{"id":935,"date":"2022-02-11T13:29:05","date_gmt":"2022-02-11T12:29:05","guid":{"rendered":"https:\/\/www.wiredcpa.com\/?p=935"},"modified":"2022-02-11T13:29:05","modified_gmt":"2022-02-11T12:29:05","slug":"plans-depargne-entreprise-jusqua-9-000-e-de-revenu-supplementaire-net-dimpots-et-de-charges-sociales","status":"publish","type":"post","link":"https:\/\/www.wiredcpa.com\/fr\/plans-depargne-entreprise-jusqua-9-000-e-de-revenu-supplementaire-net-dimpots-et-de-charges-sociales\/","title":{"rendered":"Plans d&#8217;\u00e9pargne entreprise : jusqu\u2019\u00e0 9.000 \u20ac de revenu suppl\u00e9mentaire, net d\u2019imp\u00f4ts et de charges sociales"},"content":{"rendered":"<p>Le\u00a0PEI\u00a0(Plan d\u2019Epargne Interentreprises) et le\u00a0PERECOI\u00a0(Plan d\u2019\u00e9pargne retraite collectif interentreprises) sont des\u00a0plans d\u2019\u00e9pargne\u00a0auxquels peuvent adh\u00e9rer toutes les soci\u00e9t\u00e9s.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>CARACT\u00c9RISTIQUES DU PEI ET DU PERECOI<\/strong><\/p>\n<p>Le PEI est un\u00a0plan d\u2019\u00e9pargne interentreprises\u00a0\u00e0\u00a05 ans, destin\u00e9 \u00e0 r\u00e9pondre aux besoins de la vie active et \u00e0 financer ses projets \u00e0 moyen terme.<\/p>\n<p>&nbsp;<\/p>\n<p>Quant au PERECOI, il s\u2019agit d\u2019un\u00a0plan d\u2019\u00e9pargne retraite collectif\u00a0interentreprises\u00a0qui permet de se constituer un compl\u00e9ment de retraite. Les sommes investies sont donc\u00a0bloqu\u00e9es\u00a0jusqu\u2019au d\u00e9part en retraite, date \u00e0 partir de laquelle elles peuvent \u00eatre r\u00e9cup\u00e9r\u00e9es sous forme de capital ou de rente, selon ce qui est pr\u00e9vu dans le r\u00e8glement du plan.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>B\u00c9N\u00c9FICIAIRES<\/strong><\/p>\n<p>Peuvent profiter des avantages d&#8217;un PEI ou d&#8217;un PERECOI :<\/p>\n<ul>\n<li>tous les salari\u00e9s\u00a0de l&#8217;entreprise, sous r\u00e9serve le cas \u00e9ch\u00e9ant d\u2019une anciennet\u00e9 minimale de 3 mois\u00a0;<\/li>\n<li>le\u00a0chef d&#8217;entreprise\u00a0lui-m\u00eame, sous r\u00e9serve que sa soci\u00e9t\u00e9 ait employ\u00e9 au\u00a0moins\u00a01\u00a0salari\u00e9\u00a0en moyenne sur les 12 mois de l\u2019ann\u00e9e civile pr\u00e9c\u00e9dente (autre que le G\u00e9rant), et qu&#8217;elle n&#8217;ait pas d\u00e9pass\u00e9 le seuil de\u00a0250\u00a0salari\u00e9s\u00a0pendant plus de\u00a05\u00a0ann\u00e9es civiles cons\u00e9cutives\u00a0;<\/li>\n<li>le\u00a0conjoint\u00a0du chef d\u2019entreprise (mari\u00e9 ou pacs\u00e9), s\u2019il travaille au sein de l&#8217;entreprise sous le statut de\u00a0conjoint collaborateur\u00a0ou de\u00a0conjoint\u00a0associ\u00e9.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>ALIMENTATION DES PEI ET PERECOI<\/strong><\/p>\n<p>Le PEI et le PERECOI sont aliment\u00e9s par des\u00a0versements individuels volontaires\u00a0du b\u00e9n\u00e9ficiaire, lesquels d\u00e9clenchent un\u00a0versement compl\u00e9mentaire\u00a0de l&#8217;entreprise.<\/p>\n<p>A ces versements volontaires s\u2019ajoute le cas \u00e9ch\u00e9ant le versement de ses\u00a0primes de participation\u00a0et\/ou\u00a0d\u2019int\u00e9ressement, ceux-ci n\u2019\u00e9tant pas pris en compte dans le plafond de 25 % ci-dessus.<\/p>\n<p>Ensuite, pour chaque versement ainsi effectu\u00e9, l&#8217;employeur (la soci\u00e9t\u00e9) doit elle-m\u00eame effectuer un versement sur le compte du b\u00e9n\u00e9ficiaire, appel\u00e9 &#8220;abondement&#8221;, et dont le montant peut aller, selon ce qui est pr\u00e9vu dans le r\u00e8glement du plan, jusqu&#8217;\u00e0\u00a0300\u00a0%\u00a0du versement personnel effectu\u00e9 par le b\u00e9n\u00e9ficiaire, dans la limite annuelle de 8\u00a0% du plafond annuel de la S\u00e9curit\u00e9 sociale pour ce qui concerne le PEI, soit\u00a03.291 \u20ac\u00a0en\u00a02022, et de 16 % de ce m\u00eame plafond pour ce qui concerne le PERECOI, soit\u00a06.582 \u20ac.<\/p>\n<p>Cet abondement est enti\u00e8rement\u00a0d\u00e9ductible\u00a0du r\u00e9sultat de la soci\u00e9t\u00e9.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>IMP\u00d4TS ET COTISATIONS<\/strong><\/p>\n<p>Aucun imp\u00f4t ou cotisation\u00a0ne sont dus sur ces versements, hormis la\u00a0CSG\/CRDS\u00a0(9,7 %), qui doit \u00eatre retenue sur le montant de\u00a0l\u2019abondement\u00a0vers\u00e9 par l\u2019entreprise.<\/p>\n<p>Pour l&#8217;employeur n\u00e9anmoins, l&#8217;abondement sur le PERECOI est assujetti au\u00a0forfait social de 20 %.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>PR\u00c8S DE 9.000 \u20ac DE REVENU SUPPL\u00c9MENTAIRE NET D\u2019IMP\u00d4T ET DE CHARGES %<\/strong><\/p>\n<p>En versant le maximum autoris\u00e9, et avec un taux d\u2019abondement de 300 %, la combinaison des deux plans d\u2019\u00e9pargne (PEI + PERECOI) permet de se constituer une \u00e9pargne totale de\u00a012.207 \u20ac\u00a0par an, dont\u00a08.916 \u20ac\u00a0net d\u2019imp\u00f4t et de charges sociales vers\u00e9s par l\u2019entreprise et\u00a0d\u00e9ductibles\u00a0pour celles-ci.<\/p>\n<p>&nbsp;<\/p>\n<table width=\"576\">\n<tbody>\n<tr>\n<td width=\"236\"><\/td>\n<td width=\"105\">PEI<\/td>\n<td width=\"103\">PERECOI<\/td>\n<td width=\"132\">PEI+PERECOI<\/td>\n<\/tr>\n<tr>\n<td width=\"236\">Versement volontaire<\/td>\n<td width=\"105\">1.097 \u20ac<\/td>\n<td width=\"103\">2.194 \u20ac<\/td>\n<td width=\"132\">3.291 \u20ac<\/td>\n<\/tr>\n<tr>\n<td width=\"236\">Taux abondement<\/td>\n<td width=\"105\">300 %<\/td>\n<td width=\"103\">300 %<\/td>\n<td width=\"132\"><\/td>\n<\/tr>\n<tr>\n<td width=\"236\">Abondement brut<\/td>\n<td width=\"105\">3.291 \u20ac<\/td>\n<td width=\"103\">6.582 \u20ac<\/td>\n<td width=\"132\">9.873 \u20ac<\/td>\n<\/tr>\n<tr>\n<td width=\"236\">CSG\/CRDS<\/td>\n<td width=\"105\">&#8211; 319 \u20ac<\/td>\n<td width=\"103\">&#8211; 638 \u20ac<\/td>\n<td width=\"132\">&#8211; 957 \u20ac<\/td>\n<\/tr>\n<tr>\n<td width=\"236\">Abondement net<\/td>\n<td width=\"105\">2.972 \u20ac<\/td>\n<td width=\"103\">5.944 \u20ac<\/td>\n<td width=\"132\">8.916 \u20ac<\/td>\n<\/tr>\n<tr>\n<td width=\"236\">Total \u00e9pargn\u00e9<\/td>\n<td width=\"105\">4.069 \u20ac<\/td>\n<td width=\"103\">8.138 \u20ac<\/td>\n<td width=\"132\">12.207 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le\u00a0PEI\u00a0(Plan d\u2019Epargne Interentreprises) et le\u00a0PERECOI\u00a0(Plan d\u2019\u00e9pargne retraite collectif interentreprises) sont des\u00a0plans d\u2019\u00e9pargne\u00a0auxquels peuvent adh\u00e9rer toutes les soci\u00e9t\u00e9s. &nbsp; CARACT\u00c9RISTIQUES DU PEI ET DU PERECOI Le PEI est un\u00a0plan d\u2019\u00e9pargne interentreprises\u00a0\u00e0\u00a05 ans, destin\u00e9 \u00e0 r\u00e9pondre aux besoins de la vie active et \u00e0 financer ses projets \u00e0 moyen terme. &nbsp; Quant au PERECOI, il s\u2019agit d\u2019un\u00a0plan d\u2019\u00e9pargne retraite collectif\u00a0interentreprises\u00a0qui permet de se constituer un compl\u00e9ment de retraite. Les sommes investies sont donc\u00a0bloqu\u00e9es\u00a0jusqu\u2019au d\u00e9part en retraite, date \u00e0 partir de laquelle elles peuvent \u00eatre r\u00e9cup\u00e9r\u00e9es sous forme de capital ou de rente, selon ce qui est pr\u00e9vu dans le r\u00e8glement du plan. &nbsp; B\u00c9N\u00c9FICIAIRES Peuvent profiter des avantages d&#8217;un PEI ou d&#8217;un PERECOI : tous les salari\u00e9s\u00a0de l&#8217;entreprise, sous r\u00e9serve le cas \u00e9ch\u00e9ant d\u2019une anciennet\u00e9 minimale de 3 mois\u00a0; le\u00a0chef d&#8217;entreprise\u00a0lui-m\u00eame, sous r\u00e9serve que sa soci\u00e9t\u00e9 ait employ\u00e9 au\u00a0moins\u00a01\u00a0salari\u00e9\u00a0en moyenne sur les 12 mois de l\u2019ann\u00e9e civile pr\u00e9c\u00e9dente (autre que le G\u00e9rant), et qu&#8217;elle n&#8217;ait pas d\u00e9pass\u00e9 le seuil de\u00a0250\u00a0salari\u00e9s\u00a0pendant plus de\u00a05\u00a0ann\u00e9es civiles cons\u00e9cutives\u00a0; le\u00a0conjoint\u00a0du chef d\u2019entreprise (mari\u00e9 ou pacs\u00e9), s\u2019il travaille au sein de l&#8217;entreprise sous le statut de\u00a0conjoint collaborateur\u00a0ou de\u00a0conjoint\u00a0associ\u00e9. &nbsp; ALIMENTATION DES PEI ET PERECOI Le PEI et le PERECOI sont aliment\u00e9s par des\u00a0versements individuels volontaires\u00a0du b\u00e9n\u00e9ficiaire, lesquels d\u00e9clenchent [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.4.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Plans d&#039;\u00e9pargne entreprise : jusqu\u2019\u00e0 9.000 \u20ac de revenu suppl\u00e9mentaire, net d\u2019imp\u00f4ts et de charges sociales - Wired<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wiredcpa.com\/fr\/plans-depargne-entreprise-jusqua-9-000-e-de-revenu-supplementaire-net-dimpots-et-de-charges-sociales\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Plans d&#039;\u00e9pargne entreprise : jusqu\u2019\u00e0 9.000 \u20ac de revenu suppl\u00e9mentaire, net d\u2019imp\u00f4ts et de charges sociales - Wired\" \/>\n<meta property=\"og:description\" content=\"Le\u00a0PEI\u00a0(Plan d\u2019Epargne Interentreprises) et le\u00a0PERECOI\u00a0(Plan d\u2019\u00e9pargne retraite collectif interentreprises) sont des\u00a0plans d\u2019\u00e9pargne\u00a0auxquels peuvent adh\u00e9rer toutes les soci\u00e9t\u00e9s. &nbsp; CARACT\u00c9RISTIQUES DU PEI ET DU PERECOI Le PEI est un\u00a0plan d\u2019\u00e9pargne interentreprises\u00a0\u00e0\u00a05 ans, destin\u00e9 \u00e0 r\u00e9pondre aux besoins de la vie active et \u00e0 financer ses projets \u00e0 moyen terme. &nbsp; Quant au PERECOI, il s\u2019agit d\u2019un\u00a0plan d\u2019\u00e9pargne retraite collectif\u00a0interentreprises\u00a0qui permet de se constituer un compl\u00e9ment de retraite. Les sommes investies sont donc\u00a0bloqu\u00e9es\u00a0jusqu\u2019au d\u00e9part en retraite, date \u00e0 partir de laquelle elles peuvent \u00eatre r\u00e9cup\u00e9r\u00e9es sous forme de capital ou de rente, selon ce qui est pr\u00e9vu dans le r\u00e8glement du plan. &nbsp; B\u00c9N\u00c9FICIAIRES Peuvent profiter des avantages d&#8217;un PEI ou d&#8217;un PERECOI : tous les salari\u00e9s\u00a0de l&#8217;entreprise, sous r\u00e9serve le cas \u00e9ch\u00e9ant d\u2019une anciennet\u00e9 minimale de 3 mois\u00a0; le\u00a0chef d&#8217;entreprise\u00a0lui-m\u00eame, sous r\u00e9serve que sa soci\u00e9t\u00e9 ait employ\u00e9 au\u00a0moins\u00a01\u00a0salari\u00e9\u00a0en moyenne sur les 12 mois de l\u2019ann\u00e9e civile pr\u00e9c\u00e9dente (autre que le G\u00e9rant), et qu&#8217;elle n&#8217;ait pas d\u00e9pass\u00e9 le seuil de\u00a0250\u00a0salari\u00e9s\u00a0pendant plus de\u00a05\u00a0ann\u00e9es civiles cons\u00e9cutives\u00a0; le\u00a0conjoint\u00a0du chef d\u2019entreprise (mari\u00e9 ou pacs\u00e9), s\u2019il travaille au sein de l&#8217;entreprise sous le statut de\u00a0conjoint collaborateur\u00a0ou de\u00a0conjoint\u00a0associ\u00e9. &nbsp; ALIMENTATION DES PEI ET PERECOI Le PEI et le PERECOI sont aliment\u00e9s par des\u00a0versements individuels volontaires\u00a0du b\u00e9n\u00e9ficiaire, lesquels d\u00e9clenchent [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wiredcpa.com\/fr\/plans-depargne-entreprise-jusqua-9-000-e-de-revenu-supplementaire-net-dimpots-et-de-charges-sociales\/\" \/>\n<meta property=\"og:site_name\" content=\"Wired\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/wiredcpa\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-11T12:29:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wiredcpa.com\/wp-content\/uploads\/2020\/12\/wired-compta-musique.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2363\" \/>\n\t<meta property=\"og:image:height\" content=\"708\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.wiredcpa.com\/fr\/#organization\",\"name\":\"Wired Expertise Comptable - 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