PER Pension Calculator for France

Method and scope

Individual PER accumulation from voluntary payments. Monthly contributions are credited at month end. Return is an assumption after fees and before exit taxes. Contributions are not automatically treated as fully tax-deductible: use the personal deduction ceiling on your tax notice. This projection excludes tax relief, exit taxation, annuity pricing, mandatory pensions and employer-plan transfers. A projected balance is not a guaranteed pension income.

Try the starting example

Current balance: 10 000 €; Monthly contribution: 300 €; Assumed annual return (nominal): 5%; Years: 20.

Projected balance: 150 436,50 €.

Compare one assumption at a time

Only the assumed investment return changes; contribution inputs stay fixed. Check any eligibility or contribution-limit warning before using a result. A projected balance does not establish withdrawal income or tax relief. Where no editable return is supported, use the profile-specific interpretation below. These fictional scenarios use the starting inputs printed above, not your current entries in the interactive calculator.

Are you entering taxable income or the salary on your contract?

The French tax tool expects revenu net imposable after applicable deductions; it does not subtract the salary deduction again. For PER planning, use the personal deduction ceiling from your tax notice. A projected PER balance is not the cash you would receive after exit taxes.

To reproduce the table, reset the calculator, change only the named input and compare the result and any warning. Record the assumptions with your result. See worked planning examples and our calculation and correction process.

Sources and review date

• Service Public: individual PER

Rules and method reviewed 2026-11-01. Future changes are not automatically applied. Report a correction.