vestafolio

Compare final net wealth between buying a primary residence with a mortgage and renting while investing savings, over a chosen horizon, using Vestafolio's simulator API. Use when a user asks whether to buy or rent, "acheter ou louer", "est-ce rentable d'acheter ma résidence principale", rent vs b...

Simulate early retirement (FIRE) financed by invested capital for a French saver using Vestafolio's simulator API. Use when a user asks "à quel âge puis-je arrêter de travailler", "quand serai-je financièrement indépendant", at what age they can retire early, how much capital they need for FIRE, ...

Estimate the maximum mortgage a French household can borrow from income, existing charges and the HCSF 35 % debt ratio using Vestafolio's simulator API. Use when a user asks how much they can borrow, "combien puis-je emprunter", borrowing capacity (capacité d'emprunt), taux d'endettement, or what...

Determine which French business legal forms (micro-entreprise, EI, EURL, SASU, SARL, SAS, SELARL, SELAS) an entrepreneur is eligible for and get a recommendation using Vestafolio's simulator API. Use when a user asks "quel statut juridique", which legal structure to start a business in France, mi...

Compute French mortgage monthly payments (insurance included), total interest and the full amortization schedule using Vestafolio's simulator API. Use when a user asks about mortgage payments, loan cost, "quelle mensualité pour un crédit immobilier", "combien coûte un prêt de 250 000 €", amortiza...

Compute French notary fees (frais de notaire) for a property purchase — DMTO transfer taxes, notary emoluments, debours, CSI, optional mortgage fees — by department and ancien/neuf/terrain using Vestafolio's simulator API. Use when a user asks about closing costs, "combien de frais de notaire", d...

Compute French real-estate capital gains tax (impôt sur la plus-value immobilière) with holding-period abatements using Vestafolio's simulator API. Use when a user asks "plus-value immobilière", how much tax they owe when selling a property or résidence secondaire in France, about the abattement ...

Compute French income tax (impôt sur le revenu) with the 2026 progressive barème, quotient familial and décote using Vestafolio's simulator API. Use when a user asks "combien d'impôt vais-je payer", how much income tax they owe in France, their TMI (marginal tax rate), taux moyen, parts fiscales,...

Project compound-interest growth of an investment with initial capital and monthly contributions using Vestafolio's simulator API. Use when a user asks about intérêts composés, compound interest projections, how much recurring savings will grow over N years, or wants a year-by-year table of inves...

Compare LMNP furnished-rental taxation between micro-BIC and régime réel with amortization using Vestafolio's simulator API. Use when a user asks "LMNP micro-BIC ou réel", how furnished rental income is taxed in France, about the 50 % / 30 % abattement, meublé de tourisme thresholds, building/fur...

Compare micro-entreprise tax regimes (versement libératoire, barème progressif, régime réel) for a French auto-entrepreneur using Vestafolio's simulator API. Use when a user asks about micro-entreprise vs régime réel, "micro-entreprise ou société", versement libératoire eligibility, auto-entrepre...

Compare unfurnished rental taxation between micro-foncier and régime réel with déficit foncier using Vestafolio's simulator API. Use when a user asks "micro-foncier ou régime réel", how location nue rental income is taxed in France, about the 30 % abattement, the 15 000 € micro-foncier ceiling, d...

Compare PEA, CTO (compte-titres) and assurance-vie net-of-tax outcomes for a French investor using Vestafolio's simulator API. Use when a user asks which investment envelope to choose, about PEA vs CTO taxation, flat tax (PFU) on investments, assurance-vie abattement, or where to invest monthly s...

Compute gross and net rental yield and monthly cash-flow for a French buy-to-let investment from acquisition cost, rent and annual charges using Vestafolio's simulator API. Use when a user asks about rental profitability, "quelle rentabilité locative", rendement brut vs net, cash-flow of an inves...

Compare SASU (président assimilé salarié) and EURL (gérant TNS) net director income for a French solo entrepreneur using Vestafolio's simulator API. Use when a user asks "SASU ou EURL", which company structure pays more, about cotisations sociales assimilé salarié vs TNS, dividend taxation in an ...