraite totale"],"url":"https://marcel-retraite.fr/calculateur-retraite-totale-medecin","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"comparateur-age-depart-retraite","title":"Comparateur age de depart a la retraite","description":"Comparez votre retraite totale (base + Agirc-Arrco minoree) a chaque age de depart, avec progression de vos trimestres, et calculez votre age d'equilibre. Baremes 2026.","tags":["age de depart","equilibre","comparateur"],"url":"https://marcel-retraite.fr/comparateur-age-depart-retraite","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"diagnostic-minimum-contributif","title":"Diagnostic minimum contributif retraite 2026","description":"Comment le minimum contributif peut relever automatiquement une pension faible, jusqu'a 903,93 euros par mois en 2026.","tags":["minimum contributif","mico","pension minimale"],"url":"https://marcel-retraite.fr/diagnostic-minimum-contributif","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"diagnostic-pension-reversion","title":"Diagnostic pension de reversion","description":"Estimez votre pension de reversion selon votre situation familiale et vos ressources. Regles 2026.","tags":["reversion","conjoint","survivant"],"url":"https://marcel-retraite.fr/diagnostic-pension-reversion","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-succession-assurance-vie","title":"Calculateur succession assurance-vie 2026 (990 I / 757 B)","description":"Fiscalite reelle d'une clause beneficiaire : abattement de 152 500 euros PAR BENEFICIAIRE (art. 990 I) et non par contrat, regime 757 B des primes versees apres 70 ans ou seules les primes sont taxees (plus-values exonerees), cumul des deux abattements, exoneration totale du conjoint et du partenaire de PACS (loi TEPA), prelevements sociaux sur les gains d'unites de compte. Compare au calcul naif que produisent la plupart des simulateurs. 18 golden tests.","tags":["assurance-vie","succession","transmission","990 I","757 B","clause beneficiaire","tepa"],"url":"https://marcel-retraite.fr/calculateur-succession-assurance-vie","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-per","title":"Calculateur PER 2026 - effort reel et flux net a la retraite","description":"Simulateur PER individuel complet : plafond de deduction (CGI art. 163 quatervicies) avec reports sur 3 ans, economie d'impot au bareme progressif reel (et non versement x TMI), TMI de sortie recalculee sur le revenu global de retraite (pension + flux PER), sortie en rente ou capital fractionne, trajectoire assurance-vie parallele a objectif net identique. Resolution inverse : quel versement produit X euros/mois nets ? Bareme LF 2026, 46 golden tests.","tags":["per","epargne retraite","fiscalite","163 quatervicies","assurance-vie","tmi","plafond deduction"],"url":"https://marcel-retraite.fr/calculateur-per","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"calculateur-gap-epargne","title":"Calculateur gap epargne retraite","description":"Capital necessaire et effort mensuel pour maintenir son niveau de vie a la retraite : gap = objectif - pension nette, capital cible, 3 scenarios de rendement reel. Tables INSEE 2025. Aucun conseil produit.","tags":["gap","epargne","capital cible","effort mensuel"],"url":"https://marcel-retraite.fr/calculateur-gap-epargne","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"diagnostic-per","title":"Diagnostic PER gain fiscal reel","description":"Evaluez l'efficacite fiscale reelle d'un versement PER : economie d'impot, effort d'epargne reel, imposition a la sortie, gain fiscal net selon le differentiel de TMI.","tags":["per","epargne retraite","fiscal"],"url":"https://marcel-retraite.fr/diagnostic-per","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"},{"slug":"pre-diagnostic-carriere-longue","title":"Pre-diagnostic carriere longue retraite anticipee","description":"Verifiez rapidement si vous pouvez partir en retraite anticipee pour carriere longue selon vos trimestres cotises et votre age de debut de carriere.","tags":["carriere longue","depart anticipe","retraite anticipee"],"url":"https://marcel-retraite.fr/pre-diagnostic-carriere-longue","free":true,"language":"fr-FR","baremesAnnee":2026,"verifiedOn":"2026-07-11"}]}