Optimize every euro of your wealth in France
53 free simulators, 200+ guides and 5 comparators to master all your investments. From life insurance to cryptocurrency, make informed decisions about saving in France.
Life Insurance
France's most popular investment. Tax-advantaged after 8 years, optimized estate planning.
PER (Retirement)
Prepare your retirement by deducting contributions from your taxable income.
Stocks & PEA
Invest in ETFs with the PEA: income tax exemption after 5 years. DCA, dividends, strategies.
Real Estate & SCPI
Paper real estate, crowdfunding, rental: invest in property the easy way.
Savings Accounts
Livret A, LDDS, LEP, PEL: rates, limits and emergency fund strategy.
Tax Optimization
Pinel, FCPI, Girardin: reduce your taxes within the cap on tax incentives.
€1.9T
Life insurance assets
10.6M
PER holders
€150,000
PEA contribution ceiling
€22,950
Livret A ceiling
4.52%
Average SCPI yield
€152,500
Life ins. estate allowance
Every investment type, one site
EpargneMalin.fr covers the entire investment spectrum for individuals in France. Each topic has dedicated simulators, in-depth guides and independent comparators.
Life Insurance & PER
The two pillars of long-term savings in France. Life insurance (assurance vie) offers flexibility and favorable estate planning. The PER lets you deduct contributions from taxable income. Our 25 simulators cover returns, tax, inheritance and optimization.
Explore life insurance & PER simulators →Stocks, PEA & ETFs
The PEA is the ideal wrapper for long-term stock investing: after 5 years, only 17.2% social contributions apply on gains. Our simulators project your capital with DCA, compare PEA vs brokerage accounts, and calculate the impact of reinvested dividends.
Discover stocks & PEA guides →Real Estate & SCPI
Invest in property without management hassle through SCPIs (average yield 4.52% in 2024). Calculate rental yield, notary fees, and compare SCPI vs direct property with our tools.
Explore real estate guides →Savings, Crypto & Tax Optimization
From the Livret A (2.5%, capital guaranteed) to cryptocurrency (30% flat tax), through tax optimization schemes (Pinel, FCPI, Girardin). Our simulators and guides cover every facet of wealth management in France.
All simulators →Independent comparators
We analyze products using objective criteria: fees, returns, available investment options. No referral commissions bias our rankings.
Who writes EpargneMalin?
Mottalib Radif
Founder of EpargneMalin.fr | INSEAD MBA
With an MBA from INSEAD, Mottalib specializes in personal finance and wealth management. He designs the simulators, writes the guides and analyzes contracts to help savers in France make informed decisions. All content conforms to official sources (BOFiP, DGFIP, Insurance Code).
How do our simulators work?
Our 53 simulators use official financial formulas and the tax schedules in force for 2026 (Finance Act 2026, income tax brackets, PER and PEA ceilings, social contributions rate of 17.2%). Each calculation is transparent: we explain the methodology and assumptions used.
Whether you want to project your PEA capital over 20 years, calculate the net return on a SCPI after fees and tax, estimate your Livret A interest, or determine the tax on your crypto capital gains, our tools give you a precise answer in seconds.
All results are estimates: future returns are uncertain, tax rules may change, and every personal situation is unique. Our simulators give you a solid foundation for informed decisions, but do not replace personalized advice from a professional.