ClearMetricTools
1. Broker FX & TER 2. PEA vs CTO (2026) 3. Acc vs Dist 4. Crypto Cash-Out 5. 75/15/10 Planner🇺🇸 US Tools

2026 PEA vs. CTO Tax-Shelter Solver

Updated for the 2026 French Tax Code (PEA at 18.6% vs. CTO Flat Tax at 31.4%), including the €150k deposit cap overflow logic.

1. Investment Inputs
Initial Deposit€15,000
Monthly DCA€800 / mo
Horizon (5+ Yrs = 18.6% PEA Tax)20 Years
Gross Market Return9.0%
2. ETF TER Offset
PEA ETF TER (e.g. WPEA)0.20%
CTO ETF TER (e.g. VUAA)0.07%
3. Net-of-Tax Audit
NET EXTRA WEALTH IN YOUR POCKET
+€0
MetricPEA (18.6%) + CTO Overflow100% CTO (31.4%)
Total Principal€0€0
Gross Portfolio€0€0
Exit Taxes Paid€0€0
Final Net Wealth€0€0
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