Reading the 2026 subsidy map without a magnifying glass

French renovation subsidies are real money. A well-structured energy renovation in 2026 can pull €10,000 to €25,000 of public co-financing, depending on your income, your energy gain, and which device you're installing. The problem isn't whether the money exists, it's finding it, qualifying for it, and stacking it correctly.

The three pillars, in plain language

MaPrimeRenov' is the direct subsidy. It pays you a sum, either up front or after the work is done, scaled to your household income bracket and the type of work. The income brackets are colour-coded (bleu, jaune, violet, rose) and the amounts change every year. For 2026, the bracket thresholds moved, the per-device caps moved, and the parcours (package) rules tightened for single-device work.

CEE (Certificats d'Économie d'Énergie) is subsidy money that comes from energy suppliers, not the state directly. EDF, TotalEnergies, Engie and others are obliged to finance energy-saving work to hit their carbon quotas, and the mechanism passes that obligation on to you as a discount or a cheque. The amounts are smaller than MaPrimeRenov' for most work, but they stack, you can claim both on the same project.

Eco-PTZ isn't a subsidy, it's a zero-interest loan, capped at €50,000, that you repay over up to 20 years. It doesn't reduce the final cost, but it makes financing the up-front bill possible without using a classic consumer credit line. It stacks with both of the above.

The part that trips everyone up

The three programs don't have the same eligibility rules, the same required paperwork, the same window of validity, or the same definition of "energy gain." A heat pump install that qualifies for maximum MaPrimeRenov' might only earn a standard CEE amount, might or might not qualify for Eco-PTZ depending on whether it's bundled with insulation work, and might require an RGE-certified installer for two out of three programs.

We've watched households leave thousands of euros on the table because they did one application and assumed the others would follow. They don't. Each program has its own portal, its own decision timeline, and its own audit process.

How we handle it

PlanVue's subsidy engine runs each project against all three programs. When you get your estimate, you see:

• The gross cost of the work.
• Your MaPrimeRenov' eligibility amount for each eligible line item, based on your declared income bracket.
• Your CEE amount, based on the supplier Coup de pouce mechanism active this month.
• Your Eco-PTZ eligibility status: qualifies as single-device, bundled, or performance-target.
• The net cost after all stackable subsidies apply.

We don't submit on your behalf, the applications still go through the official portals, but we generate the document list each application needs and link you to the correct entry point. What used to take a weekend of reading ANAH circulars takes about ten minutes.

What still needs a human

Two things the tool doesn't do:

Your real income. MaPrimeRenov' brackets depend on your last declared revenu fiscal de référence, which you provide. If you misstate it (by accident or optimism), the subsidy amount we calculate won't match what ANAH decides. The tool can't audit your tax return.

Edge cases on old housing. Pre-1948 buildings, buildings with heritage protection, or buildings in a copropriété with unresolved general assembly votes have specific rules that the engine doesn't fully model. We flag these as "vérifiez avec un conseiller France Rénov'" and we mean it, these cases genuinely need a human.

What to do with the numbers

Our advice: use the net cost (after subsidies) as your decision number. A €35,000 heat-pump-plus-insulation project that nets to €18,000 after MaPrimeRenov' and CEE is a different financial conversation than the same project at face value. Many households that would balk at the gross number are comfortable with the net one. Knowing the difference changes what renovations are actually in reach for you.