New LEP increase in 2023: who can open one?

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The year that is drawing to a close has been profoundly marked by inflation. According to the latest figures from INSEE, consumer prices increased by 6.2% in one year in October 2022. “This rise in inflation would be due to the acceleration in energy prices, food and manufactured goods. The prices of services and tobacco would increase at the same rate as the previous month”, specifies the institute. According to provisional data, food prices increased by 11.8%, against 19.2% for energy, 4.2% for manufactured goods and 3.2% for services.

In this logic, the rate of various savings accounts has been revised upwards. This is the case of the Livret A and the Livret de développement durable et solidaire (LDDS), the rate of which fell from 0.5% on January 1, 2022 to 2% on August 1. For its part, the popular savings account (LEP), saw its rate be propelled to 4.3% on August 1… And for good reason: the rate of this booklet intended for a handful of savers is indexed on inflation. Thus, the LEP rate is expected to increase at the time of its next reset on February 1, 2023.

Anyone over the age of 18 who is domiciled in France for tax purposes can open a LEP… Provided they meet the income conditions. These are established according to your reference tax income, which must not exceed a certain ceiling. Thus, for the year 2022, your reference tax income for the year 2020 (tax notice 2021) or for the year 2021 (tax notice 2022) must respect these limits: