A proposed law provides for the ability to release €5,000 from your employee savings plan without any particular reason. A measure supported by the government.
Another possibility of recovering your employee savings without constraints? This is the purpose of this bill, which was debated on Tuesday April 7 in the Senate, then transmitted to the National Assembly for a next reading. A a boost for employees who could thus recover up to €5,000 from their Company Savings Plan (PEE) without any imposition! A priori, and after initiation of the accelerated procedure, this system could see the light of day very quickly.
According to the text voted by the Senate, this exceptional release would be accessible to all beneficiaries of a PEE, without resource conditions, for one year. The terms of release will be specified after adoption of the law.
In January 2026, the Minister of SMEs, Trade and Purchasing Power Serge Papin presented a project for the exceptional release of employee savings, limited to €2,000 and only concerning employees receiving less than €2.00.
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Épargne salarye: épargner or invest?
Each year, the lucky beneficiaries of an employee savings scheme (participation, profit sharing, value sharing bonus) have the choice:
- either recover the amounts directlylike a salary,
- or invest them in a savings plan and thus benefit from more attractive taxation, or even a contribution from the company.
In fact, the amounts recovered directly are liable to income tax. Those invested only bear a CSG-CDRS levy of 9.7% upon entry. Following the funds blocking period, any gains are only subject to the rate of 18.6% since January 2026.
As a reminder, capital is blocked for 5 years for the PEE and until retirement for the PER (Collective retirement savings plan), but many cases of early release exist, in particular the purchase of the main residence.
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In picture
The new measure only concerns PEEÂ! The sums invested in a Collective PER (retirement savings) cannot be released.
