{"id":3020,"date":"2021-03-03T10:23:57","date_gmt":"2021-03-03T09:23:57","guid":{"rendered":"https:\/\/mysavings.be\/article\/calculer-la-regle-des80\/"},"modified":"2021-04-27T15:10:06","modified_gmt":"2021-04-27T13:10:06","slug":"calculer-la-regle-des80","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/eip-assurance-groupe\/article\/calculer-la-regle-des80\/","title":{"rendered":"Comment calculer la r\u00e8gle des 80% ?"},"content":{"rendered":"<p>Les primes ne sont d\u00e9ductibles dans le chef de votre soci\u00e9t\u00e9 que si elles respectent la r\u00e8gle des 80%. En fonction de divers param\u00e8tres relatifs \u00e0 votre situation personnelle, la somme de toutes vos pensions, convertie en rente, ne peut d\u00e9passer 80% de votre r\u00e9mun\u00e9ration r\u00e9guli\u00e8re annuelle brute. Ceci est la description th\u00e9orique. Comment cela se passe-t-il en pratique\u00a0? Invent\u00e9e dans les ann\u00e9es 80 et d\u00e9finie par les param\u00e8tres suivants\u00a0:<\/p>\n<ul>\n<li>R\u00e9mun\u00e9ration brute, octroy\u00e9e de mani\u00e8re r\u00e9guli\u00e8re (donc pas les tanti\u00e8mes car non r\u00e9guliers), les avantages de toute nature sont pris en compte (cotisations sociales pay\u00e9es par la soci\u00e9t\u00e9, gsm, internet, chauffage, \u00e9lectricit\u00e9, voiture de soci\u00e9t\u00e9, etc) il est pr\u00e9f\u00e9rable d\u2019attribuer l\u2019avantage sur base mensuelle si possible (Conseil\u00a0: regardez sur votre derni\u00e8re d\u00e9claration d\u2019imp\u00f4t via taxonweb.be, vous trouverez l&rsquo;information).<\/li>\n<li>Estimation de la pension l\u00e9gale (de mani\u00e8re forfaitaire, vous ne devez pas la calculer)<\/li>\n<li>D\u00e9but de carri\u00e8re au sein de votre soci\u00e9t\u00e9, en g\u00e9n\u00e9ral il s\u2019agit de la date de constitution de celle-ci.<\/li>\n<li>D\u00e9but de votre carri\u00e8re professionnelle, vous pouvez prendre en compte un maximum de 10 ann\u00e9es prest\u00e9es avant le d\u00e9but de votre activit\u00e9 au sein de votre soci\u00e9t\u00e9 actuelle pour le calcul de la r\u00e8gle des 80%.<\/li>\n<li>Vous \u00eates mari\u00e9 ou cohabitant l\u00e9gal, vous pourrez d\u00e8s lors constituez un capital pension plus important qu\u2019un c\u00e9libataire (ind\u00e9pendamment du fait que votre partenaire travaille ou non)<\/li>\n<li>Capitaux de pension d\u00e9j\u00e0 constitu\u00e9s dans le cadre de votre activit\u00e9 professionnelle<\/li>\n<li>Pension Libre Compl\u00e9mentaire pour Ind\u00e9pendants (PLCI)<\/li>\n<li>Avantages INAMI pour professions m\u00e9dicales<\/li>\n<li>Toutes les autres assurances de groupe, assurances dirigeant d\u2019entreprise, engagements individuel de pension, provisions de pension interne qui vous attribuent un capital pension<\/li>\n<\/ul>\n<p>Vous pourrez bient\u00f4t utiliser gratuitement notre simulateur ou facilitez-vous la t\u00e2che en nous envoyant les donn\u00e9es ci-dessus. Nous nous chargerons du calcul et vous enverrons une proposition concr\u00e8te aupr\u00e8s d\u2019un ou plusieurs assureurs au choix aux meilleures conditions du march\u00e9 (pas de frais d\u2019entr\u00e9e).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les primes ne sont d\u00e9ductibles dans le chef de votre soci\u00e9t\u00e9 que si elles respectent la r\u00e8gle des 80%. En fonction de divers param\u00e8tres relatifs \u00e0 votre situation personnelle, la somme de toutes vos pensions, convertie en rente, ne peut d\u00e9passer 80% de votre r\u00e9mun\u00e9ration r\u00e9guli\u00e8re annuelle brute. Ceci est la description th\u00e9orique. Comment cela [&hellip;]<\/p>\n","protected":false},"featured_media":1837,"parent":0,"menu_order":202,"template":"","class_list":["post-3020","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment calculer la r\u00e8gle des 80% ? - MySavings<\/title>\n<meta name=\"description\" content=\"Les primes ne sont d\u00e9ductibles dans le chef de votre soci\u00e9t\u00e9 que si elles respectent la r\u00e8gle des 80%. 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