🧮 Free tools

Estimate your potential
in 2 minutes.

Three interactive calculators to concretely measure what a good wealth strategy can earn you — or save you.

💰 PER calculator 🛡️ Retirement 🔍 Fee comparator
💰

PER Calculator — Immediate tax saving

The French Retirement Savings Plan (PER) lets you deduct your contributions from your taxable income. Calculate exactly how much you save this year.

Net pre-tax income shown on your tax notice
30%
0%, 11%, 30%, 41% or 45% — your applicable bracket
Within the legal cap available
Your simulation result
€1,500
saved on your next tax bill
Planned PER contribution €5,000
Your applied tax rate 30%
Immediate tax saving €1,500
Estimated legal cap €12,833
Immediate tax yield 30%
💡 These figures are indicative. For a personalised and precise simulation, book your free review →
🛡️

Retirement Calculator — Capital at 65

How much can your monthly savings generate by retirement? Measure the impact of starting earlier.

Regular monthly contributions
5%
Global-equity ETFs: ~7% · Mixed: ~4-5% · Secure: ~2-3%
Estimated capital at 65
€248,600
with €300/month for 30 years at 5%
Savings duration 30 years
Total contributions €108,000
Compounded interest €140,600
If you started 5 years earlier + €83,000
Estimated monthly income (4%) €828/month
📊 Every year lost shrinks your capital exponentially. Let's build your plan together →
🔍

Fee Comparator — What you really lose

Annual fees of 2% seem negligible. Over 20 years they can cost you more than 30% of your final capital.

2.0%
Traditional banks: 2-3% · Standard life insurance: 1.5-2.5%
20 years
Yield before management fees
Potential saving with Véloci
€38,400
saved in fees over 20 years
Your current contract (2%)€130,200
With Véloci (~0.6%)€168,600
Starting capital €50,000
Net gain with Véloci + €38,400
Fee impact (% of final capital) - 22.7%
💸 We audit your existing contracts free of charge. Request your audit →

These numbers speak to you?
Take it to practice.

A free 60-minute wealth review to turn these simulations into a real, personalised strategy.

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FR

⚠️ The simulations shown are indicative only. They do not constitute investment advice. Real results depend on many individual factors (tax situation, market evolution, actual duration, etc.). Only a personalised wealth review by an authorised advisor can establish a strategy suited to your situation. Véloci is registered with ORIAS, member of the Inovéa network.