What income tax and social charges really take from savings in France in 2026, and what must be declared: the PFU flat tax and box 2OP, income from movable capital, foreign accounts, crypto, assurance vie tax and passing wealth on. Educational guides, backed by official texts and worked examples.
Assurance vie tax in 2026: 30% before 8 years, a €4,600 allowance then 7.5% after, social charges kept at 17.2%, and how to work out a withdrawal.
French assurance vie on death: €152,500 per beneficiary before 70, €30,500 after, spouse exempt, the beneficiary clause and what the 2027 budget changes.
France's PFU in 2026: the 31.4% flat tax, what stays at 17.2%, box 2OP vs the scale with a worked example, the 12.8% advance and foreign brokers.
Form 3916 in France: which foreign accounts to declare (bank, broker, PayPal, crypto), how to file it online, the €1,500 fines and the ten-year look-back.
Crypto tax in France in 2026: taxable events, the whole-portfolio formula, form 2086, the 31.4% flat tax, the €305 threshold and form 3916-bis.
Income from movable capital (RCM) in France in 2026: definition, examples, exemptions, the 31.4% PFU, boxes 2DC, 2TR, 2CK and the flat-rate line.
French IFI 2026: €1.3 million threshold, 0.50% to 1.50% rates, worked examples, main residence allowance, donations and the dropped unproductive wealth tax.
Reducing tax in France in 2026: the €10,000 cap, donations, household help, PER, small companies, property, Girardin industriel and Sofica, with the risks.
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.