As an independent professional, achieving a balance between freedom and security can be challenging. Portage salarial offers a unique solution, combining the benefits of being an employee with the autonomy of being independent.
When you become a salarié porté, you set your daily rate and work with clients you choose, enjoying a certain freedom of activity. However, understanding the costs associated with this status is crucial to determine your net salary and business turnover.
Choosing the right portage company is essential to optimize your financial gains and ensure a secure status. In this article, we will examine the structure of fees and services included in portage salarial, helping you make informed decisions about your professional activity.
Table of Contents
Key Takeaways
- Understand the hybrid nature of portage salarial and its benefits.
- Learn how to determine your daily rate and manage your business turnover.
- Discover the costs associated with portage salarial.
- Find out how to choose the right portage company for your activity.
- Maximize your net salary while benefiting from the status of salarié porté.
Comprendre le Portage Salarial et Son Fonctionnement
The portage salarial system is based on a tripartite relationship between the client, the consultant, and the company providing the portage service. This setup allows professionals to work as consultants on a project basis while benefiting from certain employment rights.
Qu’est-ce que le Portage Salarial ?
Portage salarial is a form of employment that enables professionals to work independently on projects for various clients while being employed by a portage company. This company handles administrative tasks, such as billing clients and managing the consultant’s employment status. The portage salarial system provides a framework that ensures the consultant has a stable employment status while working on different projects.
It is governed by specific regulations and a collective convention that outlines the terms and conditions of this type of employment. Understanding these regulations is crucial for both the consultant and the portage company to ensure compliance and to understand their respective rights and obligations.
Le Cadre Légal et la Convention Collective
The convention collective portage and legal framework provide a solid foundation for the portage salarial system. The legal framework, established by the law of April 2, 2015, and reinforced by the ordinance of April 2, 2017, secures this form of employment. The collective portage salarial convention, signed on March 22, 2017, defines the rights and obligations of each party involved.
The framework sets minimum remuneration thresholds based on the plafond sécurité sociale. For instance, junior consultants must factur at least 70% of the plafond sécurité, while senior consultants must factur at 75%, and those on a day-rate contract at 85%. These thresholds ensure that consultants receive a minimum salary. The framework also imposes financial guarantees on portage companies, ensuring the payment of salaries even during economic difficulties.
- Le portage salarial is governed by a robust legal framework.
- The convention collective nationale defines the rights and obligations of each party.
- Minimum remuneration thresholds are based on the plafond of the social security.
Les Frais de Gestion en Portage Salarial
When it comes to portage salarial, one of the key aspects to comprehend is the frais de gestion. These fees are charged by the portage salarial company to manage various aspects of your work as a consultant.
The frais de gestion cover a range of services that are essential for your work, including administrative tasks, legal assistance, and social management. As a consultant, you can focus on your core work while your société portage takes care of these ancillary tasks.
Average Management Fee Amount
The amount of frais de gestion can vary depending on the société portage salarial you choose. Generally, these fees range between
It is essential to understand the fee structure of your entreprise portage to ensure you are getting the best service at a competitive rate.
Services Included in the Management Fees
The frais de gestion in portage salarial cover a wide range of services, including:
- Complete administrative management, including issuing invoices and following up on payments
- Social management, such as establishing work contracts and issuing pay slips
- Jurisdictional assistance, including verifying the conformity of commercial contracts
- Some companies offer additional services like access to civil liability insurance, certified training, or online management tools
- Some société portage also provide commercial support and networking opportunities
These services provide sécurité and support to consultants, allowing them to focus on their work.
For more information on how portage salarial works and its benefits, you can visit our article on portage salarial as a secure space to start.
Les Cotisations Sociales et Charges Patronales
Social contributions are a key aspect of the portage salarial system, providing a comprehensive social safety net for consultants.
Répartition des Cotisations Sociales
The social contributions in portage salarial are distributed across various systems, including the general social security scheme (CPAM), retirement pensions, unemployment benefits (Pôle emploi), family allowances (CAF), work accident and occupational disease compensation, housing allowances, and solidarity organizations.
These contributions are essential for financing the different social protection systems, ensuring that salariés portés benefit from a wide range of social benefits, including healthcare reimbursement and unemployment benefits.
| Contribution Type | Description | Benefit |
|---|---|---|
| Social Security | General social security scheme | Healthcare reimbursement |
| Retirement | Retirement pensions | Future retirement benefits |
| Unemployment | Unemployment benefits | Financial support during unemployment |
Avantages de la Protection Sociale en Portage Salarial
The social protection offered by portage salarial provides numerous advantages, including optimal health insurance through the general social security scheme, access to unemployment benefits, and comprehensive retirement coverage.
As highlighted by the benefits, « La protection sociale constitue l’un des avantages majeurs du portage salarial, offrant au consultant une couverture complète similaire à celle d’un salarié traditionnel. »
« Le portage salarial assure une couverture optimale pour la retraite, avec des cotisations aux régimes de base et complémentaires qui garantissent l’acquisition de points pour la retraite future. »
For more information on how portage salarial can provide financial freedom, visit this link.
- Optimal health insurance coverage
- Access to unemployment benefits
- Comprehensive retirement coverage
- Protection against work accidents and occupational diseases
Impact des Frais Professionnels sur le Coût du Portage Salarial
When considering portage salarial, it’s essential to understand how professional expenses can influence the total cost. The declaration of frais professionnels plays a significant role in determining the financial implications of this employment status.
Types de Frais Professionnels Déductibles
In portage salarial, various types of professional expenses can be deducted, such as travel expenses, equipment costs, and professional training fees. These deductions can significantly impact the overall cost.
- Travel expenses related to client meetings or project work
- Equipment and software necessary for professional activities
- Professional training and course fees
Exemple Concret avec et sans Frais Professionnels
Let’s consider the example of Yohann, an IT architect who factured €7,000 in chiffre d’affaires. Without declaring frais professionnels, he pays €1,017 in social contributions and €2,103 in charges patronales, resulting in a net salary of €3,753.
| Scenario | Chiffre d’Affaires | Social Contributions | Charges Patronales | Net Salary |
|---|---|---|---|---|
| Without Frais Professionnels | €7,000 | €1,017 | €2,103 | €3,753 |
| With €500 Frais Professionnels | €6,500 | €946 | €1,951 | €3,476 |
This example illustrates the impact of declaring frais professionnels on the overall cost of portage salarial. While it reduces the salaire net, it also decreases the social contributions and charges patronales.
Calcul du Salaire en Portage Salarial
The salary calculation in portage salarial is a multi-step process that involves understanding various components, including salaire net, salaire brut, and additional costs such as charges patronales and frais de gestion.
From Turnover to Net Salary
To calculate the salaire net, one must start with the annual turnover. For instance, if a consultant aims for a salaire brut of €70,000, the calculation involves adding charges patronales (52% of €70,000), resulting in €106,400. Adding €5,000 in frais professionnels gives €111,400. Then, a 7% frais de gestion is added, making the total turnover €119,785.
The daily rate can then be calculated based on the number of working days. For 218 working days, the daily rate would be €549. However, considering that not all days are worked due to prospecting and training, if the actual working days are 180, the daily rate becomes approximately €688.
A Detailed Calculation Example
Let’s consider a consultant aiming for a net salary of €3,500 per month, or €42,000 annually. The corresponding salaire brut would be around €54,000. Adding charges patronales (around 42%) gives a total employer cost of €76,680. With a 7% frais de gestion, the required annual turnover would be approximately €82,450, or €6,870 per month.
Assuming 20 working days per month and an 80% occupation rate (16 facturable days), the required daily rate would be around €430. This calculation must be adjusted based on individual circumstances, such as frais professionnels and the actual occupation rate.
Comment Déterminer son Taux Journalier Moyen (TJM)
Calculating your Taux Journalier Moyen (TJM) accurately is a critical step for consultants in portage salarial. This involves understanding various factors that influence your TJM and applying a methodical approach to determine a rate that is both competitive and reflective of your value.
Méthodes pour Fixer son TJM
To fix your TJM, you need to consider several methods. One approach is to start with your desired annual salary and work backwards, factoring in the number of working days and other expenses. Another method involves researching what clients are willing to pay for similar services in your field.
- Calculate your annual salary requirement.
- Determine your average number of working days per year.
- Research market rates for your services.
Facteurs à Prendre en Compte pour un TJM Optimal
Several strategic factors must be considered to determine an optimal TJM. Your level of expertise and specialization is a determining factor; the rarer or more specialized your skills, the higher your TJM can be. The duration of missions also influences your TJM; longer missions might justify a slight discount, while shorter, strategic missions may command a premium.
- Consider your level of expertise and specialization.
- Assess the duration and strategic value of missions.
- Evaluate the sector and geographical location of your clients.
- Be realistic about your projected occupancy rate.
- Factor in non-billable time and potential gaps between contracts.
For more insights on how portage salarial compares to other professional arrangements, you can visit this article that provides a detailed comparison.
Conclusion : Choisir la Bonne Société de Portage Salarial
Choosing the right société de portage salarial is a critical decision that impacts your professional experience and profitability as an independent consultant.
When evaluating potential entreprises de portage, consider not just the frais de gestion, but also the transparency of their calculations and the comprehensiveness of their services. Look for a société that offers personalized support, online management tools, and legal assistance.
The portage salarial landscape is diverse, with various companies offering different services. It’s crucial to assess their experience, reputation, and membership in professional federations like the FEPS. By doing so, you can ensure a trustworthy partnership that supports your career goals.
Ultimately, the right société portage salarial will provide you with the stability and support needed to thrive as an independent professional in France.
