Plan your financial independence in France
The most complete wealth projection tool for France — Monte Carlo simulation, French tax wrappers (PEA, assurance-vie), real estate. 100% free, no sign-up, your data never leaves your browser.
Launch the simulator (free) →The simulator interface is currently in French. English version coming soon.
Why it stands out
🇫🇷 Real French taxes
PEA (0% income tax after 5 years), assurance-vie, flat tax, SCPI — the net return is computed from your actual asset allocation, not US assumptions.
🎲 Monte Carlo engine
500 market paths (Geometric Brownian Motion) estimate the real probability your capital survives your entire retirement horizon.
🏠 Real estate & pension
Rental property cash-flows, French state pension estimate (régime général + AGIRC-ARRCO), and the bridge between early retirement and pension age.
🔒 Private by design
No account, no server, no tracking of your financial data. Everything is stored locally in your browser.
Frequently asked questions
What is the FIRE movement?
FIRE (Financial Independence, Retire Early) is about saving aggressively and investing so your capital covers your living expenses — making work optional long before the legal retirement age. The rule of thumb: you need about 25× your annual expenses.
Is this useful if I am an expat in France?
Yes — that is exactly the point. French tax wrappers (PEA, assurance-vie) and the French pension system are very different from the US or UK. This simulator models them natively.
Is it really free?
Yes, 100% free with no sign-up. Your data stays in your browser (localStorage) and is never sent to a server.