Discover how the Interprofessional Pension and Old-Age Insurance Fund works, a special / autonomous scheme scheme managed by CIPAV. Contribution rates, calculation rules and eligible professions.
Scheme type
Special / autonomous scheme
Legal retirement age
64 years
Average pension
€450/month
Total
22.23%
The pension scheme for many liberal professions (architects, consultants, trainers, psychologists...).
Managing organization
CIPAV
Year founded
1948
Calculation method
Points-based system
Full pension age
67 years
Full pension quarters
172
| Type | Rate | Ceiling | Description |
|---|---|---|---|
| Self-employed | 8.23% | 1 PASS | Base scheme contribution (flat rate first 2 years) |
| Self-employed | 14% | — | Supplementary scheme contribution (8 classes to choose from) |
| Total | Self-employed: 22.23% | ||
PASS 2024: 46 368 € (3 864 €/month)
Contribution classes
8 supplementary contribution classes to choose based on income.
Quarter buyback
Possibility to buy back quarters to complete career.
Gradual retirement
Possibility to combine part-time work and partial pension.
Architects, psychologists, consultants, trainers, consulting engineers, and other unregulated liberal professions.
Gross salary: 3 500 € | Career duration: 42 years
Calculate your personalized pension under CIPAV with your salary and actual situation.
Start my simulation →Data based on official 2024/2025 rates from CIPAV. The calculation example uses URSSAF rates and a 6% yield (inflation-adjusted). Actual amounts may vary based on your personal situation.
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