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Simulator LEP

Simulate your LEP (Popular Savings Account) interest. The best-paying regulated savings account for modest incomes: 2.5% rate, 10,000 euros ceiling, tax-exempt.

LEP rate: 2.5% — Updated 2026-02-01

The LEP is reserved for taxpayers whose reference tax income does not exceed certain thresholds. Here are the 2026 limits:

  • 1 tax share: 22,419 euros
  • 1.5 shares: 28,855 euros
  • 2 shares: 35,291 euros
  • 2.5 shares: 41,727 euros
  • 3 shares: 48,163 euros
  • Per additional half-share: + 6,436 euros
These thresholds are based on the reference tax income from the previous year's tax notice. Your bank automatically checks your eligibility each year.

Everything about the LEP

The LEP offers the best rate among regulated savings accounts: 2.5% in 2026. Reserved for modest incomes, it's the most advantageous savings product if you're eligible.

Why open a LEP?

  • Rate of 2.5% — the highest among regulated savings accounts in 2026
  • Interest 100% exempt from income tax and social contributions
  • State-guaranteed capital, available at any time
  • Ceiling of 10,000 euros — sufficient for an emergency fund

How does the LEP work?

The LEP works like the Livret A: fortnightly interest calculation, capitalization on December 31, full tax exemption. The specificity is that it's reserved for people whose reference tax income doesn't exceed a certain threshold. Your bank automatically checks your eligibility each year.

Maximize your savings with the LEP

If you're eligible, fill the LEP first (best rate), then the Livret A, then the LDDS. This combination lets you save up to 44,950 euros of secure and tax-exempt savings, with optimized returns.

Frequently asked questions

Answers to the most common questions about the LEP.