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How to combine the status of pensioner and micro-entrepreneur?

Verified 07 September 2022 - Directorate for Legal and Administrative Information (Prime Minister)

As a retiree, you have the opportunity to become a micro-entrepreneur. We explain the conditions that must be met.

To combine your status as a pensioner with that of a micro-entrepreneur, you must meet the following conditions:

You must inform the national old-age insurance fund in writing of the resumption of a self-employed activity within one month of the resumption of activity:

You must provide the following:

  • Name and address of the company where you carry out your independent activity
  • Start date of your activity
  • Amount and nature of income from your activity and the social security schemes to which you are affiliated
  • Income Tax Credits for the Period of Service
  • Name and address of other pension organization(s) paying you a pension

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Liberalized employment-pension cumulation

You can accumulate your retirement pension and your micro-entrepreneur employment income without a limit if you meet the following conditions:

  • You have reached the legal retirement age.
  • You can justify a full career or have reached the age of full rate.
  • You have liquidated all your basic and supplementary pensions in the compulsory pension schemes of France and the foreigners and in the schemes of international organizations.

Capped employment-pension accumulation

If you do not meet the conditions for liberalized job-pension cumulation, you can combine your professional income and your pension. In this case, it must not exceed one of the following ceilings depending on your situation:

  • You are located in a rural revitalization area (ZRR: titleContent) or a priority urban area (ZUP: titleContent): the annual amount of your retirement pensions and income must not exceed €41,136.
  • You are a member of the Cnavpl: titleContent : the annual amount of your retirement pensions and income should not exceed €41,136.
  • You are a member of the Cnav: titleContent : the amount of your retirement pensions and income must not exceed €20,568.

When you exceed the threshold that corresponds to your situation, your retirement pensions are no longer paid.

FYI  

To start your micro-entrepreneur business, you need to make a application for registration.

You must report your turnover as a micro-entrepreneur. Your sales are taxed on the plan micro-fiscal taxation.

You are subject to the payment of social security contributions on your turnover as a micro-entrepreneur.

You are subject to the regime micro-social.

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