At the start of 2025, François Bayrou is tackling a sensitive subject: savings accounts. Between the increase in the Single Flat-rate Levy and new taxes, here is everything you need to know about the measures planned by the government.
In 2025, the question of taxes makes a comeback with measures that could profoundly change the French economy. While a tax increase could take place, thesavingsthe real financial base for many of us, is clearly in the government’s sights. While households try to anticipate facing declining interest ratesthe ideas put forward by François Bayrou raise questions.
And for good reason, the reforms mentioned by the Prime Minister could well change the financial habits of millions of households with their savings accounts. These investments, loved by French people who wish to invest their money in a secure and profitable manner, may no longer be the ideal savings solution that they are today.
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A hard blow ahead for savers?
Among the main announcements, the modification of the Single Flat-rate Deduction (PFU)a tax created following the finance law for 2018, is getting a lot of attention according to Night France. Currently set at 30%, this levy combines 12.8% income tax and 17.2% social security contributions. With the plan to increase it to 33%, the impact on savings products such as life insurancethe Housing Savings Account (CEL) and the Housing Savings Plan (PEL) would be considerable. For many, this increase represents an additional drain on already weakened investments.
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According to François Bayrou, this measure aims to “strengthen fiscal solidarity” and finance the country’s priorities. But there is no shortage of criticism. Savers fear in particular losing even more of their returns in a context of drop in interest rates.
These other measures which could impact French taxation
Another key measure according to The Internet user : a new increase in the tax on plane tickets. Although the exact amount is not yet confirmed, this measure aims to encourage greener alternatives. The French will have to plan for an additional cost, particularly for short flights.
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-François Bayrou also attacks the wealthiest taxpayers. Individual annual income above 250,000 euros, or 500,000 euros for a couple, could be subject to a minimum tax of 20%. An idea which aims to fight against tax evasion while balancing public accounts. “Very high incomes must contribute up to their economic capacity,” declared the Prime Minister.
Large companies also in the government’s sights
The project does not stop at individuals. According to Vonews, large companies, with a turnover of more than one billion euros, could also be subject to a surcharge. This initiative aims to compensate for budget deficits while redistributing tax contributions in a “more equitable” manner. However, this measure worries some economic players, fearing that it will harm competitiveness.
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Discussions around these proposals are continuing and no final decision has yet been made. If these measures are adopted, they could redefine the savings and investment strategies of the French, while impacting their purchasing power. We therefore advise you to closely follow the parliamentary debates planned for the coming months.
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