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How to Pay Less Tax in France? 7 solutions for tax optimization

7 solution for tax optimization
How to Pay Less Tax in France?

Paying income taxes is a legal obligation, but there are several legal solutions to reduce income tax. We will explore various tax reduction solutions available to you to grow your savings and decrease your income tax.

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What solutions are there to pay less income tax?

Here are the 7 solutions to pay less taxes that we will explore together:

  1. Tax credits

  2. Individual Retirement Plan (PER)

  3. Pinel Law

  4. Malraux Scheme

  5. Investment in Innovative Companies (FCPI)

  6. Invest in SMEs or startups

  7. Charitable donations

The higher your income, the higher your tax percentage will be. Refer to the income tax scale to determine your tax bracket.

By utilizing tax reduction strategies, you can either lower the amount of taxes to pay or decrease your taxable income, thereby moving from a higher to a lower tax bracket.

Take advantage of deductions and tax credits

The first step to paying less income tax is to maximize the deductions and tax credits you are entitled to.

Many expenses can qualify for these tax credits, including:

  • Expenses related to domestic employment (household help)

  • Hosting elderly individuals as part of a family

  • Childcare expenses

  • Mortgage interest

Learn about the tax benefits offered for each type of expense and make sure to claim them correctly.

Invest in retirement savings products

Retirement savings products, such as the Individual Retirement Plan (PER) and Collective Retirement Savings Plans (PERCO), offer tax advantages. Contributions to these plans can be deducted from your taxable income, reducing your current income tax while preparing for retirement.

Pinel Law (Loi Pinel)

For instance, the Pinel scheme provides tax reductions to investors who purchase new or renovated real estate and lease it for the long term. This requires significant investments, but the benefits can be substantial for those with substantial sums to invest in tax reduction.

Malraux Law (Loi Malraux)

You can use the Malraux scheme, which aims to preserve architectural heritage by offering tax benefits to investors who renovate properties in protected areas.

Invest in Innovative Companies (FCPI)

Investing in innovative companies through mechanisms like the Plan for Savings in SMEs (PEA-PME) can also help reduce income tax. Capital gains from these investments are subject to favorable tax rates. Investing in special funds (FCPI) can provide similar advantages.

Invest in SMEs or startups

Similar to investing in innovative companies, investing in SMEs or startups allows you to pay less income tax.

Other solutions

There are other techniques for tax reduction, such as looking into investments that require significant funds:

  • Loi Censi-Bouvard

  • Loi Girardin

  • Loi Denormandie


There are 7 effective solutions to pay less taxes.

It is possible to reduce taxes on small amounts by benefiting from tax credits, for example, for home assistance. It is also possible to reduce taxes on larger amounts through real estate investments.

Reducing your income tax can be achievable by using these seven legal and effective methods. By planning carefully and taking advantage of available tax benefits, you can optimize your financial situation while fulfilling your tax obligations.

Click the button below for our artificial intelligence to examine your situation and tell you in less than a minute what your best tax strategy should be.

In order to pay fewer taxes, it is also helpful to seek assistance. Here is the list of wealth management firms by city:

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