Free simulator

Free Tax Reduction Simulator 2026

Calculate your tax reductions and optimize your tax incentives

Parameters

Annual taxable income

Tax bracket

Estimated current tax

11 286 €

Tax reduction schemes

Investment amount

Capped at €300,000

Zone

Commitment period

Annual reduction2 667 €

Annual tax savings

2 667 €

Tax reduction rate : 4.45 %

Under the ceiling

Tax before

11 286 €

Tax after

8 619 €

Total reduction

2 667 €

Total savings over duration

24 000 €

Breakdown by scheme

Scheme	Annual	Total	Ceiling
Pinel	2 667 €	24 000 €/ 9 years	10 000 €

Tax reduction ceiling

Standard ceiling: €10,000/year: 2 667 € / 10 000 €
Overseas ceiling: €18,000/year: 2 667 € / 18 000 €
Outside ceiling (donations, home employment): 0 €

Understanding tax incentives

Tax reduction schemes allow you to lower your income tax by investing in government-approved programs. The overall ceiling for tax incentives is set at €10,000 per year (€18,000 for overseas).

€10,000 ceiling

Most tax reductions are subject to the €10,000/year global ceiling (Pinel, FCPI, Censi-Bouvard...).

Outside ceiling

Some schemes are not capped: charitable donations, home employment (within certain limits).

Stackable

You can combine multiple schemes within the overall ceiling limit.

Main schemes

Pinel (new property), Denormandie (renovated existing), FIP/FCPI (venture capital), charitable donations, home employment... Each scheme has its own rules and limits.

How to optimize your tax reductions?

Start with uncapped schemes (donations, home employment) then fill the €10,000 ceiling with investments suited to your situation. Warning: don't invest just for the tax break: the underlying investment must make sense.

Frequently asked questions

What is the tax incentive ceiling?▼

The ceiling limits to €10,000 per year the total tax reductions and credits from investments (Pinel, FCPI, etc.). Some schemes like donations are outside the ceiling. Girardin benefits from a raised ceiling of €18,000.

Does Pinel still exist?▼

The Pinel scheme ended on December 31, 2024. Existing commitments continue to produce their effects. Denormandie (renovated existing) remains available with the same reduction rates.

Are donations subject to the ceiling?▼

No, charitable donations are outside the tax incentive ceiling. The reduction is 66% of the donated amount (up to 20% of taxable income), and 75% for people-aid organizations (capped at €1,000).

Is home employment capped?▼

The tax credit for home employment is 50% of expenses, up to €12,000 per year (+ €1,500 per child). This credit is outside the tax incentive ceiling.