Auto-entrepreneur contributions simulator
Simulate the exact amount of your URSSAF social contributions based on your revenue, declaration frequency and ACRE eligibility.
Total contributions (annuel)
7 420 €
Per period (mensuel)
618 €
Per period (trimestriel)
1 855 €
2026 URSSAF contribution rates by activity
| Activity type | Standard rate | ACRE rate | Example (€3,000/mo) |
|---|---|---|---|
| Sale of goods (BIC) | 12,3 % | 6,2 % | 369 \u20ac |
| Service provision (BIC) | 21,2 % | 10,6 % | 636 \u20ac |
| Liberal profession (BNC) | 23,1 % | 11,6 % | 693 \u20ac |
These contributions cover health insurance, basic and supplementary retirement, family allowances, CSG/CRDS and professional training contribution. They are calculated on collected revenue and deducted monthly or quarterly. Learn more about charges
Contribution breakdown: what you actually pay
The overall social contribution rate for micro-enterprises actually combines several distinct contributions. Understanding this breakdown helps you better grasp your social rights and what each euro deducted from your revenue funds.
For a service provider (BIC) at the 21.2% rate, here is the approximate breakdown: health and maternity insurance (~6.5% of your revenue), which entitles you to healthcare reimbursements and daily allowances; basic retirement (~8.2%), which allows you to validate quarters for your pension; supplementary retirement (~1.2%); family allowances (~0.3%); and disability-death (~0.2%).
The CSG (Generalized Social Contribution) and CRDS (Contribution for Social Debt Repayment) represent about 9.1% but note: they are not calculated directly on your revenue but on a reduced base (revenue after standard deduction). The professional training contribution (CFP), collected separately, amounts to 0.1% to 0.3% depending on your activity and funds your training rights.
ACRE: 50% reduction in the first year
ACRE (Aid for Business Creation or Takeover) is a scheme that halves your social contributions during your first 4 quarters of activity. It is a considerable boost at startup, especially if you don't yet have an established client base.
To benefit, you must meet one of these conditions: be a job seeker registered with France Travail (formerly Pôle Emploi), RSA or ASS beneficiary, be between 18 and 25 years old, create in a Rural Revitalization Zone (ZRR), or be a PreParE beneficiary. The application is made directly by checking the dedicated box during your registration on the INPI one-stop shop.
Concrete example: for a BIC service provider declaring €3,000 in monthly revenue, normal contributions amount to €636 (21.2%). With ACRE, they drop to €318 (10.6%), saving €318 per month — €3,816 over the year. ACRE lasts exactly 4 calendar quarters from your activity start date. Complete ACRE guide
Monthly or quarterly: which schedule to choose?
When you register, you choose the frequency of your contribution declaration and payment: monthly or quarterly. This choice, valid for one year, is renewable and can be changed each year (before October 31 for the following year).
Monthly declaration: you declare the previous month's revenue before the last day of the following month (e.g., January revenue declared before end of February). Advantage: better cash flow management, you spread your charges. Ideal if your revenue is regular or if you prefer paying smaller amounts each month.
Quarterly declaration: you declare the past quarter's revenue at the end of January, April, July and October. Advantage: fewer administrative tasks (4 declarations instead of 12). Disadvantage: the amount due is higher at each deadline. Recommended if your activity is seasonal or if your revenue is irregular.
Learn more: Charges guide · Revenue calculator · CFE simulator