PEA Tax Calculator France 2026
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The PEA (Plan d'Épargne en Actions) is a tax-advantaged investment account in France designed to encourage retail investment in European equities. It is widely considered one of the best tax shelters available to French tax residents. The key feature of a PEA is its progressive tax relief: any withdrawals made before 5 years trigger account closure and are taxed at the standard flat tax rate of 30%. However, if the account is held for more than 5 years, the capital gains are completely exempt from income tax (0%), and are only subject to the 17.2% social contributions. This simulator helps you estimate your final account balance, total gains, and the tax savings achieved through holding a PEA.
🧮Methodology & Formula
Methodology & Formula
This simulator models investment growth and tax deductions using standard French financial guidelines:
- Capital Accumulation: Monthly compounded interest is calculated on the initial deposit and recurring monthly contributions over the specified holding period.
- Taxation rules: If the holding period is less than 5 years, a flat tax rate of 30% is applied to all capital gains. If the holding period is 5 years or more, the gains are exempt from income tax, and a social contribution rate of 17.2% is applied to the gains.