Free Savings & Investment Simulators

Why use an online savings simulator?

Before subscribing to a French life insurance policy (assurance vie) or a retirement plan (PER), it is essential to project how your capital will grow over time. A savings simulator lets you visualize concretely how much your money can earn under different assumptions of returns, duration and contributions. Unlike a mental estimate, a simulator factors in the power of compound interest, applicable taxes and the management fees specific to each investment wrapper, which dramatically changes the final result.

Let's take a concrete example. A saver who contributes 200 euros per month for 25 years into a life insurance policy with a 4% net return accumulates approximately 103,000 euros, of which 43,000 euros is interest. But if they choose a contract charging 3% entry fees on each contribution, they immediately lose 6 euros per month, or 1,800 euros over the period, plus the lost returns on those amounts. In total, the difference can exceed 5,000 euros. Without a simulator, this kind of gap remains invisible to most savers.

The simulators we offer are entirely free, require no account creation and collect no personal financial data. All data you enter (amounts, durations, rates) is processed directly in your browser. Nothing is sent to our servers. This approach guarantees complete confidentiality of your wealth projections.

Understanding French investment wrappers

Assurance Vie (Life Insurance)

The French assurance vie is not just life insurance, it is the most popular investment wrapper in France, held by over 50 million contracts. It combines a tax-advantaged investment account with estate planning benefits. You can invest in guaranteed euro funds (fonds en euros) or market-linked unit-linked funds (unites de compte, or UC). After 8 years of holding, you benefit from a generous annual tax allowance of 4,600 euros on gains for a single person (9,200 euros for a couple), making it one of the most tax-efficient savings vehicles in France.

PER (Plan d'Epargne Retraite)

The PER is France's flagship retirement savings plan, introduced by the Pacte law in 2019. Contributions are deductible from your taxable income, making it especially attractive for high earners. A taxpayer in the 30% marginal tax bracket who contributes 5,000 euros per year saves 1,500 euros in income tax annually. Over 20 years, that represents 30,000 euros in tax savings, plus compound interest on the invested capital. At retirement, you can withdraw as a lump sum, an annuity, or a mix of both.

PEA (Plan d'Epargne en Actions)

The PEA is a tax-advantaged brokerage account for European stocks and ETFs, with a 150,000 euro contribution ceiling. After 5 years of holding, capital gains are exempt from income tax (only social contributions of 17.2% apply). It is the ideal wrapper for long-term equity investing in France, and an excellent vehicle for passive ETF strategies.

The reliability of our calculations

Every simulator published on EpargneMalin.fr is built on documented mathematical formulas and official tax schedules from the French Public Finance Bulletin (BOFiP) and the General Tax Code. The assumptions used are systematically displayed: return rates, inflation, tax schedule applied, fees taken into account. We update our simulators with each finance law to incorporate any changes to ceilings, rates or allowances.

It is important to remember that all simulators rely on projections and simplifying assumptions. Future returns are not guaranteed, the return rates used are historical averages that may not be repeated, and tax rules may change. The results shown are estimates intended to inform your thinking, not performance promises. For any investment decision involving significant amounts, we recommend consulting a qualified professional.