+€1,950
The senior executive
Annual income tax ≈ €15,000
Investment ~€13,050 → income tax reduction €15,000. Net gain in 12 months.
LOI GIRARDIN SIMULATOR · 2026 EDITION
The most efficient
French tax scheme in the country.
And the one your bank will never tell you about.
Calculate in 10 seconds what Loi Girardin can save you on your French income tax this year. Indicative simulation — instant result.
YOUR SIMULATION
You have reached the full-rate Girardin Industrial cap (€40,909 reduction). Above this threshold, the operation requires a DGFIP tax approval (up to €52,941) or shifts to Girardin Social Housing (up to €60,000). Discuss with an adviser.
Investment required
€21,186
Income tax reduction obtained
€25,000
Your net gain in 12 months (starting January)
+ €3,814
Get your detailed simulation by email
+ the confidential 8-page guide (worked cases, comparisons, action plan).
Indicative simulation · Average net yield 13-15 % observed on the 2024-2025 market · Not an investment recommendation.
TWO PATHS TO MOVE FORWARD
How would you like to take action?
You now know what Loi Girardin can deliver. The next step depends on your decision-making style: with an adviser or autonomously.
GUIDED PATH
Speak with an adviser
30 confidential minutes with an AMF-regulated investment adviser. Review of your situation, product recommendation, tailored action plan.
- ✓ Personalised worked simulation
- ✓ Comparison with PER, Pinel, etc.
- ✓ Clear, quantified recommendation
- ✓ No commitment
EXECUTIVES LANDING
For 41 % / 45 % brackets
Dedicated landing page for executives, expats and international professionals in the highest French income tax brackets.
- ✓ Worked profiles for €40k–€100k+ liability
- ✓ 41 % and 45 % bracket cases
- ✓ Eligibility for international profiles
- ✓ 8-page confidential guide
9/10
FRENCH TAXPAYERS LIABLE FOR MORE THAN €10,000
HAVE NEVER USED LOI GIRARDIN
HAVE NEVER USED LOI GIRARDIN
The French paradox
It is not a question of complexity — the mechanism fits on a single page. Nor is it a question of excessive risk — there are operations guaranteed by the most reputable operators on the market.
It is, almost always, a question of information. Too technical for mainstream media, too far from retail banks that prefer to sell their own products, French overseas tax planning remains one of the best-kept secrets of the French tax code.
This guide brings you up to the level of an informed investor in less than an hour of reading.
FOR WHOM?
Four profiles, one scheme
Loi Girardin is not for everyone. It becomes meaningful from €5,500 of French income tax to neutralise.
+€3,900
The liberal profession
Annual income tax ≈ €30,000
A single full-rate file. The most common situation on the market.
+€6,500
The senior partner
Annual income tax ≈ €50,000
Combination of full-rate + tax approval, or Social Housing for optimisation.
Sweet spot+€10,000
The business owner
Annual income tax ≥ €80,000
Combined Industrial + Social Housing strategy, with Bercy tax approval.
Indicative simulations — net yield 15 % (close to Q1-Q2 2026 market).
THE MECHANISM
Invest 100 and recover 110 to 135
Three steps — one simple principle: you finance a productive overseas investment, the State grants you an income tax reduction greater than your investment.
01
You subscribe
You commit approximately €85 for every €100 of targeted income tax reduction. The balance is financed by debt and, occasionally, by subsidy.
02
The operation is implemented
The portage company purchases and leases the equipment to an overseas operator for a minimum of 5 years. All security rests on the soundness of this structure.
03
You receive the reduction
The following year, your French income tax is reduced by €100. The differential — your net gain — is received in less than 18 months.
THE FULL GUIDE
Everything you need to understand.
Complimentary.
- ✓ The mechanism explained in detail (no jargon)
- ✓ 4 realistic worked cases (income tax from €15k to €80k+)
- ✓ 7 mistakes that cost tens of thousands of euros
- ✓ Rigorous PER / Pinel / FIP comparison
- ✓ The real risks — and how to neutralise them
TAKE THE LEAD
Shall we look at your situation?
A confidential 30-minute call, with no commitment, to identify what Loi Girardin can deliver for you this year.
✓ A worked simulation for your specific tax position.
✓ A comparison with your other tools (PER, etc.).
✓ A clear recommendation: relevant or not — and why.
FREQUENTLY ASKED QUESTIONS
The questions you are asking yourself
What is the minimum amount to invest?
From €5,000 of investment for a full-rate Girardin Industrial operation. The economic relevance threshold sits around €5,500 of income tax to neutralise.
Is the tax reduction guaranteed?
The reduction is legal as long as the scheme conditions are met (5-year commitment, effective operation, compliant structuring). This is precisely what the tax-completion guarantee (G3F) covers.
Can I recover my investment after 5 years?
No. The investment is consumed within the operation. Your gain consists exclusively of the delta between the income tax reduction obtained (12 to 18 months after subscription) and the amount invested.
Will the scheme be abolished?
The scheme has been extended by law until 31 December 2029. Parameter adjustments may occur each year, but a sudden abolition is politically and economically improbable.
Can I combine it with my PER?
Yes, and this is even recommended. The PER reduces taxable income, Girardin neutralises residual income tax. The two schemes are entirely independent.
When in the year should I subscribe?
As early as possible. Yields are mechanically higher in Q1-Q2 (25-35 %) than in Q4 (10-18 %), and the best files are no longer available at year-end.
I'm not a French national but pay French tax — am I eligible?
Yes. Eligibility depends on French tax residency, not nationality. International executives, foreign nationals resident in France, and French expats with retained tax ties can all subscribe to a Loi Girardin operation. The reduction is applied on your French income tax liability.
Does this work if I move abroad after subscribing?
The reduction is granted on the income tax of the year of subscription, declared the following spring. If you remain a French tax resident for the year of subscription and the year the reduction is applied, the benefit is secured. Departures planned within 24 months should be discussed with us before subscribing.
One hour of reading can save you ten thousand euros of mistakes.
The guide is complimentary. So is the conversation.