Simulateur Crédit Immo & PEA

PASCAL Fabrice

Contains ads

About this app

Pascal Invest brings together your financial simulators in French: mortgage loans, borrowing capacity, rental yield, capital gains on real estate, PEA (French equity savings plan), savings, progressive investment (DCA), financial independence, and retirement. Reliable calculations, explained simply, no economics background required.

No account creation needed. No bank details requested. The simulators and fact sheets work entirely offline.

🏠 REAL ESTATE
- Mortgage Loan Simulator: monthly payment, total cost of credit, insurance
- Borrowing Capacity: the amount you can borrow based on your income and expenses
- Rental Yield: gross yield, net yield, and monthly cash flow
- Capital Gains Tax: tax due upon resale, including allowances for holding period

📈 SAVINGS AND INVESTMENT
- Savings Simulator: what happens to capital, with or without regular contributions, thanks to compound interest
- Savings Goal: the amount to set aside each month to reach your goal
- Gradual Decreasing Amount (DCA): investing a fixed amount, month after month
- Equity Savings Plan (PEA) Simulator: capital reached and taxation based on the plan's age
- Financial Independence: the assets needed to live off your income, and the time remaining to reach it
🧓 RETIREMENT
- Quarters accrued and pension estimate

Each result displays the assumptions used Beneath the numbers. You always know where the amount comes from and what it represents.

💡 A FINANCIAL CONCEPT PER DAY
Short, easy-to-understand fact sheets on savings, investing, real estate, taxes, and retirement: compound interest, leverage, social security contributions, holding period allowances, validated quarters…

One fact sheet is featured each day. An optional reminder, at a time of your choosing, notifies you when it's available. You can also browse all the fact sheets by category. When a fact sheet is linked to a calculation, it takes you directly to the relevant calculator.

📰 FINANCIAL NEWS
A selection of articles on savings, real estate, and taxes, taken from the website pascalinvest.fr. The latest articles remain readable offline.

✅ DESIGNED FOR USE
- Light and dark themes, depending on your Android settings
- French interface, amounts displayed in French format
- No registration, no profile, no online history
- Lightweight and fast, even on an entry-level phone

⚠️ WHAT PASCAL INVEST IS NOT
This is not an investment advisory service, a broker, or a bank. The simulators are educational tools: they apply public formulas to the assumptions you choose. The results are estimates, not commitments, and do not replace professional advice. The tax rules cited are those in effect in France and are subject to change.

The application displays advertising.

A question, a bug spotted, an idea for a simulator? Write to us at pascalinvest.fr: feedback is read and used for updates.

What’s new

Chaque simulateur s'explique désormais :
• une aide sous chaque champ, pour savoir quoi saisir et où trouver le chiffre ;
• « Comment ça marche ? », avec un exemple chiffré ;
• la lecture de vos résultats ;
• les fiches liées pour aller plus loin.