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Simulator

Compounding, wrapper by wrapper

Two people can pay in the same amount, for the same number of years, at the same return — and end up with different capital. The gap doesn't come from the market: it comes from the wrapper's annual fees and the tax due on exit. This simulator puts both lines in plain sight.

SupportPaid inFeesTaxNet final
PEA
After 5 years: no income tax, social charges still due. Cap: €150,000.
72 000 €−5 365 €−34 440 €237 792 €
Brokerage account
30% flat tax on gains. No cap.
72 000 €−5 365 €−60 069 €212 162 €
Life insurance
After 8 years: 7.5% plus social charges. Higher management fees.
72 000 €−17 543 €−43 003 €203 099 €
Crypto-assets
30% flat tax on disposal. Platform fees are often heavier.
72 000 €−24 074 €−47 928 €183 832 €
Livret A
Tax-free, but a regulated return and a €22,950 cap.
22 950 €−0 €−0 €163 997 €

This wrapper's cap was reached: contributions beyond it were not counted.

The gap between the best and worst wrapper
73 795 €

Same money, same duration, same return. Only the wrapper changes.

Educational tool with simplified assumptions: the tax rules used are those of a long exit, excluding special cases and allowances. This is not investment advice, and past returns do not predict future ones.