{
  "titre": "Valeur de service du point de retraite 2026 — caisses complémentaires françaises",
  "millesime": "2026",
  "source": "Qotien — référentiel qotien.fr (valeur officielle de chaque caisse, sourcée et datée)",
  "attribution": "Qotien, qotien.fr",
  "licence": "Réutilisation autorisée avec attribution (source : qotien.fr).",
  "canonical": "https://qotien.fr/valeur-point-retraite-2026",
  "nombre_de_valeurs": 23,
  "valeurs": [
    {
      "cle": "agirc_arrco_valeur_achat_point",
      "caisse": "Agirc-Arrco",
      "population": "Salariés et cadres du privé",
      "libelle": "Agirc-Arrco — valeur d'achat du point 2026",
      "valeur": 20.1877,
      "unite": "€",
      "source_url": "https://www.agirc-arrco.fr/",
      "source_legale": "Circulaire Agirc-Arrco 2025-15-DT du 23/10/2025",
      "verifie_le": "2026-05-06",
      "fiabilite": "verified_secondary",
      "regime_slug": "agirc-arrco"
    },
    {
      "cle": "agirc_arrco_valeur_service_point",
      "caisse": "Agirc-Arrco",
      "population": "Salariés et cadres du privé",
      "libelle": "Agirc-Arrco — valeur de service du point 2026",
      "valeur": 1.4386,
      "unite": "€",
      "source_url": "https://www.agirc-arrco.fr/",
      "source_legale": "Circulaire Agirc-Arrco 2025-15-DT du 23/10/2025",
      "verifie_le": "2026-05-06",
      "fiabilite": "verified_secondary",
      "regime_slug": "agirc-arrco"
    },
    {
      "cle": "ircantec_valeur_service_point",
      "caisse": "Ircantec",
      "population": "Agents non titulaires du public",
      "libelle": "Ircantec — valeur de service du point 2026",
      "valeur": 0.56053,
      "unite": "€",
      "source_url": "https://www.ircantec.retraites.fr/",
      "source_legale": "Arrêté 30/12/1970 modifié, art. 9 bis",
      "verifie_le": "2026-05-06",
      "fiabilite": "verified_secondary",
      "regime_slug": "ircantec"
    },
    {
      "cle": "carmf_asv_valeur_point",
      "caisse": "CARMF",
      "population": "Médecins libéraux",
      "libelle": "CARMF — valeur de service du point ASV à 62 ans 2026",
      "valeur": 11.82,
      "unite": "€",
      "source_url": "https://www.carmf.fr/page.php?page=cdrom/retr/retr-chiffre.htm",
      "source_legale": "CARMF — barème et valeurs de service 2026 (carmf.fr)",
      "verifie_le": "2026-08-25",
      "fiabilite": "verified_official",
      "regime_slug": "carmf"
    },
    {
      "cle": "carmf_base_valeur_point",
      "caisse": "CARMF",
      "population": "Médecins libéraux",
      "libelle": "CARMF — valeur du point du régime de base (CNAVPL) 2026",
      "valeur": 0.6599,
      "unite": "€",
      "source_url": "",
      "source_legale": "CNAVPL — valeur du point de base 2026 (cnavpl.fr)",
      "verifie_le": "2026-08-25",
      "fiabilite": "verified_official",
      "regime_slug": "carmf"
    },
    {
      "cle": "carmf_rcv_valeur_point",
      "caisse": "CARMF",
      "population": "Médecins libéraux",
      "libelle": "CARMF — valeur de service du point complémentaire (RCV) à 62 ans 2026",
      "valeur": 77.14,
      "unite": "€",
      "source_url": "https://www.carmf.fr/page.php?page=cdrom/retr/retr-chiffre.htm",
      "source_legale": "CARMF — barème et valeurs de service 2026 (carmf.fr)",
      "verifie_le": "2026-08-25",
      "fiabilite": "verified_official",
      "regime_slug": "carmf"
    },
    {
      "cle": "carpimko_asv_valeur_point",
      "caisse": "CARPIMKO",
      "population": "Infirmiers, kinés, orthophonistes…",
      "libelle": "CARPIMKO — valeur de service du point ASV 2026",
      "valeur": 1.5,
      "unite": "€",
      "source_url": "https://www.carpimko.com/je-prepare-ma-retraite/comprendre-mes-regimes-de-retraite/comment-ma-retraite-liberale-est-elle-calculee",
      "source_legale": "CARPIMKO — barème 2026 (carpimko.com)",
      "verifie_le": "2026-08-25",
      "fiabilite": "verified_official",
      "regime_slug": "carpimko"
    },
    {
      "cle": "carpimko_base_valeur_point",
      "caisse": "CARPIMKO",
      "population": "Infirmiers, kinés, orthophonistes…",
      "libelle": "CARPIMKO — valeur du point du régime de base (CNAVPL) 2026",
      "valeur": 0.6599,
      "unite": "€",
      "source_url": "",
      "source_legale": "CNAVPL — valeur du point de base 2026 (cnavpl.fr)",
      "verifie_le": "2026-08-25",
      "fiabilite": "verified_official",
      "regime_slug": "carpimko"
    },
    {
      "cle": "carpimko_comp_valeur_point",
      "caisse": "CARPIMKO",
      "population": "Infirmiers, kinés, orthophonistes…",
      "libelle": "CARPIMKO — valeur de service du point complémentaire 2026",
      "valeur": 21.48,
      "unite": "€",
      "source_url": "https://www.carpimko.com/je-prepare-ma-retraite/comprendre-mes-regimes-de-retraite/comment-ma-retraite-liberale-est-elle-calculee",
      "source_legale": "CARPIMKO — barème 2026 (carpimko.com)",
      "verifie_le": "2026-08-25",
      "fiabilite": "verified_official",
      "regime_slug": "carpimko"
    },
    {
      "cle": "carcdsf_base_valeur_point",
      "caisse": "CARCDSF",
      "population": "Chirurgiens-dentistes, sages-femmes",
      "libelle": "CARCDSF — valeur du point du régime de base (CNAVPL) 2026",
      "valeur": 0.6599,
      "unite": "€",
      "source_url": "https://www.carcdsf.fr/images/pdf/2026/Tableau%20valeur%20du%20point%20CD%202026.pdf",
      "source_legale": "CARCDSF — Tableau des valeurs de service du point 2026 (carcdsf.fr)",
      "verifie_le": "2026-05-10",
      "fiabilite": "verified_official",
      "regime_slug": "carcdsf"
    },
    {
      "cle": "carcdsf_comp_valeur_point",
      "caisse": "CARCDSF",
      "population": "Chirurgiens-dentistes, sages-femmes",
      "libelle": "CARCDSF (chirurgiens-dentistes, sages-femmes) — valeur de service du point complémentaire (RC) 2026",
      "valeur": 31.82,
      "unite": "€",
      "source_url": "https://www.carcdsf.fr/images/pdf/2026/Tableau%20valeur%20du%20point%20CD%202026.pdf",
      "source_legale": "CARCDSF — Tableau des valeurs de service du point 2026 (carcdsf.fr)",
      "verifie_le": "2026-05-10",
      "fiabilite": "verified_official",
      "regime_slug": "carcdsf"
    },
    {
      "cle": "cavec_comp_valeur_point",
      "caisse": "CAVEC",
      "population": "Experts-comptables, commissaires aux comptes",
      "libelle": "CAVEC (experts-comptables, commissaires aux comptes) — valeur de service du point complémentaire 2026",
      "valeur": 1.385,
      "unite": "€",
      "source_url": "https://www.cavec.fr/vous-etes-retraite/votre-retraite/le-calcul-de-votre-retraite/",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "cavec"
    },
    {
      "cle": "cavec_valeur_achat_point",
      "caisse": "CAVEC",
      "population": "Experts-comptables, commissaires aux comptes",
      "libelle": "CAVEC — valeur d'acquisition (coût d'achat) du point complémentaire 2026",
      "valeur": 16.63,
      "unite": "€",
      "source_url": "https://www.cavec.fr/vous-etes-retraite/votre-retraite/le-calcul-de-votre-retraite/",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "cavec"
    },
    {
      "cle": "cavp_rcr_allocation_reference",
      "caisse": "CAVP",
      "population": "Pharmaciens",
      "libelle": "CAVP (pharmaciens) — allocation de référence du régime complémentaire par répartition (€ par annuité cotisée) 2026",
      "valeur": 328.8,
      "unite": "€",
      "source_url": "https://www.cavp.fr/media/documents/Publications/2026/Les-cotisations-2026.pdf",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "cavp"
    },
    {
      "cle": "cipav_comp_valeur_service_point",
      "caisse": "CIPAV",
      "population": "Professions libérales (BNC)",
      "libelle": "CIPAV — valeur de service du point complémentaire 2026",
      "valeur": 2.89,
      "unite": "€",
      "source_url": "https://www.lacipav.fr/calcul-retraite",
      "source_legale": "CIPAV — barème 2026 (lacipav.fr)",
      "verifie_le": "2026-08-25",
      "fiabilite": "verified_official",
      "regime_slug": "cipav"
    },
    {
      "cle": "cnbf_base_pension_forfaitaire",
      "caisse": "CNBF",
      "population": "Avocats",
      "libelle": "CNBF (avocats) — pension forfaitaire de base carrière complète 2026",
      "valeur": 19154,
      "unite": "EUR/an",
      "source_url": "https://www.cnbf.fr/wp-content/uploads/2026/01/Bareme-CNBF-2026.01.01.pdf",
      "source_legale": "CNBF — barème officiel 2026 (cnbf.fr)",
      "verifie_le": "2026-05-10",
      "fiabilite": "verified_official",
      "regime_slug": "cnbf"
    },
    {
      "cle": "cnbf_comp_valeur_service_point",
      "caisse": "CNBF",
      "population": "Avocats",
      "libelle": "CNBF (avocats) — valeur de service du point complémentaire 2026",
      "valeur": 1.0262,
      "unite": "€",
      "source_url": "https://www.cnbf.fr/wp-content/uploads/2026/01/Bareme-CNBF-2026.01.01.pdf",
      "source_legale": "CNBF — barème officiel 2026 (cnbf.fr)",
      "verifie_le": "2026-05-10",
      "fiabilite": "verified_official",
      "regime_slug": "cnbf"
    },
    {
      "cle": "ircec_raap_valeur_achat_point",
      "caisse": "IRCEC",
      "population": "Artistes-auteurs",
      "libelle": "IRCEC / RAAP — valeur d'acquisition (coût d'achat) du point 2026",
      "valeur": 90.3,
      "unite": "€",
      "source_url": "https://www.ircec.fr/actualite/memo-des-valeurs-2026/",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "ircec"
    },
    {
      "cle": "ircec_raap_valeur_point",
      "caisse": "IRCEC",
      "population": "Artistes-auteurs",
      "libelle": "IRCEC / RAAP (artistes-auteurs) — valeur de service du point complémentaire 2026",
      "valeur": 9.75,
      "unite": "€",
      "source_url": "https://www.ircec.fr/actualite/memo-des-valeurs-2026/",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "ircec"
    },
    {
      "cle": "ircec_racd_valeur_achat_point",
      "caisse": "IRCEC",
      "population": "Artistes-auteurs",
      "libelle": "IRCEC / RACD — valeur d'acquisition (coût d'achat) du point 2026",
      "valeur": 4.78,
      "unite": "€",
      "source_url": "https://www.ircec.fr/actualite/memo-des-valeurs-2026/",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "ircec"
    },
    {
      "cle": "ircec_racd_valeur_point",
      "caisse": "IRCEC",
      "population": "Artistes-auteurs",
      "libelle": "IRCEC / RACD (auteurs dramatiques, compositeurs) — valeur de service du point 2026",
      "valeur": 0.421,
      "unite": "€",
      "source_url": "https://www.ircec.fr/actualite/memo-des-valeurs-2026/",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "ircec"
    },
    {
      "cle": "ircec_racl_valeur_achat_point",
      "caisse": "IRCEC",
      "population": "Artistes-auteurs",
      "libelle": "IRCEC / RACL — valeur d'acquisition (coût d'achat) du point 2026",
      "valeur": 10.304,
      "unite": "€",
      "source_url": "https://www.ircec.fr/actualite/memo-des-valeurs-2026/",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "ircec"
    },
    {
      "cle": "ircec_racl_valeur_point",
      "caisse": "IRCEC",
      "population": "Artistes-auteurs",
      "libelle": "IRCEC / RACL (auteurs lyriques, de l'écrit) — valeur de service du point 2026",
      "valeur": 0.618,
      "unite": "€",
      "source_url": "https://www.ircec.fr/actualite/memo-des-valeurs-2026/",
      "source_legale": "",
      "verifie_le": "2026-09-03",
      "fiabilite": "verified_official",
      "regime_slug": "ircec"
    }
  ],
  "historique_agirc_arrco": {
    "_description": "Évolution annuelle de la valeur de service et de la valeur d'achat (salaire de référence) du point Agirc-Arrco, 2019 → millésime courant. Série datée et sourcée (data-linkbait). Valeurs passées immuables.",
    "regime": "Agirc-Arrco",
    "source_primaire_service": "https://www.reglementation.agirc-arrco.fr (Valeur de service du point)",
    "source_primaire_achat": "https://www.reglementation.agirc-arrco.fr (Valeur d'achat du point / salaire de référence)",
    "circulaire_2026": "Agirc-Arrco 2025-15 DT du 23/10/2025 (porte les DEUX valeurs 2026)",
    "circulaire_2025": "Agirc-Arrco 2024-12 DT",
    "appui_statistique_service": "INSEE série 010593202",
    "verified_at": "2026-09-08",
    "note_2026": "Ligne 2026 alignée sur la valeur servie par le tableau principal (source unique : AGIRC_ARRCO_VALEUR_SERVICE_2026 = 1,4386). Valeur de service GELÉE au 01/11/2025 (+0 %), une première depuis la fusion de 2019.",
    "series": [
      {
        "exercice": 2019,
        "service": 1.2588,
        "achat": 17.0571
      },
      {
        "exercice": 2020,
        "service": 1.2714,
        "achat": 17.3982
      },
      {
        "exercice": 2021,
        "service": 1.2714,
        "achat": 17.3982
      },
      {
        "exercice": 2022,
        "service": 1.2841,
        "achat": 17.4316
      },
      {
        "exercice": 2023,
        "service": 1.3498,
        "achat": 18.7669
      },
      {
        "exercice": 2024,
        "service": 1.4159,
        "achat": 19.6321
      },
      {
        "exercice": 2025,
        "service": 1.4386,
        "achat": 20.1877
      },
      {
        "exercice": 2026,
        "service": 1.4386,
        "achat": 20.1877
      }
    ]
  }
}