France's regulated passbooks, the PEL home savings plan, assurance vie and other savings options: their rates, ceilings, fees and tax, and the order in which to fill them. Educational guides, with figures and sources.
Savings accounts at 1.70%, euro funds, PEA, ETFs, life insurance: where to put your money in France in 2026 depending on your horizon, and what each investment earns after inflation, fees and tax.
LDDS cap: €12,000 per person, interest on top. A 1.7% tax-free rate since August 1, 2026, half-month interest, couples, tax and solidarity donations.
France's LEP in 2026: 2.5% net, a €10,000 cap. The income ceilings (€23,028 for one share), which tax notice counts and how interest is calculated.
French PEL in 2026: a 2% rate (1.40% net), €61,200 ceiling, automatic closure at 15 years, tax, closing rules and what an old PEL is still worth.
French savings accounts in 2026: LEP at 2.5%, Livret A and LDDS at 1.7%, livret jeune, boosted accounts, term deposits and what to do once the Livret A is full.
Assurance vie in 2026: how it works, euro funds at 2.63% in 2025, unit-linked funds, fees, no ceiling, withdrawals, transfers and a child's contract.
The compound interest calculator shows what a lump sum and regular contributions become depending on the rate, the period, fees and inflation.
These guides are educational and are not personalized investment advice. Every investment other than regulated savings accounts and the euro fund carries a risk of capital loss.