For all self-employed
PLCI
The Free Supplementary Pension for the Self-Employed (PLCI/VAPZ) is the first block. Its premiums reduce both your taxable base and your social contributions. To activate first.
Priority 3 — Your retirement
Supplementary pension: prepare the retirement your statutory pension won't fund
A self-employed person's statutory pension stays low, often unrelated to your working income. A supplementary pension (PLCI, CPTI, EIP) builds capital for your later years while cutting your tax every year. The earlier you start, the stronger the effect.
The real problem
The blind spot of the self-employed who earn well
When you invoice comfortably, retirement seems far away. Yet a self-employed person's statutory pension remains structurally low. When the day comes, the gap between your income and your pension can sharply cut your standard of living — and by then it is too late to close it.
The good news: the State encourages self-employed pension saving with tax-advantaged schemes. Every euro paid works twice: it builds your capital and it reduces your tax bill for the year, and for the PLCI your social contributions. Few investments offer such an immediate tax return.
The schemes
Three blocks to stack according to your status
Self-employed individual
CPTI
The Pension Agreement for the Self-Employed (CPTI/POZ) lets the self-employed person without a company go beyond the PLCI, within a dedicated tax framework (the 80% rule).
Company director
EIP
The Individual Pension Commitment (EIP/IPT) is taken out through your company, which pays and deducts the premiums, within the 80% rule. It is the most powerful lever for a consultant running an SRL/BV.
These schemes combine. The right mix depends on your status (individual or company), your income and your goals. That is exactly what we work out with you.
Why act now
Three reasons not to wait
01
Time works for you
Compound interest rewards duration. Starting a few years earlier clearly changes the final capital.
02
The tax advantage can't be caught up
Every year without a contribution is a lost deduction. The annual ceiling does not carry over.
03
Security as a bonus
Some schemes include death cover, so as not to expose your loved ones.
Frequently asked questions
Supplementary pension: your questions
Why does a self-employed person need a supplementary pension ?
A self-employed person's statutory pension is low compared with their working income. Without supplementary savings, the drop in income at retirement is significant. Dedicated schemes let you build capital while reducing tax and, for the PLCI, social contributions.
What is the difference between PLCI, CPTI and EIP ?
The PLCI is the first block, open to all self-employed, with a ceiling linked to income. The CPTI is for the self-employed individual who wants to go further. The EIP is taken out through the company, which pays and deducts the premiums, within the 80% rule. These schemes combine.
How is the capital taxed on payout ?
The exit taxation depends on the scheme (PLCI, CPTI or EIP), your age at retirement and your situation. It remains broadly advantageous, but it is too specific to sum up in one line. We calculate it with you, and if needed with your accountant, before any decision. (A detailed guide will soon be devoted to it.)
Can I recover the capital before retirement ?
These contracts are designed for retirement. Early withdrawal remains possible in certain cases, notably to buy or build a property, with specific conditions and taxation. We explain the rules before you commit.
Free quote
Turn your tax into retirement capital
In a few minutes, we simulate your supplementary pension and its tax advantage.