The best Harvest Alternative Starting at €55/month

This tool accurately simulates a household’s income tax liability. It integrates various income categories (salaries, property income, business income, professional fees, agricultural income), deductible expenses, tax reductions and credits, as well as the family quotient. It is essential for measuring the annual tax burden and identifying optimization levers.

This simulator evaluates the taxable base for the Real Estate Wealth Tax (IFI) by taking into account the net value of the taxpayer’s real estate assets (held directly or via companies, primary residences with a 30% legal allowance), minus eligible debts. It estimates the tax amount due according to the applicable progressive tax brackets.

Designed to calculate the tax due upon the sale of a real estate property, this tool incorporates the acquisition price, notary fees, renovation costs, and holding period allowances applicable to both income tax and social contributions. It thereby determines the net proceeds for the seller.

This tool calculates the Free Transfer Taxes (DMTG) due during an inter vivos transfer (gift). It applies legal allowances based on the degree of kinship, progressive tax brackets, and accounts for the tax recapture of previous gifts made within the last 15 years to determine the exact cost of the wealth transfer.

A comprehensive tool for projecting estate devolution and calculating inheritance taxes. It takes into account the matrimonial regime, the presence of children or a surviving spouse, any testamentary provisions, and distributes the net estate assets to determine the share and tax liability for each heir.

Based on the French tax scale (Article 669 of the CGI) or an economic valuation, this tool determines the respective value of the usufruct and bare ownership of an asset according to the usufructuary’s age or the duration of a temporary usufruct. It is indispensable for quantifying property dismemberment strategies.

Complementary to the DMTG tool, this specific module evaluates and optimizes the tax cost of a donation (simple gift or shared gift). It helps structure the distribution of assets and integrates tax reduction mechanisms, such as conditional tax-exempt family cash gifts.

This strategic tool assesses the cash requirements of heirs to cover inheritance taxes and estate settlement fees upon death. It anticipates potential payment difficulties and helps calibrate the implementation of contingency solutions (such as death benefit insurance).

This tool calculates the Free Transfer Taxes (DMTG) due during an inter vivos transfer (gift). It applies legal allowances based on the degree of kinship, progressive tax brackets, and accounts for the tax recapture of previous gifts made within the last 15 years to determine the exact cost of the wealth transfer.

Calculates the installment amounts of a real estate loan (including amortized capital, interest, and borrower’s insurance) based on the borrowed capital, loan duration, and nominal rate. It establishes a precise amortization schedule to measure the required savings effort.

Estimates the onerous transfer taxes, the notary’s remuneration, the real estate security contribution, and the disbursements related to the acquisition of a real estate property. The tool distinguishes the applicable scales depending on whether the property is old or new.

A financial analysis tool that calculates the gross, net of charges, and net of tax profitability of a real estate investment. It integrates collected rents, condominium fees, property taxes, management fees, and the impact of taxation (property income or BIC for furnished rentals).

Simulates future retirement income based on past and projected professional careers, relying on the Individual Situation Statement (RIS). The tool estimates the overall replacement rate and identifies the income shortfall to be covered by building capital or supplementary income.

Calculates the annuity amount that can be obtained from an accumulated capital (from a retirement savings plan, life insurance, or the sale of an asset), taking into account life expectancy, mortality tables, the technical rate, and applicable taxation (onerous or gratuitous life annuity).

Projects the evolution of capital invested over the long term by leveraging the power of compounding (compound interest). It considers the initial deposit, scheduled contributions, the expected net return rate, potential inflation, and the investment duration.

Evaluates the tax and social cost when selling a company (shares) or a business goodwill. The tool integrates the various capital gains tax regimes (flat tax, progressive scale with holding period allowances) as well as favorable mechanisms (retirement departure, contribution-sale, Dutreil pact).