{"id":209,"date":"2026-10-03T06:04:11","date_gmt":"2026-10-03T03:04:11","guid":{"rendered":"https:\/\/wpcalc.com\/fr\/?p=209"},"modified":"2026-10-03T06:04:11","modified_gmt":"2026-10-03T03:04:11","slug":"interets-actualises","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/fr\/finance\/interets-actualises\/","title":{"rendered":"Calculateur d\u2019int\u00e9r\u00eats actualis\u00e9s"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Calculer les int\u00e9r\u00eats actualis\u00e9s des pr\u00eats et des placements<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"209\" data-favorite-title=\"Int\u00e9r\u00eats actualis\u00e9s\" data-favorite-url=\"https:\/\/wpcalc.com\/fr\/finance\/interets-actualises\/\" data-favorite-excerpt=\"Saisissez un taux d\u2019int\u00e9r\u00eat annuel nominal pour obtenir instantan\u00e9ment le coefficient d\u2019int\u00e9r\u00eats actualis\u00e9s : l\u2019\u00e9quivalent du taux trimestriel avec capitalisation mensuelle, utilis\u00e9 dans la tarification des pr\u00eats et l\u2019analyse des flux de tr\u00e9sorerie actualis\u00e9s.\" aria-label=\"Ajouter aux favoris\" data-favorite-icon=\"icon icon-rate-up\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/fr\/finance\/interets-actualises\/\" method=\"POST\" class=\"calculator\" id=\"calculator-209\" data-post=\"209\"><fieldset class=\"fieldset-input is-1\"><legend class=\"sr-only\">Champs de saisie<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Taux d\u2019int\u00e9r\u00eat annuel<\/label><div class=\"term\">i<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"taux_dintrt_annuel\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12\"\/><div class=\"unit\" id=\"calc-unit-1\">%<\/div><small id=\"calc-info-1\">Taux d\u2019int\u00e9r\u00eat annuel nominal<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalculer\" id=\"calculate-button\" data-post=\"209\">Calculer<\/button><button type=\"reset\">R\u00e9initialiser<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calculer automatiquement<\/label><small>Si activ\u00e9, le r\u00e9sultat se met \u00e0 jour automatiquement d\u00e8s que vous modifiez une valeur.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Vos r\u00e9sultats<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Coefficient d\u2019int\u00e9r\u00eat actualis\u00e9<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copier le r\u00e9sultat\" aria-label=\"Copier le r\u00e9sultat\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copier le lien vers ce calcul<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Laisser un commentaire<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"209\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Que pensez-vous de ce r\u00e9sultat\u00a0?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">J\u2019aime <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Utile <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confus <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">D\u00e9\u00e7u <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Inexact <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Formule des int\u00e9r\u00eats actualis\u00e9s<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Formule<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ A = \\frac{i \/ 4}{\\left(1 + \\frac{i}{1200}\\right)^{2} + \\left(1 + \\frac{i}{1200}\\right) + 1} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>O\u00f9&nbsp;:<\/strong><\/p>\n<ul>\n<li>\\(i\\) \u2014 taux d\u2019int\u00e9r\u00eat annuel nominal, en pourcentage (par exemple, 12 pour 12&nbsp;% par an)<\/li>\n<li>\\(A\\) \u2014 coefficient d\u2019int\u00e9r\u00eats actualis\u00e9s<\/li>\n<\/ul>\n<p>Le num\u00e9rateur \\(i\/4\\) est le taux d\u2019int\u00e9r\u00eat trimestriel nominal, et \\(i\/1200\\) est le taux mensuel correspondant. Le d\u00e9nominateur est la somme des facteurs de capitalisation mensuelle sur un trimestre. Le coefficient \\(A\\) repr\u00e9sente le montant mensuel, exprim\u00e9 en pourcentage du capital, que devraient atteindre trois versements mensuels cons\u00e9cutifs pour produire, apr\u00e8s capitalisation mensuelle, la totalit\u00e9 des int\u00e9r\u00eats trimestriels.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Int\u00e9r\u00eats actualis\u00e9s : exemple de calcul<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemple&nbsp;:<\/strong> un pr\u00eat porte un taux d\u2019int\u00e9r\u00eat annuel nominal de 12&nbsp;%, la valeur par d\u00e9faut du calculateur.<\/p>\n<p>\\[ \\frac{i}{1200} = \\frac{12}{1200} = 0.01 \\]<\/p>\n<p>\\[ (1.01)^{2} + 1.01 + 1 = 1.0201 + 1.01 + 1 = 3.0301 \\]<\/p>\n<p>\\[ A = \\frac{12 \/ 4}{3.0301} = \\frac{3}{3.0301} \\approx 0.990066 \\]<\/p>\n<p><strong>R\u00e9sultat&nbsp;:<\/strong> le coefficient d\u2019int\u00e9r\u00eats actualis\u00e9s est \\(A \\approx 0.990066\\).<\/p>\n<p>\n\r\n<\/section>\n<h2>Comment utiliser le calculateur<\/h2>\n<ol>\n<li>Saisissez le <strong>Taux d\u2019int\u00e9r\u00eat annuel<\/strong> sous forme de pourcentage annuel nominal \u2014 par exemple, 12 pour 12&nbsp;% par an.<\/li>\n<li>Le calculateur le convertit en taux mensuel \\(i\/1200\\), calcule le d\u00e9nominateur tenant compte de la capitalisation, puis divise le taux trimestriel \\(i\/4\\) par ce d\u00e9nominateur.<\/li>\n<li>Consultez le <strong>Coefficient d\u2019int\u00e9r\u00eats actualis\u00e9s<\/strong> dans la zone des r\u00e9sultats, arrondi \u00e0 six d\u00e9cimales.<\/li>\n<\/ol>\n<h2>Que sont les int\u00e9r\u00eats actualis\u00e9s ?<\/h2>\n<p>Les int\u00e9r\u00eats exprim\u00e9s ou factur\u00e9s \u00e0 un taux nominal ne refl\u00e8tent pas enti\u00e8rement la valeur temporelle de l\u2019argent. Des int\u00e9r\u00eats trimestriels de \\(i\/4\\) pour cent ne sont per\u00e7us qu\u2019\u00e0 la fin du trimestre : leur valeur au d\u00e9but du trimestre \u2014 ou r\u00e9partie en versements mensuels sur le trimestre \u2014 est donc l\u00e9g\u00e8rement inf\u00e9rieure. L\u2019actualisation des int\u00e9r\u00eats tient compte de cet \u00e9cart en exprimant les int\u00e9r\u00eats nominaux sur une base mensuelle avec capitalisation.<\/p>\n<p>Le coefficient \\(A\\) a une signification pr\u00e9cise : si vous versiez \\(A\\) pour cent du capital \u00e0 la fin de chacun des trois mois d\u2019un trimestre, ces versements, capitalis\u00e9s au taux mensuel \\(i\/1200\\), atteindraient exactement le montant des int\u00e9r\u00eats trimestriels nominaux \\(i\/4\\) \u00e0 la fin du trimestre. Dans l\u2019exemple ci-dessus, \\(A \\approx 0.990066\\) %, soit un peu moins que le taux mensuel nominal de \\(12\/12 = 1\\) %. L\u2019\u00e9cart augmente avec le taux d\u2019int\u00e9r\u00eat, car la capitalisation mensuelle au cours du trimestre prend davantage d\u2019importance.<\/p>\n<p>Ce type d\u2019ajustement compte d\u00e8s lors que les flux de tr\u00e9sorerie interviennent \u00e0 des dates diff\u00e9rentes : tableaux d\u2019amortissement des pr\u00eats, analyse des flux de tr\u00e9sorerie actualis\u00e9s (DCF) et comparaison d\u2019offres de financement dont les taux sont exprim\u00e9s sur des bases diff\u00e9rentes. Il repose sur une logique proche de celle de nos calculateurs de <a href=\"https:\/\/wpcalc.com\/en\/finance\/bond-present-value\/\">valeur actuelle d\u2019une obligation<\/a> et de <a href=\"https:\/\/wpcalc.com\/fr\/finance\/valeur-actuelle-nette\/\">valeur actuelle nette (VAN)<\/a>, qui ram\u00e8nent les paiements futurs \u00e0 leur valeur actuelle.<\/p>\n<h2>Valeurs de r\u00e9f\u00e9rence<\/h2>\n<table>\n<thead>\n<tr>\n<th>Taux annuel \\(i\\)<\/th>\n<th>Taux mensuel nominal \\(i\/12\\)<\/th>\n<th>Coefficient actualis\u00e9 \\(A\\)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>6&nbsp;%<\/td>\n<td>0,5&nbsp;%<\/td>\n<td>0,497513<\/td>\n<\/tr>\n<tr>\n<td>8&nbsp;%<\/td>\n<td>0,6667&nbsp;%<\/td>\n<td>0,662243<\/td>\n<\/tr>\n<tr>\n<td>10&nbsp;%<\/td>\n<td>0,8333&nbsp;%<\/td>\n<td>0,826413<\/td>\n<\/tr>\n<tr>\n<td>12&nbsp;%<\/td>\n<td>1,0000&nbsp;%<\/td>\n<td>0,990066<\/td>\n<\/tr>\n<tr>\n<td>15&nbsp;%<\/td>\n<td>1,2500&nbsp;%<\/td>\n<td>1,234481<\/td>\n<\/tr>\n<tr>\n<td>18&nbsp;%<\/td>\n<td>1,5000&nbsp;%<\/td>\n<td>1,477704<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Hypoth\u00e8ses et limites<\/h2>\n<ul>\n<li><strong>Saisie d\u2019un taux nominal&nbsp;:<\/strong> le calculateur attend un taux annuel nominal, et non un taux effectif. Si vous ne connaissez que le rendement annuel effectif, convertissez-le d\u2019abord \u00e0 l\u2019aide du calculateur de <a href=\"https:\/\/wpcalc.com\/fr\/finance\/rendement-annuel-pourcentage\/\">rendement annuel effectif<\/a>.<\/li>\n<li><strong>Capitalisation mensuelle&nbsp;:<\/strong> la formule suppose que les int\u00e9r\u00eats sont capitalis\u00e9s chaque mois au cours de chaque trimestre. Une capitalisation trimestrielle, semestrielle ou continue donnerait des coefficients diff\u00e9rents.<\/li>\n<li><strong>Pourcentage, et non montant en devise&nbsp;:<\/strong> \\(A\\) est exprim\u00e9 en pourcentage du capital. Pour obtenir un montant, multipliez \\(A\/100\\) par le capital restant d\u00fb.<\/li>\n<li><strong>Hors frais et taxes&nbsp;:<\/strong> le coefficient ne tient compte que de l\u2019actualisation du taux d\u2019int\u00e9r\u00eat lui-m\u00eame. Les frais de dossier, les points, les taxes et les p\u00e9nalit\u00e9s n\u2019entrent pas dans son calcul.<\/li>\n<li><strong>Outils associ\u00e9s&nbsp;:<\/strong> pour les pr\u00eats donnant lieu \u00e0 une remise d\u2019int\u00e9r\u00eats en cas de remboursement anticip\u00e9, consultez le calculateur des <a href=\"https:\/\/wpcalc.com\/fr\/finance\/interets-non-acquis-methode-actuarielle\/\">int\u00e9r\u00eats non acquis selon la m\u00e9thode actuarielle<\/a> et, pour les certificats de d\u00e9p\u00f4t \u00e9mis avec une d\u00e9cote, le calculateur du <a href=\"https:\/\/wpcalc.com\/fr\/finance\/prix-emission-certificat-placement\/\">prix d\u2019\u00e9mission d\u2019un certificat de d\u00e9p\u00f4t<\/a>.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Saisissez un taux d\u2019int\u00e9r\u00eat annuel nominal pour obtenir instantan\u00e9ment le coefficient d\u2019int\u00e9r\u00eats actualis\u00e9s : l\u2019\u00e9quivalent du taux trimestriel avec capitalisation mensuelle, utilis\u00e9 dans la tarification des pr\u00eats et l\u2019analyse des flux de tr\u00e9sorerie actualis\u00e9s.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[26],"class_list":["post-209","post","type-post","status-publish","format-standard","hentry","category-finance","tag-interets"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts\/209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/comments?post=209"}],"version-history":[{"count":6,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts\/209\/revisions"}],"predecessor-version":[{"id":5896,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts\/209\/revisions\/5896"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/media?parent=209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/categories?post=209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/tags?post=209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}