Free Savings Account Simulator 2026: Livret A, LDDS & LEP

Calculate the real return on your regulated savings after inflation

Parameters

Savings product

Initial capital

Ceiling: 22 950 €

Monthly contribution

Duration (years)

Inflation rate (%)

Final capital

27 219 €

after 10 years \u00b7 2.4 % Annual rate

Ceiling reached 22 950 € after 8 years. Contributions are stopped once the ceiling is reached.

Total contributed

22 950 €

Interest earned

+4 269 €

Real return

16,14 %

after inflation

Purchasing power lost

-4 890 €

vs inflation

Tax advantage

Livret A net27 219 €

Brokerage account net (30% flat tax)25 938 €

Tax saved+1 281 €

Capital projection

Why simulate your savings account?

The Livret A is France's most popular savings product, but its real return is often negative after inflation. Our simulator shows you how your savings evolve and compares different regulated accounts.

Tax-exempt

Interest on Livret A, LDDS and LEP is completely tax-free, with no social charges.

Guaranteed capital

Your capital is guaranteed by the state, with no risk of loss.

Full liquidity

Withdrawals possible at any time without fees or penalties.

Current rates and ceilings

Regulated savings account rates are set by the government and reviewed twice a year.

Livret A

2.4%

€22,950

LDDS

2.4%

€12,000

LEP

3.5%

€10,000

Livret A vs other investments

Compare the Livret A to other savings vehicles available.

Livret A / LDDS

Risk-free, tax-exempt, but return often below inflation.

Life insurance (euro funds)

Slightly higher return, favorable taxation after 8 years.

PEA (equity savings plan)

Higher potential return, capital risk, tax benefit after 5 years.

Brokerage account

No ceiling, 30% flat tax, suitable for large amounts.

Frequently asked questions

Is the Livret A really profitable?▼

The Livret A offers a guaranteed, tax-free return. However, if inflation exceeds the rate, the real return is negative: your savings lose purchasing power.

Can you have both a Livret A and LDDS?▼

Yes, you can hold both a Livret A AND an LDDS. You can only have one of each. The LDDS adds €12,000 of additional ceiling on top of the Livret A.

How is the Livret A ceiling calculated?▼

The €22,950 ceiling applies to deposits only. Capitalized interest can push the balance above this ceiling. You cannot make deposits once the ceiling is reached.

Is the LEP open to everyone?▼

No, the LEP is reserved for taxpayers whose reference income does not exceed a certain threshold (about €22,000 for a single person). Its rate is more advantageous (3.5% in 2025).