how much more interest will you earn over a year?

From February 1, the rate of Livret A and LDDS will increase, from 2% to 3%. Are you wondering what this represents as additional interests? Here is the answer.

The news, expected for months, is now official: as of February 1, the rate of the Livret A, which it shares with its cousin, the Livret de développement durable et solidaire (LDDS), will increase from 2% to 3%, net of taxes and social security contributions. A decided increase to follow inflation (more than 6% at the end of 2022) and the rise in interbank rates.

It is unprecedented: in one year, the remuneration of the most popular savings product in France will have been multiplied by 6, going from 0.50% at the start of 2022 to 3%. Everyone will benefit from it: more than 80% of the French population holds a Livret A, while the LDDS had 24.5 million followers at the end of 2021. But how big are the gains promised by this update?

It is obviously difficult to say with precision today. It all depends on your assets, but also on the number of transactions you make on your account, with each withdrawal entailing the risk of losing a fraction of interest.

Above all, the Livret A rate has a good chance of changing again, probably upwards, on the occasion of the next chance update, next August.

To get an idea of ​​your future earnings, it is still possible to compare the interest differential generated, constant rate and over 12 rolling months, between a Livret A or LDDS 2% and another 3%. Here is what it gives: