{"id":6182,"date":"2026-11-02T12:00:15","date_gmt":"2026-11-02T09:00:15","guid":{"rendered":"https:\/\/wpcalc.com\/fr\/finance\/calculateur-patrimoine-net\/"},"modified":"2026-11-02T12:00:15","modified_gmt":"2026-11-02T09:00:15","slug":"calculateur-patrimoine-net","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/fr\/finance\/calculateur-patrimoine-net\/","title":{"rendered":"Calculateur de patrimoine net"},"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\">Faites le total de vos biens et de vos dettes<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"6182\" data-favorite-title=\"Patrimoine net\" data-favorite-url=\"https:\/\/wpcalc.com\/fr\/finance\/calculateur-patrimoine-net\/\" data-favorite-excerpt=\"Faites le total de vos biens et de vos dettes pour conna\u00eetre votre patrimoine net en quelques secondes. Saisissez vos actifs, vos dettes, vos revenus et votre \u00e2ge pour obtenir les totaux, le ratio dettes\/actifs, votre patrimoine net liquide et une comparaison avec un rep\u00e8re courant.\" aria-label=\"Ajouter aux favoris\" data-favorite-icon=\"icon icon-savings\">\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\/calculateur-patrimoine-net\/\" method=\"POST\" class=\"calculator\" id=\"calculator-6182\" data-post=\"6182\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Champs de saisie<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Biens<\/span><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Esp\u00e8ces et compte courant<\/label><input type=\"text\" name=\"espces_et_compte_courant\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Comptes d\u2019\u00e9pargne<\/label><input type=\"text\" name=\"comptes_dpargne\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">\u00c9pargne-retraite (401k, IRA)<\/label><input type=\"text\" name=\"pargneretraite_401k_ira\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"65000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Compte-titres et placements<\/label><input type=\"text\" name=\"comptetitres_et_placements\" id=\"field-5\" aria-describedby=\"calc-unit-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-5\">$<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Biens immobiliers<\/label><input type=\"text\" name=\"biens_immobiliers\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"220000\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Valeur de march\u00e9 de votre logement et de vos autres biens immobiliers.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">V\u00e9hicules<\/label><input type=\"text\" name=\"vhicules\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Autres biens<\/label><input type=\"text\" name=\"autres_biens\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3000\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">Par exemple, parts dans une entreprise, objets de valeur ou sommes qui vous sont dues.<\/small><\/div><div class=\"field is-single\" id=\"input-9\"><label for=\"field-9\">Lignes suppl\u00e9mentaires pour les biens<\/label><div class=\"grid grid-cols-1\"><select id=\"field-9\" name=\"lignes_supplmentaires_pour_les_biens\"><option value=\"No extra rows\">Aucune ligne suppl\u00e9mentaire<\/option><option value=\"1 extra row\">1 ligne suppl\u00e9mentaire<\/option><option value=\"2 extra rows\">2 lignes suppl\u00e9mentaires<\/option><option value=\"3 extra rows\">3 lignes suppl\u00e9mentaires<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-10\" hidden><label for=\"field-10\">Nom du bien<\/label><input type=\"text\" name=\"nom_du_bien\" id=\"field-10\" placeholder=\"Par exemple, parts dans une entreprise\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-11\" hidden><label for=\"field-11\">Valeur<\/label><input type=\"text\" name=\"valeur\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\" hidden><label for=\"field-12\">Nom du bien<\/label><input type=\"text\" name=\"nom_du_bien\" id=\"field-12\" placeholder=\"Par exemple, cryptomonnaie\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-13\" hidden><label for=\"field-13\">Valeur<\/label><input type=\"text\" name=\"valeur\" id=\"field-13\" aria-describedby=\"calc-unit-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-13\">$<\/div><\/div><div class=\"field\" id=\"input-14\" hidden><label for=\"field-14\">Nom du bien<\/label><input type=\"text\" name=\"nom_du_bien\" id=\"field-14\" placeholder=\"Par exemple, \u0153uvres d\u2019art et objets de collection\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-15\" hidden><label for=\"field-15\">Valeur<\/label><input type=\"text\" name=\"valeur\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"is-single field\" id=\"input-16\"><span class=\"font-semibold\">Dettes<\/span><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-17\">Cr\u00e9dit immobilier<\/label><input type=\"text\" name=\"crdit_immobilier\" id=\"field-17\" aria-describedby=\"calc-unit-17 calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"165000\"\/><div class=\"unit\" id=\"calc-unit-17\">$<\/div><small id=\"calc-info-17\">Capital restant d\u00fb.<\/small><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Pr\u00eat hypoth\u00e9caire sur votre logement<\/label><input type=\"text\" name=\"prt_hypothcaire_sur_votre_logement\" id=\"field-18\" aria-describedby=\"calc-unit-18\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-18\">$<\/div><\/div><div class=\"field\" id=\"input-19\"><label for=\"field-19\">Cr\u00e9dits automobiles<\/label><input type=\"text\" name=\"crdits_automobiles\" id=\"field-19\" aria-describedby=\"calc-unit-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"8000\"\/><div class=\"unit\" id=\"calc-unit-19\">$<\/div><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-20\">Pr\u00eats \u00e9tudiants<\/label><input type=\"text\" name=\"prts_tudiants\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-21\">Cartes de cr\u00e9dit<\/label><input type=\"text\" name=\"cartes_de_crdit\" id=\"field-21\" aria-describedby=\"calc-unit-21 calc-info-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2500\"\/><div class=\"unit\" id=\"calc-unit-21\">$<\/div><small id=\"calc-info-21\">Solde total d\u00fb, et non mensualit\u00e9 \u00e0 payer.<\/small><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-22\">Pr\u00eats personnels<\/label><input type=\"text\" name=\"prts_personnels\" id=\"field-22\" aria-describedby=\"calc-unit-22\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-22\">$<\/div><\/div><div class=\"field\" id=\"input-23\"><label for=\"field-23\">Autres dettes<\/label><input type=\"text\" name=\"autres_dettes\" id=\"field-23\" aria-describedby=\"calc-unit-23 calc-info-23\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-23\">$<\/div><small id=\"calc-info-23\">Par exemple, imp\u00f4ts \u00e0 payer, achats avec paiement diff\u00e9r\u00e9 ou pr\u00eats familiaux.<\/small><\/div><div class=\"field is-single\" id=\"input-24\"><label for=\"field-24\">Lignes suppl\u00e9mentaires pour les dettes<\/label><div class=\"grid grid-cols-1\"><select id=\"field-24\" name=\"lignes_supplmentaires_pour_les_dettes\"><option value=\"No extra rows\">Aucune ligne suppl\u00e9mentaire<\/option><option value=\"1 extra row\">1 ligne suppl\u00e9mentaire<\/option><option value=\"2 extra rows\">2 lignes suppl\u00e9mentaires<\/option><option value=\"3 extra rows\">3 lignes suppl\u00e9mentaires<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-25\" hidden><label for=\"field-25\">Nom de la dette<\/label><input type=\"text\" name=\"nom_de_la_dette\" id=\"field-25\" placeholder=\"Par exemple, facture m\u00e9dicale\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Solde d\u00fb<\/label><input type=\"text\" name=\"solde_d\" id=\"field-26\" aria-describedby=\"calc-unit-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-26\">$<\/div><\/div><div class=\"field\" id=\"input-27\" hidden><label for=\"field-27\">Nom de la dette<\/label><input type=\"text\" name=\"nom_de_la_dette\" id=\"field-27\" placeholder=\"Par exemple, arri\u00e9r\u00e9s d\u2019imp\u00f4ts\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Solde d\u00fb<\/label><input type=\"text\" name=\"solde_d\" id=\"field-28\" aria-describedby=\"calc-unit-28\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-28\">$<\/div><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Nom de la dette<\/label><input type=\"text\" name=\"nom_de_la_dette\" id=\"field-29\" placeholder=\"Par exemple, pr\u00eat sur un plan 401k\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Solde d\u00fb<\/label><input type=\"text\" name=\"solde_d\" id=\"field-30\" aria-describedby=\"calc-unit-30\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-30\">$<\/div><\/div><div class=\"is-single field\" id=\"input-31\"><span class=\"font-semibold\">Point de comparaison facultatif<\/span><\/div><div class=\"field is-single\" id=\"input-32\"><label for=\"field-32\">\u00c2ge<\/label><input type=\"text\" name=\"ge\" id=\"field-32\" aria-describedby=\"calc-info-32\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"120\" value=\"35\"\/><small id=\"calc-info-32\">Laissez les deux champs vides pour ne pas faire de comparaison.<\/small><\/div><div class=\"field is-single\" id=\"input-33\"><label for=\"field-33\">Revenu annuel avant imp\u00f4t<\/label><input type=\"text\" name=\"revenu_annuel_avant_impt\" id=\"field-33\" aria-describedby=\"calc-unit-33\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"70000\"\/><div class=\"unit\" id=\"calc-unit-33\">$<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalculer\" id=\"calculate-button\" data-post=\"6182\">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> Bilan de votre patrimoine net<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Total des biens<\/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 class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Total des dettes<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/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 class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Patrimoine net<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/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 class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Ratio dettes\/biens<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/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 class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Patrimoine net liquide<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/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 class=\"field-result is-column\" id=\"output-6\"><span class=\"field-title\"><span>R\u00e9partition des biens<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/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 class=\"field-result is-column\" id=\"output-7\"><span class=\"field-title\"><span>R\u00e9partition des dettes<\/span><\/span><span class=\"field-value\" id=\"result-7\"><\/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 class=\"field-result is-column\" id=\"output-8\"><span class=\"field-title\"><span>R\u00e8gle indicative fond\u00e9e sur l\u2019\u00e2ge et le revenu<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/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=\"6182\" 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 du patrimoine net<\/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\\[ \\text{Patrimoine net} = \\text{Total des actifs} - \\text{Total des dettes} \\]\n\\[ \\text{Ratio dettes\/actifs} = \\frac{\\text{Total des dettes}}{\\text{Total des actifs}} \\times 100\\% \\]\n\\[ \\text{Patrimoine net liquide} = \\text{Liquidit\u00e9s} + \\text{\u00c9pargne} + \\text{Placements en compte-titres} - \\text{Dettes de carte de cr\u00e9dit} - \\text{Pr\u00eats personnels} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Avec :<\/strong><\/p>\n<ul>\n<li><em>Total des actifs<\/em> \u2014 la valeur de march\u00e9 actuelle de tout ce que vous poss\u00e9dez : liquidit\u00e9s, \u00e9pargne, comptes d\u2019\u00e9pargne-retraite et comptes-titres, biens immobiliers, v\u00e9hicules et autres biens de valeur<\/li>\n<li><em>Total des dettes<\/em> \u2014 le montant restant \u00e0 rembourser sur l\u2019ensemble de vos emprunts et autres dettes : capital restant d\u00fb sur le pr\u00eat immobilier (et non valeur du logement), pr\u00eats automobiles et \u00e9tudiants, soldes de cartes de cr\u00e9dit, etc.<\/li>\n<\/ul>\n<p>Votre patrimoine net correspond tout simplement \u00e0 la diff\u00e9rence entre ce que vous poss\u00e9dez et ce que vous devez. Le ratio dettes\/actifs indique le poids de vos dettes par rapport \u00e0 vos actifs, tandis que le patrimoine net liquide repr\u00e9sente l\u2019argent auquel vous pourriez acc\u00e9der rapidement en cas d\u2019urgence.<\/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>Patrimoine net : exemple de calcul<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemple :<\/strong> une personne de 35 ans dont le revenu annuel avant imp\u00f4ts est de 70 000 $ poss\u00e8de 4 000 $ de liquidit\u00e9s, 12 000 $ d\u2019\u00e9pargne, 65 000 $ sur des comptes d\u2019\u00e9pargne-retraite, 15 000 $ de placements en compte-titres, un logement d\u2019une valeur de 220 000 $, des v\u00e9hicules d\u2019une valeur de 12 000 $ et 3 000 $ d\u2019autres actifs. Il lui reste \u00e0 rembourser 165 000 $ sur son pr\u00eat immobilier, 8 000 $ de pr\u00eats automobiles, 15 000 $ de pr\u00eats \u00e9tudiants, 2 500 $ de dettes de carte de cr\u00e9dit et 4 000 $ de pr\u00eats personnels.<\/p>\n<p>\\[ \\text{Actifs} = 4{,}000 + 12{,}000 + 65{,}000 + 15{,}000 + 220{,}000 + 12{,}000 + 3{,}000 = \\$331{,}000 \\]<\/p>\n<p>\\[ \\text{Dettes} = 165{,}000 + 8{,}000 + 15{,}000 + 2{,}500 + 4{,}000 = \\$194{,}500 \\]<\/p>\n<p>\\[ \\text{Patrimoine net} = 331{,}000 - 194{,}500 = \\$136{,}500 \\]<\/p>\n<p>\\[ \\text{Ratio dettes\/actifs} = \\frac{194{,}500}{331{,}000} \\times 100\\% \\approx 58.76\\% \\]<\/p>\n<p>\\[ \\text{Patrimoine net liquide} = 4{,}000 + 12{,}000 + 15{,}000 - 2{,}500 - 4{,}000 = \\$24{,}500 \\]<\/p>\n<p><strong>R\u00e9sultat :<\/strong> son patrimoine net est de 136 500 $, dont 24 500 $ de patrimoine net liquide. Le rep\u00e8re fond\u00e9 sur l\u2019\u00e2ge et le revenu (35 \u00d7 70 000 $ \u00f7 10) est de 245 000 $ : elle atteint donc environ 56 % de cet objectif.<\/p>\n<p>\n\r\n<\/section>\n<h2>Comment utiliser le calculateur<\/h2>\n<ol>\n<li>Saisissez la valeur actuelle de chaque bien dans la rubrique <strong>Actifs<\/strong> : <strong>Esp\u00e8ces et compte courant<\/strong>, <strong>Comptes d\u2019\u00e9pargne<\/strong>, <strong>\u00c9pargne-retraite (401(k), IRA)<\/strong>, <strong>Compte-titres et placements<\/strong>, <strong>Immobilier<\/strong>, <strong>V\u00e9hicules<\/strong> et <strong>Autres actifs<\/strong>. Indiquez 0 si une cat\u00e9gorie ne vous concerne pas.<\/li>\n<li>Si vous avez besoin de lignes suppl\u00e9mentaires pour vos actifs, choisissez leur nombre dans <strong>Lignes d\u2019actifs suppl\u00e9mentaires<\/strong>, puis saisissez un nom (par ex.<br \/>\n","protected":false},"excerpt":{"rendered":"<p>Faites le total de vos biens et de vos dettes pour conna\u00eetre votre patrimoine net en quelques secondes. Saisissez vos actifs, vos dettes, vos revenus et votre \u00e2ge pour obtenir les totaux, le ratio dettes\/actifs, votre patrimoine net liquide et une comparaison avec un rep\u00e8re courant.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[43],"class_list":["post-6182","post","type-post","status-publish","format-standard","hentry","category-finance","tag-budget"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts\/6182","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=6182"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts\/6182\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/media?parent=6182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/categories?post=6182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/tags?post=6182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}