Reducing your tax: what each scheme offers, and what it requires you to do.

Until December 31st, each payment counts towards your annual tax liability. We'll use three tools to determine your potential savings, and then we'll choose together.

Your room for maneuverYour marginal tax bracket, and what each lever can help you gain.Start the calculation

Tax savings PERWhat a payment earns you, depending on your tax bracket.Start the calculation

Girardin industrialA tax reduction greater than the amount paid, the following year.Calculate

The devices

Choose your lever.

Malraux LawRestoration in a protected area, outside the limits of the nichesSimulate →Historical monumentsExpenses deducted from total income, without limitSimulate →Jeanbrun and LLIThe successor to the Pinel scheme: amortizing unfurnished rental propertySimulate →SOFICAFunding cinema, within the increased ceiling of €18,000Simulate →Forestry GroupTax reduction, reduced wealth tax, inheritanceSimulate →

Frequently Asked Questions

What we are being asked about tax exemption.

What is the maximum amount of tax relief I can receive?

Tax reductions and credits are capped at €10,000 per household per year (Article 200-0 A of the French General Tax Code), regardless of income or number of children. This cap increases to €18,000 for the portion derived from the Girardin overseas scheme and SOFICA investments.

Several levers are excluded: payments into a PER, deducted from income, the Malraux law, historical monuments and the land deficit. Beyond €10,000 in benefits per year, they take over.

Tax deduction or tax credit: what's the difference?

A tax credit is deducted from the tax due, euro for euro: €1,000 of tax credit means €1,000 less tax, regardless of your tax bracket. A tax deduction is deducted from taxable income: it is equal to your marginal tax bracket (Article 163 quatervicies of the French General Tax Code for the PER).

10,000 euros paid into a PER saves 4,100 euros in a tranche at 41 %, 3,000 euros at 30 %, 1,100 euros at 11 %. That's why we start with the slice: it tells you which lever is working the most for you.

Malraux or historical monuments?

Both restore old buildings and are exempt from the tax break cap. The Malraux law provides a tax reduction of 22% or 30% of the work, depending on the sector, on up to €400,000 of expenses over four years (article 199 tervicies of the French General Tax Code): up to €120,000 less tax, against a nine-year lease commitment.

The historic monuments scheme allows for the deduction of renovation work from total income, without limit (Article 156 of the French General Tax Code), in exchange for a commitment to retain the property for fifteen years. The Malraux tax reduction is the same regardless of your income bracket; the historic monuments deduction is all the more valuable the higher your income bracket.

Until when can I take action this year?

Until December 31st. A payment into a PER (Retirement Savings Plan), a subscription, or work paid for in 2026 reduces the income tax for 2026, which you will declare in spring 2027: A payment made on December 30, 2026 counts in full for 2026. The next day, it counts for the following year.

Your PER (Retirement Savings Plan) limit is shown on your latest tax assessment, including any unused limits from previous years (Article 163 quatervicies of the French General Tax Code). In December, places become scarce in Girardin and Malraux schemes: it's best to decide in November.

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