{"id":663,"date":"2026-10-03T05:53:12","date_gmt":"2026-10-03T02:53:12","guid":{"rendered":"https:\/\/wpcalc.com\/fr\/?p=663"},"modified":"2026-10-03T05:53:12","modified_gmt":"2026-10-03T02:53:12","slug":"calculateur-retraite","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/fr\/finance\/calculateur-retraite\/","title":{"rendered":"Calculateur de plan de retraite"},"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\">Estimateur d&#039;\u00e9pargne et de retraits pour la retraite<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"663\" data-favorite-title=\"Plan de retraite\" data-favorite-url=\"https:\/\/wpcalc.com\/fr\/finance\/calculateur-retraite\/\" data-favorite-excerpt=\"Ce calculateur de plan de retraite vous aide \u00e0 estimer le montant que vous accumulerez avant la retraite et celui dont vous aurez besoin pour financer votre p\u00e9riode de retraite.\" aria-label=\"Ajouter aux favoris\" data-favorite-icon=\"icon icon-loan\">\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-retraite\/\" method=\"POST\" class=\"calculator\" id=\"calculator-663\" data-post=\"663\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Champs de saisie<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">\u00c2ge actuel<\/label><input type=\"text\" name=\"ge_actuel\" id=\"field-1\" aria-describedby=\"calc-unit-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"35\"\/><div class=\"unit\" id=\"calc-unit-1\">ans<\/div><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">\u00c2ge de la retraite<\/label><input type=\"text\" name=\"ge_de_la_retraite\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"65\"\/><div class=\"unit\" id=\"calc-unit-2\">ans<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Revenu du foyer<\/label><input type=\"text\" name=\"revenu_du_foyer\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"60000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">\u00c9pargne retraite actuelle<\/label><input type=\"text\" name=\"pargne_retraite_actuelle\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Rendement avant la retraite<\/label><input type=\"number\" name=\"rendement_avant_la_retraite\" id=\"field-5\" aria-describedby=\"calc-unit-5\" step=\"any\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Rendement pendant la retraite<\/label><input type=\"number\" name=\"rendement_pendant_la_retraite\" id=\"field-6\" aria-describedby=\"calc-unit-6\" step=\"any\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-6\">%<\/div><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Contribution en % du revenu<\/label><input type=\"number\" name=\"contribution_en_du_revenu\" id=\"field-7\" aria-describedby=\"calc-unit-7\" step=\"any\" value=\"10\"\/><div class=\"unit\" id=\"calc-unit-7\">%<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Augmentation de salaire annuelle (%)<\/label><input type=\"number\" name=\"augmentation_de_salaire_annuelle_\" id=\"field-8\" aria-describedby=\"calc-unit-8\" step=\"any\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-8\">%<\/div><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Ann\u00e9es de retraite<\/label><input type=\"number\" name=\"annes_de_retraite\" id=\"field-9\" aria-describedby=\"calc-unit-9\" step=\"any\" value=\"25\"\/><div class=\"unit\" id=\"calc-unit-9\">ans<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Revenu n\u00e9cessaire \u00e0 la retraite (%)<\/label><input type=\"number\" name=\"revenu_ncessaire_la_retraite_\" id=\"field-10\" aria-describedby=\"calc-unit-10\" step=\"any\" value=\"80\"\/><div class=\"unit\" id=\"calc-unit-10\">%<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Taux d&#039;inflation pr\u00e9vu<\/label><input type=\"number\" name=\"taux_dinflation_prvu\" id=\"field-11\" aria-describedby=\"calc-unit-11\" step=\"any\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-11\">%<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalculer\" id=\"calculate-button\" data-post=\"663\">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>Montant de retraite n\u00e9cessaire<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copier le r\u00e9sultat\" aria-label=\"Copier le r\u00e9sultat\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Revenu de la derni\u00e8re ann\u00e9e avant la retraite<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/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-3\"><span class=\"field-title\"><span>D\u00e9penses annuelles \u00e0 la retraite<\/span><\/span><span class=\"field-value\" id=\"result-3\" 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-4\"><span class=\"field-title\"><span>Besoin ajust\u00e9 \u00e0 l&#039;inflation (%)<\/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><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=\"663\" 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<p><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>Formules d'accumulation et de financement de la retraite<\/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\\[\n\\text{VF}_{\\text{accum}} = \\sum_{t=1}^{T} \\left[ \\text{Revenu}_t \\times \\frac{p}{100} \\times (1 + r)^{T - t} \\right]\n\\]\n\\[\n\\text{VA}_{\\text{ret}} = \\text{Besoin annuel} \\times \\frac{1 - (1 + r)^{-N}}{r}\n\\]\n<\/div>\r\n\t<\/figure>\r\n\t<br \/>\n<strong>O\u00f9 :<\/strong><\/p>\n<ul>\n<li>\\( \\text{VF}_{\\text{accum}} \\) = Valeur future de l'\u00e9pargne retraite \u00e0 l'\u00e2ge de la retraite<\/li>\n<li>\\( \\text{Revenu}_t \\) = Revenu annuel de l'ann\u00e9e \\( t \\)<\/li>\n<li>\\( p \\) = Pourcentage du revenu \u00e9pargn\u00e9 chaque ann\u00e9e<\/li>\n<li>\\( r \\) = Taux de rendement annuel<\/li>\n<li>\\( T \\) = Nombre d'ann\u00e9es jusqu'\u00e0 la retraite<\/li>\n<li>\\( \\text{VA}_{\\text{ret}} \\) = Valeur actuelle du montant n\u00e9cessaire \u00e0 la retraite<\/li>\n<li>\\( \\text{Besoin annuel} \\) = Revenu annuel souhait\u00e9 pendant la retraite<\/li>\n<li>\\( N \\) = Nombre d'ann\u00e9es de retraite<\/li>\n<\/ul>\n<p>\r\n<\/section><br \/>\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>Planification de la retraite \u2013 Exemple de calcul<\/h2><\/div>\r\n\r\n<p>\nSupposons :<\/p>\n<ul>\n<li>Vous \u00e9pargnez 10&nbsp;% d'un revenu de 60 000 $ par an pendant 30 ans \u00e0 un rendement de 6&nbsp;%.<\/li>\n<li>Vous avez besoin de 40 000 $ par an \u00e0 la retraite pendant 20 ans, au m\u00eame taux.<\/li>\n<\/ul>\n<p><strong>Calcul :<\/strong><\/p>\n<ol>\n<li>$$\\text{VF}_{\\text{accum}} = \\sum_{t=1}^{30} \\left[ 60,000 \\times 0.10 \\times (1.06)^{30 - t} \\right] \\approx 502,257$$<\/li>\n<li>$$\\text{VA}_{\\text{ret}} = 40,000 \\times \\frac{1 - (1.06)^{-20}}{0.06} \\approx 459,230$$<\/li>\n<\/ol>\n<p>Ainsi, votre \u00e9pargne projet\u00e9e devrait suffire \u00e0 financer votre retraite.<\/p>\n\r\n<\/section><\/p>\n<p>Ce calculateur estime \u00e0 la fois la <strong>valeur future de votre \u00e9pargne retraite<\/strong> et la <strong>valeur actuelle du revenu n\u00e9cessaire pendant la retraite<\/strong>. Il est con\u00e7u pour la planification \u00e0 long terme et \u00e9value combien vous devez \u00e9pargner pendant vos ann\u00e9es de travail pour maintenir votre style de vie souhait\u00e9 apr\u00e8s la retraite. Il tient compte de la croissance des placements et de la dur\u00e9e des retraits durant la retraite.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce calculateur de plan de retraite vous aide \u00e0 estimer le montant que vous accumulerez avant la retraite et celui dont vous aurez besoin pour financer votre p\u00e9riode de retraite.<\/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":[7],"class_list":["post-663","post","type-post","status-publish","format-standard","hentry","category-finance","tag-pret-immobilier"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts\/663","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=663"}],"version-history":[{"count":2,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts\/663\/revisions"}],"predecessor-version":[{"id":5131,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/posts\/663\/revisions\/5131"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/media?parent=663"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/categories?post=663"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/fr\/wp-json\/wp\/v2\/tags?post=663"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}