Free financial simulators
Borrowing capacity, mortgage, rent vs buy, PER, FIRE, budget, compound interest, rental: all our tools to manage your wealth and reach your financial goals.
Most popular
Borrowing capacity
How much can I borrow?
Access simulatorMortgage simulator
Monthly payments & amortization table
Access simulatorFIRE calculator
Early retirement & financial freedom
Access simulatorBudget simulator
Analyze your monthly budget
Access simulatorCompound interest simulator
Grow your savings
Access simulatorIncome Tax Simulator
Progressive brackets & family quotient
Access simulatorGross ↔ Net Salary
Detailed contributions breakdown
Access simulatorNotary Fees
Old and new property breakdown
Access simulatorAll simulators
(53)Status Comparator
Employee vs Self-Employed vs SASU vs EURL vs Umbrella
Compare net income of 6 professional statuses at a glance: charges, taxes, corporate tax, flat tax, social protection
- 6 statuses compared side by side
- Progressive income tax 2026
- Corporate tax + dividend flat tax
- Daily rate and social protection
PER simulator
Tax benefit & retirement capital
Calculate your annual tax savings with the Plan d'Épargne Retraite, your retirement capital and total tax savings over time.
- Tax savings based on your marginal rate
- Projected capital at retirement
- Personalized deductible ceiling
- Projection chart by age
PEA Simulator
Ceiling, 5-year taxation & CTO comparison
Simulate your French Stock Savings Plan (PEA): €150,000 contribution ceiling, taxation before/after 5 years, CTO comparison and net capital projection.
- €150,000 ceiling enforced
- Flat tax vs social charges only (5 yrs)
- Direct PEA vs CTO comparison
- Capital projection chart
CTO Simulator
Flat tax, progressive scale & PEA comparison
Simulate your Standard Brokerage Account (CTO): 30% flat tax, progressive scale, 40% dividend allowance, PEA comparison and net capital projection.
- 30% flat tax or progressive scale
- 40% dividend allowance (progressive)
- Direct CTO vs PEA comparison
- Capital projection chart
Savings Accounts: Livret A / LDDS / LEP
Interest, ceiling & inflation
Real return after inflation and comparison of regulated savings accounts
- Livret A, LDDS and LEP simulated
- Inflation impact on real returns
- Automatic ceiling management
- Comparison with PEA and CTO
DCA: Dollar Cost Averaging
DCA vs Lump Sum
Compare regular investing to lump sum investing
- DCA vs Lump Sum comparison
- Average cost basis simulated
- Volatility impact on performance
- Graphical projection over time
SCPI: Net Return
Net return after taxes
Simulate your SCPI investment after fees and taxes
- Net return after income tax & social charges
- French vs European SCPI
- Subscription fees included
- Share revaluation simulated
Rent or buy?
Break-even point & wealth
Compare both wealth trajectories: the buyer builds equity, the renter invests their down payment. Calculate the year when buying becomes more profitable.
- Buyer vs renter wealth
- Break-even point of buying
- 30-year evolution chart
- Customizable assumptions (appreciation, return)
Rental real estate simulator
Profitability & cashflow
Calculate the gross and net profitability of your rental investment, monthly cashflow and compare buying with or without a loan.
- Gross, net and net-net profitability
- Monthly cashflow after charges and loan
- Simulation with different tax regimes
- Cash purchase vs financing comparison
Inheritance tax
Estate & transmission
Estimate inheritance tax per heir based on French tax brackets. Includes allowances by family relationship and life insurance special regime.
- Progressive scale by family relationship
- Automatic allowances (child, spouse...)
- Life insurance regime before/after 70
- Effective rate and net amount transmitted
Retirement Simulator
Pension estimation & quarters
Estimate your retirement pension under the 2023 reform. Quarter calculation, penalty/bonus, and replacement rate.
- 2023 retirement reform included
- Automatic penalty and bonus
- Net replacement rate
- Legal age by birth year
Savings Goal Simulator
Reach your financial goals
Calculate how much to save monthly to reach your goal, or estimate when you'll reach it with your current savings.
- Two calculation modes
- Compound interest included
- Daily savings effort
- Estimated target date
IFI Simulator
Real Estate Wealth Tax
Calculate your IFI with the 2026 brackets. 30% main residence allowance, discount, and €1,300,000 threshold.
- 6-bracket IFI schedule
- 30% main residence allowance
- Automatic discount
- Detailed bracket breakdown
Investment Comparator
Livret A, Life Insurance, PEA, CTO, SCPI
Compare net returns after tax across 6 French investments: Livret A, LDDS, Life Insurance, PEA, CTO, and SCPI.
- 6 investments compared
- French 2026 taxation
- Net return after tax
- Automatic ranking
Real Estate Capital Gains
Calculate the tax on your sale
Calculate the capital gains tax on your property with holding period allowances. Income tax 19%, social levies 17.2%.
- Main residence fully exempt
- Income tax & social levy allowances by year
- Full exemption after 22 / 30 years
- Tax chart by holding duration
Life Insurance
Capital, tax before/after 8 years
Project your life insurance capital with euro funds and unit-linked funds, and compare taxation before and after 8 years.
- Euro funds + unit-linked funds
- Favourable tax after 8 years
- €4,600 / €9,200 couple allowance
- Capital growth chart
Dividends vs Salary
Optimize your SAS/SARL compensation
Compare salary, dividends and mix for a SAS or SARL director. Flat tax 30% or progressive income tax, including social charges.
- SAS and majority-managed SARL
- Flat tax or progressive income tax
- 3 scenarios compared
- Net income by marginal tax bracket
LMNP Simulator
Micro-BIC, actual regime, cashflow
Simulate your LMNP furnished rental investment: micro-BIC or actual regime, depreciation, cashflow and net profitability over 20 years.
- Micro-BIC vs actual regime
- Property and furniture depreciation
- Net monthly cashflow
- Wealth evolution over 20 years
Pension Quarter Buy-Back
Cost and profitability
Calculate the cost and profitability of buying back pension quarters. Includes tax deduction and return on investment calculation.
- Up to 12 quarters redeemable
- Tax deduction by marginal rate
- Monthly pension gain
- Profitability chart
Inflation & Purchasing Power
Savings erosion
Measure the impact of inflation on your savings and purchasing power over the long term. French historical data included.
- Real erosion of your savings
- Multi-amount table
- French inflation history
- Protection strategies
Cost of a Child
Monthly, annual, cumulative 0-18
Estimate the monthly and cumulative cost of raising a child based on age, city and childcare type, with family allowances deducted.
- Childcare, food, school, activities
- Paris, large city, rural
- Family allowances deducted
- Cumulative estimate over 18 years
SCI: Income Tax vs Corporate Tax
Taxation and estate planning
Compare income tax and corporate tax regimes for your SCI property company: annual taxation, net yield and estate transmission advantage with share discount.
- Income tax vs corporate tax compared
- Depreciation under corporate tax
- SCI share discount for estate planning
- Cumulative net over 20 years
PTZ: Zero-Rate Loan
Zero-Rate Loan 2026
Check eligibility and calculate your interest savings
- Automatic eligibility check
- PTZ amount calculation by zone
- Comparison with/without PTZ
- Interest savings calculated
Donation Tax
Donation tax & allowances
Allowances, progressive brackets and family gifts by relationship
- Allowances by family relationship
- Progressive brackets breakdown
- Family gifts (Sarkozy) included
- Tax detail per donor
Tax Reduction
Tax credits & incentives
Pinel, donations, home employment: optimize your tax incentives
- Multiple combinable schemes
- €10,000/€18,000 cap verified
- Uncapped deductions (donations, rental deficit)
- Total savings over time
Self-Employed (Micro)
Contributions, tax & net income
Net income after contributions, tax and CFE by activity type
- 4 activity types (BIC/BNC)
- Flat-rate tax option simulated
- ACRE first year discount
- Comparison with employee status
Umbrella Company
Daily rate → net salary
Convert your daily rate to net salary after charges and tax
- Full cascade revenue → net
- Management & business fees
- Employer & employee charges
- Comparison with self-employed
SASU / EURL / SARL
Company status comparator
Compare SASU, EURL, SARL and self-employed: social charges, corporate tax, dividends and net income
- 4 statuses compared side by side
- TNS vs employee-equivalent charges
- Corporate tax + flat tax on dividends
- Best status highlighted
Severance Pay
Legal vs contractual
Calculate your legal and contractual severance pay based on seniority
- Legal minimum per labor code
- Contractual estimate
- Tax exemption calculated
- Side-by-side comparison
Activity Bonus
Eligibility & amount
Estimate your activity bonus based on income and family situation
- Base amount by household
- Individual bonus
- Housing deduction applied
- Eligibility threshold checked
Child Support
Indicative amount per child
Estimate child support based on the official Ministry of Justice guidelines
- 3 custody types simulated
- Official ministry guidelines
- Minimum living standard deducted
- Per child and total amounts
Consumer Loan
Payments, APR & total cost
Calculate monthly payments and total cost of your personal loan
- Payment with and without insurance
- Estimated APR
- Total interest cost
- Outstanding balance chart
Leasing / PCP
Lease vs buy vs loan
Compare the total cost of leasing with buying outright or with a loan
- Lease with purchase or return
- Auto loan comparison
- Estimated resale value
- Total cost over term
Life Annuity (Viager)
Down payment, annuity & return
Calculate the down payment and monthly annuity based on life expectancy
- INSEE mortality tables
- Occupancy discount (DUH)
- Monthly annuity calculated
- Buyer's potential gain
RE Crowdfunding
Net yield after tax
Calculate the net return on your real estate crowdfunding investment
- Flat tax or progressive rate
- Annualized net yield
- Detailed tax breakdown
- Regime comparison
Capital Gains (Securities)
Stocks, PEA & allowances
Calculate the tax on your capital gains from stocks, PEA and brokerage accounts
- Flat tax vs progressive rate
- Duration allowances
- PEA before/after 5 years
- Effective tax rate
Crypto Tax
Flat tax & capital gains
Calculate the tax on your cryptocurrency capital gains
- Official disposal formula
- 30% flat tax calculated
- €305 exemption threshold
- Portfolio fraction sold
VAT calculator
Net, gross and VAT payable
Convert a net amount to gross, find the VAT collected and work out the VAT to remit at the applicable rate.
- Rates 20%, 10%, 5.5% and 2.1%
- Net ⇄ gross conversion
- VAT to remit
Cost of hiring
Employer contributions and total cost
Estimate the total cost of an employee for the employer: from net pay to fully loaded cost, employer contributions included.
- Gross, net and loaded cost
- Employer contributions itemised
- Monthly and annual cost
Break-even point
Minimum turnover and break-even day
Work out the minimum turnover needed to cover your costs and find your break-even point in days.
- Fixed and variable costs
- Break-even turnover
- Break-even point in days
Corporation tax
Rates of 15% and 25%
Work out the corporation tax owed by your company on taxable profit, at the reduced 15% rate and the standard 25% rate.
- Reduced rate 15%
- Standard rate 25%
- Net profit after tax
Self-employed contributions
Contributions for a self-employed worker
Estimate the social contributions of a self-employed worker (majority director, sole trader) and your net income.
- Contributions itemised
- Estimated net income
- Majority director and sole trader
Unemployment benefit and start-up
Keep the benefit or take the lump sum
Compare keeping your unemployment benefit alongside business income with taking the lump-sum payment when you start up.
- Keeping the benefit
- Lump-sum payment
- Comparison over time
Selling a business
Capital gain and exemptions
Work out the capital gain on selling your business and the exemptions you may qualify for.
- Business capital gain
- Small-business exemption
- Tax and social levies
Freelance day rate
From day rate to net income
Convert your average day rate into annual turnover and then into net income, based on the days you actually work.
- Day rate to annual turnover
- Adjustable working days
- Net income after contributions
Go further with Patrimoine360
Track your wealth in real time, connect your bank accounts and monitor your progress toward your financial goals.
Why use our financial simulators?
Completely free
All our simulators are accessible without registration and without commitment. No credit card required.
Tailored for France
30% flat tax, PER, life insurance, notary fees, French mortgage rates: our tools include French-specific rules.
Confidential data
Your calculations stay in your browser. No personal data is collected or shared.