The rate of LEP, the People’s Savings Booklet, has risen to 6.1% since 1 February. To encourage eligible households to take advantage of it, the tax authorities are currently sending an email to the people concerned. Remember to open it because it could earn you big.
No, this is not spam. The General Directorate of Public Finances (DGFiP) is currently sending an email to people eligible for the People’s Savings Account (LEP) to encourage them to take advantage of it.
This savings product accessible under income conditions has offered an unbeatable rate of 6.1% since February 1, compared to 3% for the Livret A. In concrete terms, for 1,000 euros deposited, the LEP will earn you 61 euros in interest over one year. if its remuneration remains 6.1%, against 30 euros for the Livret A with a constant rate of 3%. A difference of 31 euros not insignificant as rising prices erode your purchasing power.
Nearly 20 million eligible French people
The LEP is the only regulated investment that can protect you from inflation, which peaked at 6% in January over one year. On the other hand, the payment ceiling is limited to 7700 euros on the LEP, against 22950 euros for the Livret A.
18million individuals can benefit from an LEP but only 8.5million have opened one. If you don’t have an LEP, please check your email. If you have received an email from the tax authorities, ask your banker to open a LEP for you.
Check your reference tax income
Even if you haven’t received a tax message, you might still get one. To be sure, just consult your reference tax income (RFR) which appears on your last tax notice. Compare it with the new eligibility thresholds for the year 2023 in the table below.
| Reference tax income ceiling for holding a LEP in 2023 | ||||
|---|---|---|---|---|
| Shares of family quotient | Metropolitan France | Martinique, Guadeloupe, La Runion | Guyana | Mayotte |
| First part | 21393 | 25314 | 26466 | 39665 |
| Surcharge for the first additional half share | + 5713 | + 6047 | + 7286 | + 10912 |
| Increase for the following additional half-shares | + 5712 | + 5712 | + 8557 | |
| Either for 2 tax shares (husband or PACS couple, single person with one child, single person with 2 children) | 32818 | 37073 | 39464 | 59134 |
It should be noted that these income thresholds apply to the entire tax household. In any case, a maximum of two people per household can open a LEP. Access to it is in fact prohibited for those under 18 and for young adults still attached to the tax household of their parents.