Monaco Independent Professionals & Freelancers
Monaco Self-Employed Social Charges (CAMTI & CARTI) Calculator
Calculate statutory quarterly and annual social insurance contributions for sole proprietors, independent consultants, and liberal professions in Monaco. Administered under the CAMTI (Caisse d'Assurance Maladie des Travailleurs Independants) and CARTI (Caisse Autonome de Retraites des Travailleurs Independants) regimes. Features fixed contribution classes, 0% Personal Income Tax, and net income retention.
Professional Income & Contribution Class
Net earnings from trade or independent liberal practice before social dues.
CARTI allows professionals to select their retirement point acquisition tier.
Professional order membership (avocats, experts-comptables) or trade register renewal.
Statutory Dues & Retained Profit
Annual CAMTI & CARTI Charges €0.00 €0.00 per quarter
CAMTI Sickness & Maternity €0.00 Fixed quarterly healthcare tariff
CARTI Independent Pension €0.00 Retirement points earned
Net Retained Disposable Earnings €0.00 0% profit retention (0% PIT)
Independent Social Insurance Schedule
| Statutory Organization | Coverage Type | Frequency | Annual Amount (€) |
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Independent Practice Rules in Monaco (CAMTI & CARTI)
In Monaco, practicing as a self-employed professional (*profession liberale*) or operating a sole proprietorship (*en nom personnel*) requires authorization from the Direction de l'Expansion Économique.
Social Protection for the Self-Employed
- CAMTI System: Unlike systems that take a flat percentage of uncapped profit, the Monegasque CAMTI levies fixed quarterly contributions based on declared activity tiers, ensuring comprehensive healthcare, hospital, and maternity coverage across Monaco and France.
- CARTI Pension: The CARTI scheme provides independent workers with retirement points corresponding to their annual contribution tier, entitling them to a lifelong Monegasque pension.
- 0% Personal Income Tax: Independent professionals residing in Monaco pay **zero income tax** on their professional profits, enabling substantial capital reinvestment and savings.