{"version":"2026.7","updated":"2026-07-14","provider":"Marcel","siteUrl":"https://marcel-retraite.fr","description":"Moteurs reglementaires de calcul de retraite francais. Chaque regle est sourcee sur des textes officiels, verifiee contre des exemples chiffres et figee par des golden tests avant mise en ligne.","stats":{"totalCalculators":41,"totalGoldenTests":348,"baremesAnnee":2026,"lastVerified":"2026-07-14"},"rules":[{"id":"pension-base-regime-general","title":"Pension de base CNAV","formula":"SAM x Taux x (Trimestres valides / Duree requise)","sources":["Code SS L351-1","Code SS R351-29","service-public.gouv.fr F21552"],"keyValues":{"tauxPlein":0.5,"decoteParTrimestre":0.00625,"surcoteParTrimestre":0.0125,"pass2026":48060,"micoBase":756.29,"micoMajore":903.93},"coverage":["Decote/surcote","Proratisation","Plafond PASS","Minimum contributif"],"limitations":["SAM saisi par l'utilisateur","Zones grises 1963-1968 : saisie obligatoire"],"confidence":"high","goldenTests":5,"verifiedOn":"2026-07-07","url":"https://marcel-retraite.fr/calculateur-pension-base"},{"id":"agirc-arrco","title":"Complementaire Agirc-Arrco","formula":"Points x Valeur du point x 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regimes","Decote/surcote"],"confidence":"high","goldenTests":5,"verifiedOn":"2026-07-09","url":"https://marcel-retraite.fr/calculateur-pension-cnavpl"},{"id":"carmf","title":"Complementaire CARMF (medecins)","formula":"Points x 77,14 euros","sources":["carmf.fr"],"keyValues":{"valeurPoint2026":77.14},"limitations":["ASV regime distinct","Decote non sourcee en V1"],"confidence":"high","goldenTests":5,"verifiedOn":"2026-07-09","url":"https://marcel-retraite.fr/calculateur-pension-carmf"},{"id":"cnbf","title":"Retraite CNBF (avocats)","formula":"Base forfaitaire 19154 euros/an + Points x 1,0262 euros","sources":["cnbf.fr","Previssima exemple verifie au centime"],"keyValues":{"baseForfaitaire2026":19154,"valeurPointComplementaire2026":1.0262},"limitations":["Pivot age decote zone grise"],"confidence":"high","goldenTests":8,"verifiedOn":"2026-07-09","url":"https://marcel-retraite.fr/calculateur-retraite-totale-avocat"},{"id":"cavec","title":"Complementaire CAVEC 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centime"],"keyValues":{"valeurPoint2026":21.48},"confidence":"high","goldenTests":7,"verifiedOn":"2026-07-11","url":"https://marcel-retraite.fr/calculateur-pension-carpimko"},{"id":"rci","title":"Complementaire RCI (independants)","formula":"Points x 1,347 euros","sources":["rci-retraite.fr"],"keyValues":{"valeurService2026":1.347},"confidence":"high","goldenTests":5,"verifiedOn":"2026-07-09","url":"https://marcel-retraite.fr/calculateur-pension-rci"},{"id":"fonction-publique","title":"Pension base SRE/CNRACL (fonctionnaires sedentaires)","formula":"TIB x Taux liquidation x (Trimestres FP / Duree requise)","sources":["retraitesdeletat.gouv.fr","cnracl.retraites.fr","decret 2003-1306"],"keyValues":{"tauxMax":0.75,"decoteParTrimestre":0.0125,"ageAnnulationDecote":67},"coverage":["Decote sur le montant","Regle du MIN","Surcote","Majoration enfants"],"limitations":["Categories actives exclues","Bonifications exclues"],"confidence":"high","goldenTests":9,"exampleOfficiel":"148/168 -> taux 66,07% -> 1719,29 euros/mois verifie au centime","verifiedOn":"2026-07-11","url":"https://marcel-retraite.fr/calculateur-pension-fonction-publique"},{"id":"rafp","title":"RAFP (retraite additionnelle fonction publique)","formula":"Rente: Points x 0,05671 euros x Coef majoration | Capital: x Coef conversion","sources":["deliberation ERAFP 16/12/2025","service-public.gouv.fr F12387 — 3 exemples verifies au centime"],"keyValues":{"valeurService2026":0.05671,"seuilRente":5125,"seuilCapitalFractionne":4900},"confidence":"high","goldenTests":7,"verifiedOn":"2026-07-11","url":"https://marcel-retraite.fr/calculateur-rafp"},{"id":"aspa","title":"ASPA minimum vieillesse","formula":"ASPA = max(0, Plafond - Ressources mensuelles)","sources":["service-public.gouv.fr F16871 verifie 23/06/2026","info-retraite.fr exemples verifies au 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Plus-values du compartiment 757 B : EXONEREES.","sources":["CGI art. 990 I","CGI art. 757 B","CGI art. 796-0 bis (loi TEPA)","CGI art. 777","CSS art. 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L132-13) hors V1"],"confidence":"high","goldenTests":18,"verifiedOn":"2026-07-14","url":"https://marcel-retraite.fr/calculateur-succession-assurance-vie"}]}