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Planning tool

Retirement Financial Planner

French & Colombian assets · Phase-by-phase cashflow · Die-with-zero projection

Assets

🇫🇷 French investments
— ▼
PEA 17.2% charges sociales on gains
100K
5%

Grows tax-free. Only gains taxed at withdrawal.

Assurance Vie — AV ~18% effective on gains
20K
4%

After 8 yrs: €4 600/yr gains tax-free. Above: ~18% effective.

CTO 30% PFU on gains
45K
5%

30% on realised gains. Principal tax-free.

Livret A + LDDS 100% tax-free
37K
1.75%

Not locked — available immediately alongside cash.

Cash No return, no tax
30K

Drawn first. Surplus inflow accumulates here.

🇫🇷 Total French assets

—

—

—

Weighted avg gross return

—

Passive income / yr (gross)

—

🇨🇴 Colombian investments 0 / 4 in totals
— · — ▼
🇫🇷🇨🇴

Total all assets

—

—

COP/EUR rate

4 500

🔒 Investment lock period — PEA, AV, CTO only

3 yrs

Withdrawal order: Cash → Livrets → CTO → PEA → AV

Inflation rate

2%

Compounds spending annually across all phases.

Life phases — cashflow

Departure age

Age 46

—

Phase 1 — Chômage: age 46
3 500

Phase 3 — Winding down: age 60–64
1 800
200

Partner's monthly contribution (€)

0
Phase 4 — Retirement: age 65+
1 800
200
400

French state pension from age 65

Partner's monthly contribution (€)

0

📊 Summary

Capital lasts until age

—

PEA+AV+CTO at lock-lift

—

 

 

Net burn phase 2 (avg/mo)

—

Net burn phase 3

—

Net burn phase 4 (pension)

—

⚖️ Break-even side income — Phase 2

Uniform monthly side income needed in Phase 2 to reach each target age, all else equal. Delta = difference vs your current Phase 2 avg side income.

Year-by-year breakdown

Green border = first draw from a bucket — balance shown at that moment.
YrAgeInflowSpendTaxNet flowDrawn from (shortfall)Total capital