Optimisation Épargne.

Your savings, finally clear.

A free simulator to project your savings before taxes: contributions, extra effort, retirement withdrawals and market scenarios — all in your browser. No tax rules are modeled for the US or any other country.

Open the simulator → Learn more

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Project

Final capital, scheduled contributions, extra savings effort and a capital goal.

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Plan

Compare contribution and withdrawal scenarios, and explore the impact of selling your home. All projections are before tax.

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Stress-test

Monte-Carlo simulation: pessimistic / median / optimistic scenarios and sequence risk.

100% local, no account

No sign-up — open, simulate, export (CSV).
Your data stays with you — everything is computed in your browser; no simulation data is sent to a server.
Free — the tool is and will remain free to use.

How to read a projection

A constant-return scenario is not a forecast. Your chosen annual return is applied month by month. Monte Carlo explores variable paths, but cannot guarantee an outcome.
Fees reduce the assumed return. Inflation only indexes contributions and withdrawals when you turn those options on.
The English simulator is before tax. It does not model US or other countries’ income tax, investment tax, account benefits or home-sale tax.

These are illustrative estimates, not investment, legal or tax advice. Check the rules that apply to your situation before making decisions.

Guides & analysis

How much should you save to reach $100,000?

Amount, time, return: the three levers, with numbers.

Fees and inflation: how they affect your savings

A 20-year example and assumptions to try in the simulator.

Compound interest: how your savings grow

$10,000 over 40 years, why starting early matters, the rule of 72.

How much should you save each month for retirement?

The target to aim for and the monthly amount by age.

The 4% rule: how much can you withdraw?

Savings needed, how long they last, and the rule's limits.

Transparency & funding

How this site is funded. This site is free. Some outbound links to partners (banks, brokers, regulated institutions) are paid partner links: they are clearly labelled (“partner link”) and never influence the calculators or the educational content. No personal data is ever sold.

Investing involves risk of capital loss. Past performance does not guarantee future results. The simulator provides indicative estimates and does not constitute investment advice.