Your pension as a self-employed
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Written by Simon
Updated over a week ago

What are the principles of the pension as a self-employed?

The pension for the self-employed : this idea itself could discourage you from becoming self-employed. And yet: you can have a pension worthy of the name. Better still, by preparing this pension, you can reduce your taxes as a self-employed person today.

Below is a quick explanation with the principles of the pension for a freelancer.

1- Your mandatory legal pension :

  • It's paid through your social contributions every quarter.

  • You must contribute for at least 30 years as a self-employed in order to benefit from this pension.

  • The amount you will receive depends on the amount of your earnings (and therefore on how much you have contributed through social contributions).

2- Your optional supplementary pension:

  • You can subscribe to a supplementary pension of your choice

  • The amounts you save each year are 100% deductible from your taxable income.

  • The conditions (amounts, use) are generally flexible.

How much do I need to invest in my FSPSE?

We have prepared a pension simulator especially for you: visualize the amount of your legal pension according to your situation, and estimate the amounts and advantages of a supplementary pension.


How does it actually work in the Accountable app?

1- For your social contributions:

  • They are encoded as expenses, in the category "social contributions".

  • There is no VAT on social contributions.

  • The amounts are automatically deducted from your taxable income for the calculation of your Personal Income Tax.

  • 2 ways to easily find these amounts

    1. go to Taxes > IPP declaration > 5- income statement

    2. go to Export > Income statement

2- For your FSPSE :

  • They are encoded as expenses, in the category "Pension Plan".

  • There is no VAT on this expense.

  • The amounts are automatically deducted from your taxable income for the calculation of your Personal Income Tax.

  • 2 ways to easily find these amounts:

    1. go to Taxes > Income tax submission > 5- income Profits and Losses

    2. go to Data export > P&L

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