Simulators

39 simulators to decide with numbers, according to the rules of 2026.

Savings, retirement, tax breaks, protection insurance, loans: each simulator puts a figure on your situation in a few fields, explains the rule behind the result and cites its article of law. The calculation runs in your browser.

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Calculatrice, tablette et carnet sur un bureau lumineux

Simulators, from assurance-vie to Lombard credit, each with the rule that underlies the calculation.

0€

all free, no sign-up needed: the calculation runs in your browser.

0min

to have a assurance-vie or PER contract x-rayed free of charge.

The simulators

Choose yours.

Diagnostics

Start by measuring.

Cost of inactionWhat inflation takes away from your savings.Tax optimisationPER, FCPI, FIP, SOFICA compared at equal amounts.PER or assurance-vieThe net capital of each wrapper, 2026 rules.Fee comparison toolWhat your assurance-vie contracts cost you over ten and twenty years.Contract X-rayUpload a statement: its fees in euros per year, read from the contract itself.

Savings and capitalisation

Six wrappers and how they are taxed on exit.

Assurance-vieCapital, capital gains and actual taxation after 8 years.Luxembourg assurance-vieCapital, gains and the security of the Triangle.Capitalisation contractSavings, taxation and inheritance.Luxembourg capitalisation contractSavings, inheritance and security.PEACapital, capital gain and tax exemption after 5 years.PEA-PMEInvesting in SMEs and mid-sized companies with reduced taxation.Securities account (CTO)Capital gains, flat tax or progressive tax scale, and difference with a PEA.

Individual retirement

What the deduction is worth at your tax bracket.

Individual PERRetirement capital and tax savings.Madelin PER (self-employed)Retirement and profit deduction.

Employee savings and company retirement plans

Eight schemes funded by the company.

PEE (company savings plan)Employer contribution and tax-exempt capital.PEIEmployee savings plans for very small and small businesses.PERCO / collective PERRetirement capital and employer matching contributions.PERCOIThe pooled group retirement plan for SMEs.Article 83 planGroup defined-contribution pension.Article 82 planSupplementary retirement plan with individual membership.Article 39 — top-hat pensionDefined-benefit life annuity.Retirement indemnities (IFC)Liability and provisioning.

Tax breaks and investment

Twelve levers, their ceilings and their trade-offs.

Jeanbrun & LLIDepreciation, VAT 10 % and tax savings.SCPIIncome, property taxation and net return.SCPI under split of ownershipBare ownership, discount and IFI.Industrial GirardinEliminate your tax liability with a net gain.FIPTax reduction for FIP Corsica and Overseas.FIP Corsica30 % tax reduction.FIP Overseas30 % tax reduction.FCPIThe tax reduction for FCPIs invested in young innovative companies.SOFICATax reduction and funding for cinema.Malraux ActTax reduction for property restoration.Historic monumentsDeduction of expenses from total income.Forestry land groupTax reduction, wealth tax and inheritance.

Protection insurance and health

Protecting the income of the self-employed worker.

Madelin protection insuranceProtection and tax savings.Madelin health insurance top-upTop-up cover and deduction.

Credit and financing

The true cost of each type of loan.

Fixed-rate loanMonthly payment and total cost.Capped variable rate loanMonthly payment and limited risk.Interest-only loanInterest, cost and leverage.Lombard loanLiquidity without selling your assets.Investment loanFinancing an investment through leverage.

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Frequently asked questions

What we are being asked to do.

Are the simulators up-to-date with the 2026 rules?

Yes: social security contributions of 18.6% on capital income and 17.2% on assurance-vie, FCPI and FIP eligible in 2026, PER ceiling calculated on the annual social security ceiling. Each page indicates the applicable rule.

Is my data being recorded?

No: the calculation is done in your browser. If you request to receive a calculation by email, your address and this calculation are transmitted to us, and nothing else, in accordance with the General Data Protection Regulation (Regulation No. 2016/679).

Is a simulator enough to make a decision?

It gives a rough idea. The decision depends on your overall situation: this is the purpose of a fixed-price wealth assessment, or a 10-minute call to determine if your case warrants one.

Have you done your calculation? Let's check that it holds true in your situation.

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