Epargnant 3.0 : calculateurs

Epargnant 3.0

About this app

**Saver 3.0 — 17 Free Simulators to Manage Your Wealth**

Simulate your taxes, measure the impact of a PER (Retirement Savings Plan) contribution, compare PERs and life insurance, the profitability of your real estate investments, or test if your annuity will last 30 years. Saver 3.0 brings together 17 reliable calculators, based on official sources (impots.gouv.fr, INSEE, official tax brackets), with no advertising and no registration required.

**Why this app?**
Most online simulators contain errors or approximations. The goal here is simple: concrete estimates to manage your wealth, all in one place.

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🔍 ASSESSMENT
• Inflation — INSEE data since 1945. Visualize the erosion of your savings.

• Income Tax — official tax brackets, tax credit, family quotient. Unique: simultaneous multi-tier calculation, true consideration of tax allowance limits.

💸 COSTS
• Impact of fees on your investments
• Life insurance & PER fees — compare two contracts. A 1.5% difference over 25 years can represent tens of thousands of euros.

🏢 REAL ESTATE
• Mortgage loans — complete amortization table + comparison of relegated borrower's insurance.

• Rental yield
• SCPI investment yield

📊 OPTIMIZATION
• PER: tax savings — true multi-tier calculation, impact of social security contributions upon withdrawal.

PEA vs. Life Insurance vs. CTO — net capital gains compared according to duration and type of income.

• PER vs. Life Insurance — the only simulator that shows precisely when a PER contribution is beneficial.

🏆 RETIREMENT & FINANCIAL FREEDOM
• DCA & Compound Interest — the snowball effect of your regular contributions. Visualize the interest on interest!

• State Retirement Pension — based on COR rates.

• Financial Freedom Index — how many days does your net worth cover your expenses? ≥ 365 days = financial independence.

• Monte Carlo Simulation — 10,000 scenarios to test the robustness of your strategy over 30 years.

🏠 INHERITANCE
• Inheritance & Gift Tax — by relationship, allowances, optimization via life insurance.

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✓ 17 tools · 5 themes
✓ Official sources · Tax rates
✓ Export images of your simulations
✓ No registration · No advertising · 100% free

Created by Édouard Petit, author of the blog epargnant30.fr.