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Estimate your potential
in 2 minutes.

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

PER Retirement Fees Rental property Borrowing

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 →

Rental Property Calculator — Yield & Cash-flow

Calculate the gross yield, net yield and monthly cash-flow of your rental investment. Measure the real impact of loan repayments and expenses on your profitability.

Including notary fees (~8% for older properties)
Property tax, service charges, landlord insurance, maintenance
0 if cash purchase
Investment analysis
5.6%
gross annual yield
Gross annual rent8,400 €
Net yield after expenses4.0%
Monthly cash-flow+ 50 €
Annual cash-flow+ 600 €
Monthly top-up neededSelf-financed ✓
A rental investment deserves full analysis (tax, financing, location). Book your free review →

Borrowing Capacity — Property budget

Estimate your borrowing capacity based on your income, existing commitments and desired loan term. Calculate your total property budget.

Net salary before income tax
Current loans (car, consumer) excluding future mortgage
20 yrs
2025 average: 3.2–3.8% over 20 years
Your borrowing capacity
280,000 €
total budget (loan + deposit)
Max monthly payment (35% income)1,260 €
Borrowable amount250,000 €
Personal deposit30,000 €
Total cost of credit96,000 €
Current debt ratio6.7%
These are indicative estimates. Your actual rate depends on your file. Optimise your application →

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

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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.