A self-employed midwife in France pays contributions on non-commercial profit, including health insurance, family allowances, pension with the CARCDSF, CSG and CRDS.
Before setting up or growing the practice, it helps to know what you will actually keep.
What the simulator calculates
- Detailed social contributions
- 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). It does not cover professional practice companies. Council 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 and the 2035 return need year-round follow-up. See healthcare professionals
Frequently asked questions
Does the health insurance fund pay part of the contributions?
Yes, for midwives under the national agreement: part of the contributions is covered, under the conditions of the agreement.
Where are pension contributions paid?
To the CARCDSF, the pension fund for dentists and midwives, for basic and supplementary pensions and, under the agreement, additional old-age benefits.
Does the simulator suit locum midwives?
Yes, as long as the locum activity is carried out on a self-employed basis, under non-commercial profits.
Can I combine employed and self-employed work?
Yes. Only the self-employed part goes into this simulator: your salary follows employee rules.
Are the results reliable?
The simulator is kept up to date with French social security rules by Urssaf. It gives an estimate: Council fees, insurance contracts and your personal situation can change the final figures.