Grow your wealth,
patiently.
Four savings vehicles selected for their returns, security and tax treatment. Choose the pace that fits your plans.
Savings calculator
Four scenarios calculated using an average net annual return of 3.5%.
Indicative simulation based on level contributions. Actual returns depend on the chosen vehicle and market conditions.
Four vehicles for every horizon.
Savings account
Instant access, guaranteed capital, interest paid annually. The most liquid solution for your rainy-day savings.
Life insurance
Secure euro fund or dynamic unit-linked options. Favourable tax treatment after eight years and optimised inheritance planning.
Equity savings plan
Invest in European equities with capital gains exempt from income tax after five years of holding.
Home savings plan
Rate guaranteed at opening to prepare a property purchase, with preferential loan eligibility after four years.
Stocks and markets
Invest in European and international markets through an ordinary securities account, with guidance from our analysts and transparent brokerage fees.
Wealth advisory
Personalised wealth review with a dedicated adviser: tax optimisation, inheritance planning, diversification and a long-term strategy tailored to your profile.
Calp wealth advisers
From opening to first contribution, in just a few minutes.
Choose the right vehicle
Interest-bearing savings account for liquidity, life insurance for tax efficiency, PEA for European markets, PEL to prepare a property purchase. Our wealth adviser helps you weigh your options free of charge.
Open your savings account online
Ten minutes on average, with identity and contact details verified by electronic signature. No entry fees and no minimum initial deposit required for the interest-bearing savings account.
Schedule your contributions
One-off or recurring contributions from your client area. Adjustable or pausable at any time, with no penalty. Interest is compounded automatically.
Track your performance in real time
A unified wealth dashboard: savings account, life insurance, PEA, PEL. Returns net of tax, projections at 5, 10 and 20 years, and customisable alerts on thresholds or maturity dates.
Online savings designed for the long term.
From a secure interest-bearing savings account to life insurance and PEA investments, Calp offers a complete range with no entry fees, unified wealth tracking and a dedicated adviser for your project.
No entry fees, no contribution fees
Your contributions are invested in full. No entry charge, no contribution fees, no switching fees on the euro fund. Optional discretionary management is billed at cost.
100% guaranteed capital on the interest-bearing savings account
The Calp savings account and the life insurance euro fund guarantee your capital. Funds are held in segregated accounts ring-fenced from the balance sheet, in line with prudential requirements.
A dedicated wealth adviser
Not an anonymous platform. You speak to a certified wealth adviser trained in taxation, inheritance planning and switching between vehicles. First appointment free, bookable from the app.
Net returns, with no embellishment
All our returns are published net of management fees and net of tax. You see what you actually receive, not a gross figure taken out of context. Audited annually by an independent firm.
European vehicles, freely chosen
PEA in European equities, life insurance with more than 80 unit-linked options selected by our committee, low-cost index ETFs. No in-house products forced on you.
Unified dashboard
Savings account, life insurance, PEA, PEL, current accounts: everything on a single screen. Projections, tax simulations, customisable alerts and accounting exports in one click.
Choosing an investment:
horizon, return, tax treatment.
Choosing a savings product means balancing three dimensions: liquidity (how quickly can you withdraw?), expected return (and its level of risk) and tax treatment (which depends on the wrapper and the holding period). No single vehicle maximises all three at once; the right approach is to diversify according to your goals: rainy-day savings, medium-term projects, retirement, inheritance.
Interest-bearing savings account: what is it for?
The interest-bearing savings account is for your rainy-day savings — typically three to six months of everyday expenses — which must remain instantly available. Guaranteed capital, interest paid every year, no risk of loss. The Calp rate is reviewed each quarter in line with market conditions and is always communicated fifteen days in advance. Once this pot is built up, it is generally more profitable to redirect subsequent contributions to an online life insurance policy or a PEA.
Online life insurance: the wealth-planning Swiss Army knife
Life insurance is the most versatile wrapper in the French landscape. You combine a euro fund (guaranteed capital, moderate but steady return) with unit-linked options (higher return, capital not guaranteed). After eight years, your withdrawals benefit from an annual allowance of €4,600 (or €9,200 for a couple) on gains, making life insurance particularly effective for preparing retirement or a long-term project. Inheritance is also optimised: €152,500 of death benefit exempt per named beneficiary.
PEA: European equities with tax exemption
The equity savings plan is the most advantageous wrapper for investing directly in European equity markets: after five years of holding, capital gains are fully exempt from income tax (only the 17.2% social levies remain due). The contribution ceiling is €150,000, and it can hold individual shares, eligible mutual funds (OPCVM) or index ETFs covering the Eurostoxx, the CAC or the DAX.
PEL: preparing your property purchase
The home savings plan combines two strengths: an interest rate guaranteed at opening, valid throughout the savings phase (generally between four and ten years), and eligibility for a preferential-rate property loan after four years. The PEL is capped at €61,200 in contributions, and the interest is taxable. Not to be confused with the CEL, which is more flexible but less rewarding. Ideal for a first-time buyer who wants to lock in the terms of a future loan today.
Everything you need to know before getting started.
01
What is the minimum amount to open an online savings account?
The Calp interest-bearing savings account opens with no minimum deposit. Life insurance starts from €50 as an initial contribution, then €25 for recurring contributions. The PEA and PEL accept a token opening of €10, since the account does not need to be funded to start the clock on its tax-seniority date.
02
Is my capital guaranteed across all savings vehicles?
The interest-bearing savings account and the life insurance euro fund guarantee your capital 100%, including compounded interest. The PEA and the unit-linked options in life insurance are subject to financial market fluctuations: they can move up or down, and capital is not guaranteed.
03
Can I withdraw my money at any time?
The interest-bearing savings account is fully available: withdrawals in under 48 hours. Life insurance allows partial or full withdrawals without closing the policy. The PEA is more restrictive: a withdrawal before five years triggers its closure and the loss of the tax benefit. The PEL requires a minimum lock-up of four years.
04
What is the tax treatment of life insurance after eight years?
Beyond eight years, withdrawals benefit from an annual allowance on gains: €4,600 for a single person, €9,200 for a couple filing jointly. Above that, the tax rate is 7.5% (up to €150,000 in contributions) or 12.8%. The 17.2% social levies remain due in all cases.
05
What return can I expect from a PEA?
The return on a PEA depends on European equity markets and your allocation. Over the past twenty years, the average annualised return of a PEA tracking the Eurostoxx 50 (dividends reinvested) has ranged between 5% and 8%. This figure is not guaranteed and capital can fall in the short term. Recommended investment horizon: at least five to eight years.
06
How does a PEL compare with life insurance for preparing a property purchase?
The PEL offers a rate guaranteed at opening and eligibility for a preferential-rate loan after four years — useful if you are certain about your project. Life insurance offers more flexibility: no low contribution ceiling, the option of more dynamic unit-linked funds, and full liquidity should your plans change. For a horizon longer than eight years, life insurance is often more profitable.
07
Does Calp charge entry or switching fees?
No entry fees, no contribution fees, no switching fees on the euro fund. Switches between unit-linked options are free (two per year included, then 0.5% beyond that). Annual management fees on the life insurance policy are 0.60% on the euro fund and 0.85% on unit-linked options — among the lowest on the market.
08
How does the online savings calculator work?
The Calp calculator projects your savings based on a monthly contribution and a term. The return used is 3.5% net per year by default — adjustable. The results are indicative: actual performance depends on the chosen vehicle, your allocation and the markets. You can refine the simulation with a wealth adviser free of charge.
Grow
your savings.
Opens in just a few minutes, with no entry fees. One-off or recurring contributions.
