Every calculation
before you decide.
PTZ, borrowing capacity, notary fees, capital gains, rental yield. Calculations based on the legal scales in force, updated and sourced.
Zero-interest loan (PTZ)
Eligibility and maximum amount under the April 2025 reform. New builds nationwide, older homes with works in zones B2 and C.
Borrowing capacity
4 scenarios, adjustable rate, cautious scenario with the rate raised by 2 points. Your full purchase budget.
Notary fees
Registration duties, notary emoluments, disbursements. The full breakdown, existing or new off-plan (VEFA).
Net seller proceeds
What you really pocket once the commission, the outstanding loan capital and the costs are deducted.
Capital gains tax
Holding-period allowances, income tax, social levies, surtax.
Rental yield
Gross yield, net yield and monthly cash flow on your rental investment.
Rental taxation
Micro-foncier or actual-cost, micro-BIC or actual-cost LMNP with depreciation. The regime that costs you the least tax.
Tax optimization
Denormandie, LMNP, property deficit. Which scheme fits your situation.
Transfer duties
Existing or new off-plan (VEFA), primary residence, first-time buyer regime, under the French Tax Code schedule.
Co-ownership fees
Provisional budget, your share, works fund. Anticipate your charges.
Renovation
Renovation cost estimate by trade and finish level.
Wealth tax (IFI)
French real estate wealth tax, scale, entry rebate, main-home allowance.
All simulations are indicative and non-contractual. They rely on the legal scales cited on each simulator page and do not replace personalized advice from a notary, banker or chartered accountant.