{"id":20704,"date":"2022-11-28T16:40:46","date_gmt":"2022-11-28T15:40:46","guid":{"rendered":"https:\/\/mysavings.be\/?post_type=info&#038;p=20704"},"modified":"2022-11-28T16:40:46","modified_gmt":"2022-11-28T15:40:46","slug":"modification-de-la-fameuse-regle-des-80-et-de-lestimation-de-votre-pension-legale","status":"publish","type":"info","link":"https:\/\/mysavings.be\/fr\/infocentrum\/modification-de-la-fameuse-regle-des-80-et-de-lestimation-de-votre-pension-legale\/","title":{"rendered":"Modification de la \u00ab\u00a0fameuse\u00a0\u00bb r\u00e8gle des 80 % et de l&rsquo;estimation de votre pension l\u00e9gale"},"content":{"rendered":"<h2>R\u00e9forme de la pension l\u00e9gale des ind\u00e9pendants.<\/h2>\n<p>Dans le cadre de la r\u00e9forme des pensions l\u00e9gales, il a \u00e9t\u00e9 d\u00e9cid\u00e9 de porter progressivement la pension l\u00e9gale des ind\u00e9pendants au niveau sup\u00e9rieur de celle des salari\u00e9s d&rsquo;ici \u00e0 la mi-2021.<\/p>\n<p>En cons\u00e9quence, la pension l\u00e9gale \u00e0 imputer dans la limite des 80 % augmente \u00e9galement.<\/p>\n<p>Concr\u00e8tement, \u00e0 partir du 1er janvier 2021, les pensions l\u00e9gales doivent \u00eatre d\u00e9termin\u00e9es proportionnellement lors du calcul de la limite des 80 % :<\/p>\n<ul>\n<li>Pour les ann\u00e9es ant\u00e9rieures au 1er janvier 2021 au cours desquelles le g\u00e9rant \u00e9tait ind\u00e9pendant : application de la r\u00e8gle empirique des 25% (gel\u00e9e sur la r\u00e9mun\u00e9ration annuelle brute de l&rsquo;ann\u00e9e civile 2020 avec un minimum et un maximum annuel \u00e0 respecter).<\/li>\n<li>Autres ann\u00e9es (ann\u00e9es de travail en tant qu&#8217;employ\u00e9, ann\u00e9es en tant qu&rsquo;ind\u00e9pendant apr\u00e8s 2021) : La r\u00e8gle du 50 % s&rsquo;applique.<\/li>\n<\/ul>\n<p>La nouvelle m\u00e9thode de calcul sera appliqu\u00e9e r\u00e9troactivement \u00e0 partir de l&rsquo;ann\u00e9e de cotisation 2022.<\/p>\n<h2>Impact sur la r\u00e8gle des 80%<\/h2>\n<p>Si une entreprise ou un travailleur ind\u00e9pendant souscrit \u00e0 une assurance groupe ou un contrat de pension individuel (IPT), la limite des 80% d\u00e9termine dans quelle mesure ces co\u00fbts sont d\u00e9ductibles. Cette limite des 80 % signifie que les primes vers\u00e9es ne sont d\u00e9ductibles que dans la mesure o\u00f9 votre pension (tant l\u00e9gale que compl\u00e9mentaire) ne d\u00e9passe pas 80 % de votre dernier salaire annuel brut r\u00e9gulier.<\/p>\n<p>La formule pour ce calcul de la limite des 80 % doit donc \u00e9galement tenir compte de votre pension l\u00e9gale. \u00c9tant donn\u00e9 que la pension l\u00e9gale r\u00e9elle au cours de votre carri\u00e8re n&rsquo;est pas encore connue, l&rsquo;administration fiscale travaille avec un montant estim\u00e9. En raison de l&rsquo;augmentation de la pension l\u00e9gale \u00e0 partir de l&rsquo;ann\u00e9e d&rsquo;imposition 2022, il y aura moins de place pour l&rsquo;EIP.<\/p>\n<p>En outre, la circulaire contient quelques ambigu\u00eft\u00e9s importantes, telles que l&rsquo;applicabilit\u00e9 \u00e0 la CPTI (Convention de Pension pour Travailleur Ind\u00e9pendant). La circulaire ne s&rsquo;applique pour l&rsquo;instant qu&rsquo;\u00e0 l&rsquo;EIP, mais pourrait \u00eatre \u00e9tendue \u00e0 la CPTI \u00e9galement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00e9forme de la pension l\u00e9gale des ind\u00e9pendants. Dans le cadre de la r\u00e9forme des pensions l\u00e9gales, il a \u00e9t\u00e9 d\u00e9cid\u00e9 de porter progressivement la pension l\u00e9gale des ind\u00e9pendants au niveau sup\u00e9rieur de celle des salari\u00e9s d&rsquo;ici \u00e0 la mi-2021. En cons\u00e9quence, la pension l\u00e9gale \u00e0 imputer dans la limite des 80 % augmente \u00e9galement. Concr\u00e8tement, [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":20702,"template":"","class_list":["post-20704","info","type-info","status-publish","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Modification de la &quot;fameuse&quot; r\u00e8gle des 80 % et de l&#039;estimation de votre pension l\u00e9gale - MySavings<\/title>\n<meta name=\"description\" content=\"R\u00e9forme de la pension l\u00e9gale des ind\u00e9pendants. 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