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.

• Official Release: French Wealth & Tax Simulator. • Assurance-Vie: Partial surrender tax & €4,600 / €9,200 allowance calculation. • Flat Tax vs IR: 30% PFU vs Progressive scale comparator. • PER Savings: Instant tax deduction by marginal rate (TMI). • Succession: Art. 990 I & 757 B CGI tax exemption modeling. • 100% Offline: Complete privacy, no account needed.