Some regulated liberal professions in France are covered by the Cipav for their pension, including architects, psychologists, osteopaths and several other advisory, health and built-environment professions.
Since 2023, Urssaf calculates and collects all their contributions, Cipav pension included.
What the simulator calculates
- Detailed social contributions, Cipav pension included
- Net income, before tax
- Income after French income tax
- Monthly or annual figures
- The effect of different fee and expense assumptions
The simulator covers practice in your own name (non-commercial profits), excluding micro-entreprise. It does not cover professional practice companies. Order fees are not calculated: add them to your expenses.
This official simulator is provided by Urssaf, the French social security agency (mon-entreprise.urssaf.fr). It loads from its website when you start it.
Indicative result, based on the figures entered and the rules known to date. It is no substitute for professional analysis: check your situation with a chartered accountant before deciding.
What next?
The simulator gives an order of magnitude. Bookkeeping, actual expenses, VAT and the 2035 return need year-round follow-up. See liberal professions
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Frequently asked questions
How do I know whether I am covered by the Cipav?
The Cipav now only covers a list of regulated professions, including architects, psychologists and osteopaths. Your affiliation appears on your contribution notices; if in doubt, the Cipav and Urssaf will confirm it.
What is the difference between the Cipav simulator and the liberal profession simulator?
Professions not covered by the Cipav pay pension contributions to the self-employed social security scheme: use the liberal profession simulator instead.
Cipav professional: does practising through a company change contributions?
Yes. In a professional practice company, contributions depend on pay and, where applicable, on part of the dividends. This simulator does not cover that case. See director’s pay
Cipav professional: must I charge VAT?
In principle yes, unless the VAT franchise applies because income stays below the threshold. Enter your fees excluding VAT in the simulator.
Are the Cipav contributions simulator results reliable?
The simulator is kept up to date with French social security rules by Urssaf. It gives an estimate: order fees, insurance contracts and your personal situation can change the final figures.
Architect or psychologist: does your accountant keep the books and file the 2035 return?
Yes: our accounting and tax engagement covers the bookkeeping, the 2035 return (self-employed professional income) and the anticipation of your contributions, looking at your whole situation (income, household tax). Get my free meeting and quote
Architect or psychologist already working with an accountant: how do you join us?
It is simple: you send your termination letter to your previous firm by registered post with acknowledgement of receipt (we give you an example to adapt); once our engagement letter is signed, we organise the handover of your file with them. See the steps to change accountant