PEA withdrawal tax calculator

Sources and assumptions

• service-public.gouv.fr — F22449 — tax year 2026, verified on September 4, 2026

  Excerpt from the source : « Si vous retirez de l'argent de votre PEA (retrait ou rachat) avant les 5 ans du plan d'épargne, le gain net réalisé depuis l'ouverture du plan est imposé au taux de 12,8 %. »

• service-public.gouv.fr — F2329 — tax year 2026, verified on September 4, 2026

  Excerpt from the source : « Gain réalisé ou rente viagère versée en cas de retrait ou de clôture d'un PEA — Soumis aux prélèvements sociaux : Oui. Revenus de placements, Revenus de 2026, Cas général : Contribution sociale généralisée (CSG) 10,6 % ; Contribution au remboursement de la dette sociale (CRDS) 0,5 % ; Prélèvement de solidarité 7,5 % ; TOTAL 18,6 %. »

• service-public.gouv.fr — F22449 — tax year 2026, verified on September 4, 2026

  Excerpt from the source : « Si vous retirez de l'argent de votre PEA après 5 ans, les gains de votre PEA sont exonérés d'impôt sur le revenu. »

• service-public.gouv.fr — F2385 — tax year 2026, verified on September 4, 2026

  Excerpt from the source : « Le plafond des versements sur le PEA bancaire est de 150 000 €. Son calcul ne prend pas en compte les gains réalisés depuis l'ouverture du plan. »

• service-public.gouv.fr — F2385 — tax year 2026, verified on September 4, 2026

  Excerpt from the source : « Le plafond du PEA PME-ETI est de 225 000 €. Son calcul ne prend pas en compte les gains réalisés depuis l'ouverture du plan. »

Calculation assumptions

• Exceptions to closure and to taxation of an early withdrawal are not modelled: dismissal, category 2 or 3 disability, early retirement of the holder or their spouse, withdrawal of securities of a company in liquidation, withdrawal reinvested within 3 months to create or take over a business, death of the holder. The calculation applies the general case.
• Income from unlisted securities held in the plan is exempt only up to 10% of the amount of those investments; above that it is taxed at the flat rate even without any withdrawal. This annual taxation is not calculated here.
• Social levies are applied at the current rate on the whole gain. Historic CSG rates may apply to gains or payments predating the 2018 reform: they are not modelled, and only your financial institution knows them plan by plan.
• For a withdrawal before 5 years, the calculation applies flat-rate taxation. The option for global taxation under the progressive income tax scale, elected in the tax return and then applying to all your investment income, is not modelled.
• The calculation assumes no partial withdrawal preceded this one. After an earlier withdrawal, the share of payments already used is excluded from the total payments to enter.
• The cap is checked on the entered plan alone. The combined cap for a holder of both a classic PEA and a PEA-PME, and the specific cap of a PEA held by an adult attached to their parents' tax household, are not checked.
• A loss is quantified but never valued as a tax saving: it can be offset against gains of the same nature only after the plan is closed and all securities sold, in the year of closure and the ten following years.
• Exit as a life annuity, available after 5 years, is not calculated. That annuity is exempt from income tax but subject to social levies.