{"id":335,"date":"2020-09-03T00:00:00","date_gmt":"2020-09-02T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2018\/12\/03\/retraite-et-prelevement-a-la-source-comment-ca-marche\/"},"modified":"2025-07-31T09:29:20","modified_gmt":"2025-07-31T07:29:20","slug":"retraite-et-prelevement-a-la-source-comment-ca-marche","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/retraite-et-prelevement-a-la-source-comment-ca-marche\/","title":{"rendered":"Retraite et pr\u00e9l\u00e8vement \u00e0 la source : comment \u00e7a marche ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Comme pour les salaires, la r\u00e9forme fiscale avec la mise en place du pr\u00e9l\u00e8vement \u00e0 la source a synchronis\u00e9 la perception des revenus et le paiement de l'imp\u00f4t.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fini le d\u00e9calage entre perception de la retraite et paiement de l'imp\u00f4t<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les pensions de retraite et les allocations de retraite compl\u00e9mentaire sont diminu\u00e9es du montant de l'imp\u00f4t sur le revenu calcul\u00e9 en fonction des revenus de l'ann\u00e9e pr\u00e9c\u00e9dente : le paiement de l'imp\u00f4t se fera directement aupr\u00e8s de votre caisse de retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'administration a communiqu\u00e9 directement votre taux de pr\u00e9l\u00e8vement \u00e0 la source \u00e0 vos Caisses de retraite. En fonction de ce taux, celles-ci ont commenc\u00e9 \u00e0 pr\u00e9lever l'imp\u00f4t chaque mois sur votre pension d\u00e8s janvier 2019.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si par la suite, le montant de votre retraite change, vous d\u00e9clarerez vos nouveaux revenus comme chaque ann\u00e9e lors de la d\u00e9claration de printemps. Le pr\u00e9l\u00e8vement s'adapte alors automatiquement \u00e0 vos nouveaux revenus sans aucune d\u00e9marche de votre part.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nouveaux retrait\u00e9s : pensez \u00e0 faire actualiser le taux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En partant \u00e0 la retraite, vos revenus vont baisser de mani\u00e8re significative.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour \u00e9viter d'\u00eatre trop pr\u00e9lev\u00e9 (et rembours\u00e9 mais plus tard) vous devez demander une actualisation du taux aupr\u00e8s de l'administration fiscale qui tiendra compte de cette baisse de revenus. Celle-ci calculera un taux personnalis\u00e9 qui prendra en compte votre nouvelle situation, elle le communiquera \u00e0 vos caisses de retraite qui l'appliqueront dans un d\u00e9lai de 3 mois au plus tard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En attendant de recevoir ce taux, un taux neutre (fonction d'une grille pr\u00e9-\u00e9tablie) vous sera appliqu\u00e9.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A noter : Vous pouvez consulter votre taux de pr\u00e9l\u00e8vement \u00e0 la source \u00e0 tout moment en vous connectant \u00e0 votre espace particulier sur <a href=\"http:\/\/www.impots.gouv.fr\/\">www.impots.gouv.fr<\/a>.<\/p>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n       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data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/impot-prelevement-septembre\/\"\n         data-title=\"Imp\u00f4t sur le revenu : un pr\u00e9l\u00e8vement possible le 25 septembre\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        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500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/09\/impot-solde-a-payer-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/09\/impot-solde-a-payer-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/09\/impot-solde-a-payer.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Au quotidien<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Imp\u00f4t sur le revenu : un pr\u00e9l\u00e8vement possible le 25 septembre<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:18544,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/fin-tickets-papier\/&quot;,&quot;title&quot;:&quot;Fin des tickets de caisse papier&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/ticket-150x150.jpg&quot;,&quot;likes&quot;:13}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/ticket-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/ticket-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/ticket-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/ticket.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">C\u00f4t\u00e9 d\u00e9penses<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Fin des tickets de caisse papier<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:69,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser mon budget&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:116}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        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postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n         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class=\"card__submetas\">\n                                        <p class=\"card__category\">Hors-s\u00e9rie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ma\u00eetriser mon budget<\/span>\n                <\/h3>\n                                <p class=\"card__article\">G\u00e9rer son budget peut sembler fastidieux, on ne sait pas toujours comment proc\u00e9der, par o\u00f9 commencer, ni quels outils utiliser. C\u2019est pourtant particuli\u00e8rement utile pour (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:398,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/&quot;,&quot;title&quot;:&quot;Pilote Budget : une application pour mieux piloter votre budget&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-150x150.jpg&quot;,&quot;likes&quot;:51}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" 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width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Au quotidien<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Pilote Budget : une application pour mieux piloter votre budget<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" 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Fini le d\u00e9calage entre perception de la retraite et paiement de l'imp\u00f4t Les pensions de retraite et les allocations de retraite compl\u00e9mentaire sont diminu\u00e9es du montant de [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":0,"views":2566,"viewed_at":"1778468264","newsletter":"0","_yoast_wpseo_primary_category":385,"footnotes":""},"categories":[146,385,270,275],"tags":[],"class_list":["post-335","post","type-post","status-publish","format-standard","hentry","category-au-quotidien","category-cote-ressources","category-mes-moments-de-vie","category-mon-budget"],"yoast_head":"<title>Retraite et pr\u00e9l\u00e8vement \u00e0 la source : comment \u00e7a marche ? - C\u00f4t\u00e9 ressources - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Comme pour les salaires, la r\u00e9forme fiscale avec la mise en place du pr\u00e9l\u00e8vement \u00e0 la source va synchroniser la perception des revenus et le paiement de l&#039;imp\u00f4t.\" \/>\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.lesclesdelabanque.com\/particulier\/retraite-et-prelevement-a-la-source-comment-ca-marche\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retraite et pr\u00e9l\u00e8vement \u00e0 la source : comment \u00e7a marche ? 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