{"id":7444,"date":"2026-10-29T17:47:01","date_gmt":"2026-10-29T16:47:01","guid":{"rendered":"https:\/\/balmontconseil.com\/?p=7444"},"modified":"2026-10-29T17:47:01","modified_gmt":"2026-10-29T16:47:01","slug":"retraite-sage-femme-liberale-carcdsf-2026-combien-combler-ecart","status":"publish","type":"post","link":"https:\/\/balmontconseil.com\/en\/blog\/retraite-sage-femme-liberale-carcdsf-2026-combien-combler-ecart\/","title":{"rendered":"What pension will a self-employed midwife receive in 2026 with a profit of \u20ac55,000, and how much must be saved to bridge the gap?"},"content":{"rendered":"
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In summary\u2026<\/h2>\n

A self-employed midwife who stands out \u20ac55,000<\/b> of profit per year (before social security contributions) for 35 years receives approximately \u20ac23,800 gross per year<\/b> (approximately \u20ac1,980 per month) from the Autonomous Pension Fund for Dental Surgeons and Midwives (CARCDSF), including basic pension scheme, supplementary pension scheme, and supplementary old-age benefits. This is 43%<\/b> of his income. To recover 70 % of his income, approximately \u20ac14,700 per year<\/b>, representing a capital of approximately \u20ac257,000<\/b> to be built up in 20 years, with an effort of approximately \u20ac8,600 per year<\/b>. The retirement savings plan (PER) deducts at least \u20ac4,710 per year<\/b> and saves \u20ac1,413 in tax: the rest goes through life insurance and real estate.<\/p>\n<\/div>\n

1. The three systems of a self-employed midwife<\/strong><\/h2>\n

Self-employed midwives are affiliated with CARCDSF, which manages three mandatory pension schemes. The pensions are cumulative, and each is calculated in the same way: number of points earned \u00d7 point value<\/b>. The contributions below are those for 2026, levied on 2025 income.<\/p>\n

\n\n\n\n\n\n\n\n
Diet<\/th>\n2026 Membership Fee<\/th>\nPoints earned per year<\/th>\nPoint value 2026<\/th>\n<\/tr>\n<\/thead>\n
Basic pension scheme for liberals<\/td>\n8.73 % of the base up to 1 annual Social Security ceiling (PASS, \u20ac48,060), then 1.87 % up to 5 PASS (\u20ac240,300)<\/td>\nUp to 557 points on the first tranche and 25 on the second, pro rata to the contribution (National Old-Age Insurance Fund for the Liberal Professions, CNAVPL)<\/td>\n\u20ac0.6599<\/td>\n<\/tr>\n
Supplementary scheme<\/td>\nPackage of \u20ac3,210.60 + \u20ac11.35 % of the plate between \u20ac31,239 (0.65 PASS) and \u20ac240,300 (5 PASS)<\/td>\n6 points for the flat rate, plus points proportional to the contribution (2025 fund memo)<\/td>\n\u20ac31.82<\/td>\n<\/tr>\n
Supplementary old-age benefits (PCV)<\/td>\n\u20ac780 per year, of which \u20ac260 is paid by the midwife and \u20ac520 by the primary health insurance funds.<\/td>\n18 points per year (2025 schedule)<\/td>\n\u20ac6.10 for points acquired since 2006 (value for 2025, assumed to be the same for 2026)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n

The midwife also contributes to the disability and death benefits scheme., \u20ac384 in 2026<\/b>. It grants access to the supplementary benefits of the fund and does not generate a retirement pension. The PCV (Personalized Care Plan) is the third tier, which many forget to include: the primary health insurance funds pay two-thirds of it. For \u20ac260 paid, the midwife acquires 18 points, equivalent to \u20ac110 of annual pension per year of contributions.<\/p>\n

Since 2026, the reform of the social security contribution base has changed the calculation: contributions are calculated on income without deduction of social security contributions<\/b>, reduced by a flat-rate allowance of 26 %. CARCDSF indicates that this reform applies to 2026 contributions and modifies their calculation; it does not detail the allowance on its public pages. We apply the allowance to the three contributions that give rise to entitlements, as a calculation assumption. For \u20ac55,000 of profit, the base is therefore \u20ac40,700<\/b>.<\/p>\n

2. At what age and after how many quarters is the full rate granted?<\/strong><\/h2>\n