Patrimocalc — Optimisation

🏛️ Patrimocalc — The all-in-one app for optimizing and transferring your wealth.

Designed and used by wealth management professionals, Patrimocalc brings together everything you need to manage your taxes, investments, and wealth transfer in a single, free, offline app.

⚡ FEATURES

🧮 Advanced Retirement Savings Plan (PER) Calculator
• 5 income types: salaries, pensions, business profits (BIC), non-commercial profits (BNC), agricultural profits (BA)
• Automatic 10% allowances (salaries & pensions)
• Increased PER ceiling for self-employed individuals (BIC/BNC)
• 3-year ceiling carryover
• 8 share levels + 5 special categories (single parent, widowhood, disability, dependent child)
• Family quotient ceiling
• Optimal contribution calculated to lower your marginal tax rate (TMI)

🏠 Complete Furnished Rental Property Assistant
• Simplified comparison of Actual Expenses vs. Micro-BIC in real time
• Personalized depreciation plan (building, furniture, renovations, expenses)
• Taxable income with deferred depreciation
• Automatically generated 2042 C PRO and 2031-SD tax returns
• Complete tax calendar (May 15, OGA, PAYE)

📈 Compound Interest
• Initial capital, contributions Monthly payments, rates, duration
• Differentiating curve between capital paid and interest earned
• Multiplier and effective rate of return

⚖️ Credit vs. Savings
• Total cost of credit vs. investment gain
• Monthly payment, net balance, break-even point
• Visualized leverage

🛡️ 8 real estate tax incentive schemes
• Pinel+, Denormandie, Loc'Avantages, Malraux
• Historic Monuments, Censi-Bouvard
• LMNP (furnished rental property), classic Pinel
• Impact calculation per program + BOFiP (French Official Tax Bulletin) legal sources

🔒 100% OFFLINE & GDPR-SAFE
• All calculations are performed locally
• No tax data transmitted to a server
• No account required
• Lightweight application (< 30 MB)

📋 2026 TAX SCALE
Brackets 0/11/30/41/45% PASS €47,100, half-share limit €1,759, 10% allowance. Source: DGFiP Income Tax Brochure 2026.

⚠️ Simulation tool for informational purposes only. Does not constitute personalized advice (AMF / ACPR). For a personalized assessment, consult a Wealth Management Advisor (CGP/CIF).

🇫🇷 Made in France