What this simulator can and cannot do
It calculates on a single life. It asks you for an age and a sex, and applies the corresponding term. For a couple it is not suitable: the term then applied is that of the last survivor, it is appreciably longer, and the resulting annuity is therefore lower than what the simulator shows. If two of you are selling, make an appointment or ask for a tailored study — that is the only way to get a usable figure.
It gives an average. The result rests on an average life expectancy for your age, not on your own situation. It takes no account of the real condition of the property, the market in your town, your charges, your tax position, or reversion to a spouse.
It has no contractual value. Only a viager study produces figures anyone can commit to, and only the notarial deed is definitive.
And it is free — as is the study that follows. Valuing your property and preparing a personalised viager study are done free of charge and with no obligation on your part.
Estimate your bouquet and your annuity
A first estimate in seconds. The calculation runs in your browser: nothing you type is sent anywhere.
Can I use this simulator if we are selling as a couple?
Not reliably. On two lives, the annuity is calculated over the survivor’s term, appreciably longer than a single-life term: the simulator would give you too high a figure. Make an appointment or ask for a tailored study, which is free.
Is what I type sent anywhere?
No. The calculation runs entirely in your browser; the form is never submitted. You can try figures on your own home without sending us anything.
Why does the annuity fall when I increase the bouquet?
Because the price is the same. The bouquet and the annuity share one and the same amount: what you take in cash is no longer available to convert into income. It is a trade-off between cash now and regular income.
Why is the figure lower in an occupied viager?
Because you keep the right to live in the home, and that right has an economic value. It is deducted from the price as an occupancy discount. In a free viager there is no discount, so bouquet and annuity are higher — but you leave the property.
Is the tailored study really free?
Yes. Valuing your property and preparing the costed viager study are free and commit you to nothing. You remain free not to take it any further.
No questions in this category.