PatrimoineVie: Wealth & Tax

Master French wealth management and tax optimization with PatrimoineVie FR, an independent financial simulation tool designed for French tax residents and global expatriates.

Whether navigating French life insurance (Assurance-Vie), retirement savings plans (PER), or estate inheritance laws, PatrimoineVie FR delivers clear, accurate calculations with 100% on-device privacy.

━━━━━━━━━━━━━━━━━━━━━━━━━━
⭐ 4 CORE FINANCIAL ENGINES
━━━━━━━━━━━━━━━━━━━━━━━━━━

1. ASSURANCE-VIE WITHDRAWAL TAXATION (French CGI Art. 125-0 A)
• Instant tax basis calculation for partial or full withdrawals.
• Annual tax allowances: €4,600 (Single) or €9,200 (Married / Civil Partners).
• Live Tax Arbitrage: Flat Tax (PFU 30% / 7.5%) vs Progressive Income Tax scale.
• Full support for pre and post-September 2017 deposit regulations.

2. 15-YEAR COMPOUND INTEREST PROJECTIONS
• Visualize exponential compound wealth growth over time.
• Dual-asset allocation slider: Guaranteed Euro Funds (2.5%) & Growth Units (7.0%).
• Year-by-year telemetry: cumulative deposits, gross gains, social charges (17.2%), and net capital.

3. ESTATE TRANSMISSION & INHERITANCE (Art. 990 I & 757 B)
• Specific €152,500 tax-free allowance per designated beneficiary for deposits made before age 70.
• Global €30,500 tax allowance for deposits made after age 70.
• Multi-beneficiary allocation modeling with instant residual tax computation.

4. PER RETIREMENT TAX DEDUCTION
• Automatic calculation of French Social Security deduction caps (PASS & 10% net income).
• Immediate income tax savings based on your Marginal Tax Bracket (11%, 30%, 41%, 45%).
• Real net saving effort calculation and projected retirement capital.

━━━━━━━━━━━━━━━━━━━━━━━━━━
🚀 ADVANCED FEATURES
━━━━━━━━━━━━━━━━━━━━━━━━━━
• Investor Persona Presets: 1-tap quick simulations (Conservative Saver, Balanced Family, High-Income TMI 41%, Senior Estate Planning).
• Smart Fiscal Guidance: Contextual tips directly referencing the French Tax Code.
• Official PDF Financial Export: Generate formatted simulation reports ready for your private banker or tax advisor.
• 12 Global Languages: English, French, German, Spanish, Italian, Portuguese, and more.
• 4 Luxury Themes: System Default, Studio Dark, Pitch Black AMOLED, and Crisp Light.

━━━━━━━━━━━━━━━━━━━━━━━━━━
🔒 PRIVACY-FIRST COMMITMENT
━━━━━━━━━━━━━━━━━━━━━━━━━━
• 100% Offline: Operates seamlessly in remote or offline environments.
• Zero Account Required: No logins, no personal data collection, zero third-party telemetry.
• Total Local Security: Your financial figures never leave your device.

Disclaimer: This application provides educational financial simulations. It does not constitute formal legal or certified investment advice.