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.bc-ic__btn{width:100%}#bc-ic#bc-ic .bc-ic__tools a{flex:1 1 calc(50% - 10px)}}@media(prefers-reduced-motion:reduce){#bc-ic#bc-ic *{transition:none!important}}<\/style><div class=\"bc-ic\" id=\"bc-ic\"><section class=\"bc-ic__hero\" aria-labelledby=\"bc-ic-h1\"><div class=\"bc-ic__wrap\"><nav class=\"bc-ic__crumbs\" aria-label=\"Fil d&#8217;Ariane\"><ol><li><a href=\"https:\/\/balmontconseil.com\/\">Accueil<\/a><\/li><li><a href=\"https:\/\/balmontconseil.com\/ressources\/tous-nos-simulateurs\/\">Outils<\/a><\/li><li><span aria-current=\"page\">Int&#233;r&#234;ts compos&#233;s<\/span><\/li><\/ol><\/nav><div class=\"bc-ic__hero-grid\"><div><span class=\"bc-ic__tag\">Outil gratuit<\/span><h1 class=\"bc-ic__h1\" id=\"bc-ic-h1\">Simulateur d&#8217;int&#233;r&#234;ts compos&#233;s : ce que le temps et les frais font &#224; votre &#233;pargne<\/h1><p class=\"bc-ic__lede\">Capital, versements, dur&#233;e, rendement, frais et inflation. Le r&#233;sultat est aussi donn&#233; en euros d&#8217;aujourd&#8217;hui, avec trois chiffres que les calculateurs classiques ne montrent pas.<\/p><ul class=\"bc-ic__proofs\"><li>Calcul dans votre navigateur<\/li><li>Aucune donn&#233;e enregistr&#233;e<\/li><li>Con&#231;u par un CIF (ORIAS 13003497)<\/li><\/ul><\/div><aside class=\"bc-ic__fiche\" aria-labelledby=\"bc-ic-fiche\"><h2 class=\"bc-ic__eyebrow\" id=\"bc-ic-fiche\">Fiche de l&#8217;outil<\/h2><dl><div><dt>M&#233;thode<\/dt><dd>Capitalisation mensuelle<\/dd><\/div><div><dt>Dur&#233;e<\/dt><dd>1 minute<\/dd><\/div><div><dt>Mise &#224; jour<\/dt><dd><time datetime=\"2026-11-03\">3 novembre 2026<\/time><\/dd><\/div><div><dt>Auteur<\/dt><dd>Alexis Sagnier, CIF<\/dd><\/div><\/dl><\/aside><\/div><\/div><\/section><section class=\"bc-ic__sim\" id=\"simulateur\" aria-labelledby=\"bc-ic-sim-t\"><div class=\"bc-ic__wrap bc-ic__sim-grid\"><div class=\"bc-ic__card\"><div class=\"bc-ic__card-head\"><h2 class=\"bc-ic__h3\" id=\"bc-ic-sim-t\">Votre &#233;pargne<\/h2><span class=\"bc-ic__step\">Hypoth&#232;ses modifiables<\/span><\/div><form class=\"bc-ic__form\" id=\"bc-ic-form\" novalidate autocomplete=\"off\"><div class=\"bc-ic__field\"><label class=\"bc-ic__label\" for=\"bc-ic-cap\">Capital de d&#233;part<\/label><div class=\"bc-ic__money\"><input id=\"bc-ic-cap\" data-money type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" value=\"20 000 &#8364;\" aria-describedby=\"bc-ic-cap-h bc-ic-err\"><span>&#8364;<\/span><\/div><p class=\"bc-ic__hint\" id=\"bc-ic-cap-h\">Ce que vous placez le premier jour.<\/p><\/div><div class=\"bc-ic__field\"><label class=\"bc-ic__label\" for=\"bc-ic-mens\">Versement mensuel<\/label><div class=\"bc-ic__money\"><input id=\"bc-ic-mens\" data-money type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" value=\"500 &#8364;\" aria-describedby=\"bc-ic-mens-h bc-ic-err\"><span>&#8364; \/ mois<\/span><\/div><p class=\"bc-ic__hint\" id=\"bc-ic-mens-h\">Vers&#233; &#224; la fin de chaque mois.<\/p><p class=\"bc-ic__err\" id=\"bc-ic-err\" role=\"alert\" hidden>Indiquez un capital de d&#233;part ou un versement mensuel sup&#233;rieur &#224; 0 &#8364;.<\/p><\/div><div class=\"bc-ic__field\"><div class=\"bc-ic__duree-head\"><label class=\"bc-ic__label\" for=\"bc-ic-duree\">Dur&#233;e<\/label><output class=\"bc-ic__duree-out\" id=\"bc-ic-duree-out\" for=\"bc-ic-duree\">20 ans<\/output><\/div><div class=\"bc-ic__range-wrap\"><input class=\"bc-ic__range\" id=\"bc-ic-duree\" type=\"range\" min=\"1\" max=\"40\" step=\"1\" value=\"20\" style=\"--p:48.72%\" aria-valuetext=\"20 ans\"><div class=\"bc-ic__ticks\" aria-hidden=\"true\"><span style=\"left:0.00%\">1 an<\/span><span style=\"left:23.08%\">10 ans<\/span><span style=\"left:48.72%\">20 ans<\/span><span style=\"left:100.00%\">40 ans<\/span><\/div><\/div><\/div><div class=\"bc-ic__field\"><label class=\"bc-ic__label\" for=\"bc-ic-rend\">Rendement annuel brut<\/label><div class=\"bc-ic__money\"><input id=\"bc-ic-rend\" data-pct type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"5,0\" aria-describedby=\"bc-ic-rend-h\"><span>% par an<\/span><\/div><div class=\"bc-ic__chips\" id=\"bc-ic-chips\" role=\"group\" aria-label=\"Rep&#232;res de rendement\"><button type=\"button\" data-r=\"3\" aria-pressed=\"false\">Prudent 3 %<\/button><button type=\"button\" data-r=\"5\" aria-pressed=\"true\">&#201;quilibr&#233; 5 %<\/button><button type=\"button\" data-r=\"7\" aria-pressed=\"false\">Dynamique 7 %<\/button><\/div><p class=\"bc-ic__hint\" id=\"bc-ic-rend-h\">Hypoth&#232;se de calcul, pas une pr&#233;vision : ni le pass&#233; ni un fonds ne garantissent ce rendement.<\/p><\/div><div class=\"bc-ic__field\"><div class=\"bc-ic__pair\"><div><label class=\"bc-ic__label\" for=\"bc-ic-frais\">Frais annuels<\/label><div class=\"bc-ic__money\"><input id=\"bc-ic-frais\" data-pct type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"1,2\" aria-describedby=\"bc-ic-frais-h\"><span>%<\/span><\/div><\/div><div><label class=\"bc-ic__label\" for=\"bc-ic-infl\">Inflation annuelle<\/label><div class=\"bc-ic__money\"><input id=\"bc-ic-infl\" data-pct type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"2,0\"><span>%<\/span><\/div><\/div><\/div><p class=\"bc-ic__hint\" id=\"bc-ic-frais-h\">Frais = enveloppe + gestion + supports. Indiquez ceux de votre contrat : sur longue dur&#233;e, ils retirent une part importante des int&#233;r&#234;ts.<\/p><\/div><div class=\"bc-ic__actions\"><button type=\"submit\" class=\"bc-ic__btn bc-ic__btn--dark\">Calculer<\/button><button type=\"button\" class=\"bc-ic__btn bc-ic__btn--line\" id=\"bc-ic-reset\">R&#233;initialiser<\/button><\/div><p class=\"bc-ic__privacy\">Le calcul s&#8217;effectue dans votre navigateur. Rien n&#8217;est envoy&#233; tant que vous ne le demandez pas.<\/p><\/form><\/div><div class=\"bc-ic__result\" id=\"bc-ic-result\" aria-live=\"polite\"><div class=\"bc-ic__result-head\"><h2 class=\"bc-ic__eyebrow\" id=\"bc-ic-result-title\" tabindex=\"-1\">Votre estimation<\/h2><span class=\"bc-ic__badge\" id=\"bc-ic-badge\">Exemple<\/span><\/div><p class=\"bc-ic__amount\" id=\"bc-ic-amount\">220 201 &#8364;<\/p><p class=\"bc-ic__amount-lbl\" id=\"bc-ic-amount-lbl\">de capital estim&#233; dans 20 ans, en valeur nominale, avant imp&#244;ts et pr&#233;l&#232;vements sociaux<\/p><dl class=\"bc-ic__stats\"><div><dt id=\"bc-ic-reel-l\">en euros d&#8217;aujourd&#8217;hui (inflation 2 %)<\/dt><dd id=\"bc-ic-reel\">148 189 &#8364;<\/dd><\/div><div><dt id=\"bc-ic-verse-l\">vers&#233;s par vous<\/dt><dd id=\"bc-ic-verse\">140 000 &#8364;<\/dd><\/div><div><dt id=\"bc-ic-int-l\">d&#8217;int&#233;r&#234;ts, soit 36 % du capital<\/dt><dd id=\"bc-ic-int\">80 201 &#8364;<\/dd><\/div><\/dl><div class=\"bc-ic__bar\" id=\"bc-ic-bar\" role=\"img\" aria-label=\"Vers&#233; : 140 000 &#8364;, int&#233;r&#234;ts : 80 201 &#8364;\"><span class=\"is-verse\" style=\"width:63.58%\"><\/span><span class=\"is-int\" style=\"width:36.42%\"><\/span><\/div><div class=\"bc-ic__chart-head\"><h3>Votre capital ann&#233;e par ann&#233;e<\/h3><ul class=\"bc-ic__legend\"><li>Vers&#233;<\/li><li>Int&#233;r&#234;ts<\/li><\/ul><\/div><div class=\"bc-ic__chart\" id=\"bc-ic-chart\" role=\"img\" aria-label=\"Capital ann&#233;e par ann&#233;e, de 20 000 &#8364; au d&#233;part &#224; 220 201 &#8364; au bout de 20 ans, dont 140 000 &#8364; vers&#233;s\"><div class=\"bc-ic__col\" style=\"height:9.08%\"><i class=\"is-verse\" style=\"flex:20000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:12.20%\"><i class=\"is-int\" style=\"flex:863.80 1 0\"><\/i><i class=\"is-verse\" style=\"flex:26000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:15.44%\"><i class=\"is-int\" style=\"flex:1988.42 1 0\"><\/i><i class=\"is-verse\" style=\"flex:32000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:18.79%\"><i class=\"is-int\" style=\"flex:3383.77 1 0\"><\/i><i class=\"is-verse\" style=\"flex:38000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:22.28%\"><i class=\"is-int\" style=\"flex:5060.15 1 0\"><\/i><i class=\"is-verse\" style=\"flex:44000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:25.90%\"><i class=\"is-int\" style=\"flex:7028.23 1 0\"><\/i><i class=\"is-verse\" style=\"flex:50000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:29.65%\"><i class=\"is-int\" style=\"flex:9299.10 1 0\"><\/i><i class=\"is-verse\" style=\"flex:56000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:33.55%\"><i class=\"is-int\" style=\"flex:11884.27 1 0\"><\/i><i class=\"is-verse\" style=\"flex:62000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:37.60%\"><i class=\"is-int\" style=\"flex:14795.66 1 0\"><\/i><i class=\"is-verse\" style=\"flex:68000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:41.80%\"><i class=\"is-int\" style=\"flex:18045.70 1 0\"><\/i><i class=\"is-verse\" style=\"flex:74000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:46.16%\"><i class=\"is-int\" style=\"flex:21647.23 1 0\"><\/i><i class=\"is-verse\" style=\"flex:80000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:50.69%\"><i class=\"is-int\" style=\"flex:25613.62 1 0\"><\/i><i class=\"is-verse\" style=\"flex:86000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:55.39%\"><i class=\"is-int\" style=\"flex:29958.73 1 0\"><\/i><i class=\"is-verse\" style=\"flex:92000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:60.26%\"><i class=\"is-int\" style=\"flex:34696.96 1 0\"><\/i><i class=\"is-verse\" style=\"flex:98000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:65.32%\"><i class=\"is-int\" style=\"flex:39843.24 1 0\"><\/i><i class=\"is-verse\" style=\"flex:104000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:70.58%\"><i class=\"is-int\" style=\"flex:45413.08 1 0\"><\/i><i class=\"is-verse\" style=\"flex:110000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:76.03%\"><i class=\"is-int\" style=\"flex:51422.58 1 0\"><\/i><i class=\"is-verse\" style=\"flex:116000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:81.69%\"><i class=\"is-int\" style=\"flex:57888.43 1 0\"><\/i><i class=\"is-verse\" style=\"flex:122000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:87.57%\"><i class=\"is-int\" style=\"flex:64827.99 1 0\"><\/i><i class=\"is-verse\" style=\"flex:128000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:93.67%\"><i class=\"is-int\" style=\"flex:72259.25 1 0\"><\/i><i class=\"is-verse\" style=\"flex:134000.00 1 0\"><\/i><\/div><div class=\"bc-ic__col\" style=\"height:100.00%\"><i class=\"is-int\" style=\"flex:80200.89 1 0\"><\/i><i class=\"is-verse\" style=\"flex:140000.00 1 0\"><\/i><\/div><\/div><div class=\"bc-ic__axis\" id=\"bc-ic-axis\" aria-hidden=\"true\"><span style=\"left:0%\">D&#233;part<\/span><span style=\"left:26.19%\">5<\/span><span style=\"left:50.00%\">10<\/span><span style=\"left:73.81%\">15<\/span><span style=\"left:100%\">20 ans<\/span><\/div><details class=\"bc-ic__table-toggle\"><summary>Voir les chiffres ann&#233;e par ann&#233;e<\/summary><div class=\"bc-ic__table-wrap\"><table class=\"bc-ic__ytable\"><thead><tr><th scope=\"col\">Ann&#233;e<\/th><th scope=\"col\">Vers&#233;<\/th><th scope=\"col\">Int&#233;r&#234;ts<\/th><th scope=\"col\">Capital<\/th><\/tr><\/thead><tbody id=\"bc-ic-rows\"><tr><td>D&#233;part<\/td><td>20 000 &#8364;<\/td><td>0 &#8364;<\/td><td>20 000 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 1<\/td><td>26 000 &#8364;<\/td><td>864 &#8364;<\/td><td>26 864 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 2<\/td><td>32 000 &#8364;<\/td><td>1 988 &#8364;<\/td><td>33 988 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 3<\/td><td>38 000 &#8364;<\/td><td>3 384 &#8364;<\/td><td>41 384 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 4<\/td><td>44 000 &#8364;<\/td><td>5 060 &#8364;<\/td><td>49 060 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 5<\/td><td>50 000 &#8364;<\/td><td>7 028 &#8364;<\/td><td>57 028 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 6<\/td><td>56 000 &#8364;<\/td><td>9 299 &#8364;<\/td><td>65 299 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 7<\/td><td>62 000 &#8364;<\/td><td>11 884 &#8364;<\/td><td>73 884 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 8<\/td><td>68 000 &#8364;<\/td><td>14 796 &#8364;<\/td><td>82 796 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 9<\/td><td>74 000 &#8364;<\/td><td>18 046 &#8364;<\/td><td>92 046 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 10<\/td><td>80 000 &#8364;<\/td><td>21 647 &#8364;<\/td><td>101 647 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 11<\/td><td>86 000 &#8364;<\/td><td>25 614 &#8364;<\/td><td>111 614 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 12<\/td><td>92 000 &#8364;<\/td><td>29 959 &#8364;<\/td><td>121 959 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 13<\/td><td>98 000 &#8364;<\/td><td>34 697 &#8364;<\/td><td>132 697 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 14<\/td><td>104 000 &#8364;<\/td><td>39 843 &#8364;<\/td><td>143 843 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 15<\/td><td>110 000 &#8364;<\/td><td>45 413 &#8364;<\/td><td>155 413 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 16<\/td><td>116 000 &#8364;<\/td><td>51 423 &#8364;<\/td><td>167 423 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 17<\/td><td>122 000 &#8364;<\/td><td>57 888 &#8364;<\/td><td>179 888 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 18<\/td><td>128 000 &#8364;<\/td><td>64 828 &#8364;<\/td><td>192 828 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 19<\/td><td>134 000 &#8364;<\/td><td>72 259 &#8364;<\/td><td>206 259 &#8364;<\/td><\/tr><tr><td>Ann&#233;e 20<\/td><td>140 000 &#8364;<\/td><td>80 201 &#8364;<\/td><td>220 201 &#8364;<\/td><\/tr><\/tbody><\/table><\/div><\/details><p class=\"bc-ic__note\">Hypoth&#232;ses saisies, pas une pr&#233;vision. R&#233;sultat avant imp&#244;ts et pr&#233;l&#232;vements sociaux ; les frais sont d&#233;duits chaque ann&#233;e du rendement.<\/p><\/div><\/div><\/section><section class=\"bc-ic__section\" style=\"padding-top:0\" aria-labelledby=\"bc-ic-p-t\"><div class=\"bc-ic__wrap\"><h2 class=\"bc-ic__h2 bc-ic__proof-intro\" id=\"bc-ic-p-t\">Trois chiffres que les calculateurs classiques ne montrent pas<\/h2><div class=\"bc-ic__proof-grid\" id=\"bc-ic-proofs\"><article class=\"bc-ic__proof\"><span class=\"bc-ic__eyebrow\">Le point de bascule<\/span><strong>Ann&#233;e 16<\/strong><p>C&#8217;est &#224; partir de la 16e ann&#233;e que les int&#233;r&#234;ts gagn&#233;s en un an (6 009 &#8364;) d&#233;passent ce que vous versez dans l&#8217;ann&#233;e (6 000 &#8364;). Avant, c&#8217;est votre effort qui fait le capital.<\/p><\/article><article class=\"bc-ic__proof\"><span class=\"bc-ic__eyebrow\">Ce que co&#251;tent vos frais<\/span><strong>&#8722;35 767 &#8364;<\/strong><p>Vos frais de 1,2 % retirent 31 % des int&#233;r&#234;ts bruts sur 20 ans. Sans frais, vous arriveriez &#224; 255 968 &#8364;.<\/p><\/article><article class=\"bc-ic__proof\"><span class=\"bc-ic__eyebrow\">Ce que co&#251;te d&#8217;attendre<\/span><strong>&#8722;57 614 &#8364;<\/strong><p>Si vous ne commencez vos versements que dans 5 ans (capital de d&#233;part plac&#233; tout de suite, m&#234;me dur&#233;e de 20 ans), vous arrivez &#224; 162 587 &#8364;.<\/p><\/article><\/div><\/div><\/section><section class=\"bc-ic__next\" aria-labelledby=\"bc-ic-n-t\"><div class=\"bc-ic__wrap\"><p class=\"bc-ic__eyebrow\">Et ensuite ?<\/p><h2 class=\"bc-ic__h2\" id=\"bc-ic-n-t\">Ces chiffres d&#233;pendent de vos frais r&#233;els. Regardons-les ensemble.<\/h2><p class=\"bc-ic__next-txt\">Un conseiller en investissements financiers analyse vos contrats et ce qu&#8217;ils vous co&#251;tent r&#233;ellement. Trente minutes, sans engagement.<\/p><div class=\"bc-ic__next-btns\"><a class=\"bc-ic__btn bc-ic__btn--lime\" href=\"https:\/\/calendly.com\/asagnier-balmontconseil\/echange\" target=\"_blank\" rel=\"noopener\">R&#233;server 30 minutes<\/a><a class=\"bc-ic__next-link\" href=\"https:\/\/balmontconseil.com\/comparateur-frais-assurance-vie\/\">Comparer d&#8217;abord les frais de mon assurance-vie &#8594;<\/a><\/div><div id=\"bc-ic-capture\"><\/div><\/div><\/section><section class=\"bc-ic__band\" aria-labelledby=\"bc-ic-m-t\"><div class=\"bc-ic__wrap\"><p class=\"bc-ic__eyebrow\">M&#233;thode<\/p><h2 class=\"bc-ic__h2\" id=\"bc-ic-m-t\" style=\"margin-top:8px\">Comprendre votre r&#233;sultat en trois id&#233;es<\/h2><ol class=\"bc-ic__steps\"><li><span class=\"bc-ic__num\" aria-hidden=\"true\">1<\/span><h3>La capitalisation mensuelle<\/h3><p>Chaque mois, les int&#233;r&#234;ts sont ajout&#233;s au capital, puis rapportent &#224; leur tour. Votre versement est ajout&#233; en fin de mois.<\/p><\/li><li><span class=\"bc-ic__num\" aria-hidden=\"true\">2<\/span><h3>Les frais, retir&#233;s chaque ann&#233;e<\/h3><p>Le rendement net est le rendement brut moins les frais annuels. Avec 5 % de rendement et 1,2 % de frais, votre &#233;pargne progresse de 3,8 % par an, pas de 5 %.<\/p><\/li><li><span class=\"bc-ic__num\" aria-hidden=\"true\">3<\/span><h3>L&#8217;inflation et les imp&#244;ts<\/h3><p>Le capital final est aussi ramen&#233; en euros d&#8217;aujourd&#8217;hui : une somme future ach&#232;te moins qu&#8217;une somme pr&#233;sente. Le r&#233;sultat reste avant imp&#244;ts et pr&#233;l&#232;vements sociaux, qui d&#233;pendent de l&#8217;enveloppe.<\/p><\/li><\/ol><\/div><\/section><section class=\"bc-ic__section\" aria-labelledby=\"bc-ic-f-t\"><div class=\"bc-ic__wrap bc-ic__faq-grid\"><div><p class=\"bc-ic__eyebrow\">FAQ<\/p><h2 class=\"bc-ic__h2\" id=\"bc-ic-f-t\" style=\"margin-top:8px\">Questions fr&#233;quentes<\/h2><\/div><div class=\"bc-ic__faq-list\"><div><h3>Comment sont calcul&#233;s les int&#233;r&#234;ts compos&#233;s ?<\/h3><p>Le simulateur capitalise chaque mois. Le rendement net annuel (rendement brut moins frais annuels) est converti en taux mensuel &#233;quivalent, et chaque versement est ajout&#233; en fin de mois. Les int&#233;r&#234;ts d&#8217;un mois portent eux-m&#234;mes int&#233;r&#234;ts les mois suivants.<\/p><\/div><div><h3>Pourquoi le r&#233;sultat est-il avant imp&#244;ts ?<\/h3><p>La fiscalit&#233; d&#233;pend de l&#8217;enveloppe (assurance-vie, PEA, compte-titres, PER) et de votre situation. Ce simulateur n&#8217;en suppose aucune : il donne un ordre de grandeur brut, avant imp&#244;ts et pr&#233;l&#232;vements sociaux.<\/p><\/div><div><h3>Quel rendement choisir ?<\/h3><p>Aucun rendement n&#8217;est garanti, et les performances pass&#233;es ne pr&#233;jugent pas des performances futures. Les trois rep&#232;res propos&#233;s (3, 5 et 7 %) sont des hypoth&#232;ses de calcul, pas des pr&#233;visions : testez-en plusieurs pour mesurer l&#8217;&#233;cart sur votre dur&#233;e.<\/p><\/div><div><h3>Que signifie le point de bascule ?<\/h3><p>C&#8217;est la premi&#232;re ann&#233;e o&#249; les int&#233;r&#234;ts gagn&#233;s dans l&#8217;ann&#233;e d&#233;passent ce que vous y versez. &#192; partir de l&#224;, votre capital progresse davantage gr&#226;ce &#224; ses int&#233;r&#234;ts que gr&#226;ce &#224; vos versements.<\/p><\/div><div><h3>O&#249; trouver les frais r&#233;els de mon contrat ?<\/h3><p>Dans le document d&#8217;informations cl&#233;s et dans le relev&#233; annuel de votre contrat. Le comparateur de frais d&#8217;assurance-vie du site permet de les mettre en regard de ce que vous payez.<\/p><\/div><div><h3>Mes donn&#233;es sont-elles conserv&#233;es ?<\/h3><p>Non. Le calcul s&#8217;effectue dans votre navigateur : rien n&#8217;est envoy&#233; tant que vous ne demandez pas &#224; enregistrer votre r&#233;sultat, &#224; recevoir ce calcul par e-mail ou &#224; &#234;tre rappel&#233;.<\/p><\/div><\/div><\/div><\/section><section class=\"bc-ic__others\" aria-labelledby=\"bc-ic-o-t\"><div class=\"bc-ic__wrap\"><p class=\"bc-ic__eyebrow\" id=\"bc-ic-o-t\">Autres simulateurs<\/p><ul class=\"bc-ic__tools\"><li><a href=\"https:\/\/balmontconseil.com\/ressources\/simulateur-cout-inaction-patrimoniale\/\">Co&#251;t de l&#8217;inaction<\/a><\/li><li><a href=\"https:\/\/balmontconseil.com\/comparateur-frais-assurance-vie\/\">Comparateur des frais<\/a><\/li><li><a href=\"https:\/\/balmontconseil.com\/ressources\/simulateur-per-ou-assurance-vie\/\">PER ou assurance-vie<\/a><\/li><li><a href=\"https:\/\/balmontconseil.com\/ressources\/simulateur-impot-sur-le-revenu\/\">Imp&#244;t sur le revenu<\/a><\/li><li><a href=\"https:\/\/balmontconseil.com\/ressources\/tous-nos-simulateurs\/\">Tous les simulateurs<\/a><\/li><\/ul><p class=\"bc-ic__legal\">Estimation indicative fond&#233;e sur vos hypoth&#232;ses : elle ne constitue ni une pr&#233;vision ni un conseil personnalis&#233;. Les performances pass&#233;es ne pr&#233;jugent pas des performances futures.<\/p><\/div><\/section><\/div><noscript><p style=\"font:15px\/1.5 sans-serif;padding:16px;max-width:1200px;margin:0 auto\">Le simulateur n&#233;cessite JavaScript. L&#8217;exemple affich&#233; correspond &#224; un capital de 20 000 &#8364;, un versement de 500 &#8364; par mois pendant 20 ans, un rendement brut de 5 % et 1,2 % de frais annuels.<\/p><\/noscript><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebApplication\",\"name\":\"Simulateur d\u2019int\u00e9r\u00eats compos\u00e9s\",\"url\":\"https:\/\/balmontconseil.com\/en\/ressources\/simulateur-interets-composes\/\",\"applicationCategory\":\"FinanceApplication\",\"operatingSystem\":\"Tous\",\"inLanguage\":\"en-GB\",\"isAccessibleForFree\":true,\"offers\":{\"@type\":\"Offer\",\"price\":\"0\",\"priceCurrency\":\"EUR\"},\"dateModified\":\"2026-11-03\",\"author\":{\"@type\":\"Person\",\"name\":\"Alexis Sagnier\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Balmont Conseil\",\"url\":\"https:\/\/balmontconseil.com\/en\/\"}},{\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/balmontconseil.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Outils\",\"item\":\"https:\/\/balmontconseil.com\/en\/ressources\/tous-nos-simulateurs\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Int\u00e9r\u00eats compos\u00e9s\",\"item\":\"https:\/\/balmontconseil.com\/en\/ressources\/simulateur-interets-composes\/\"}]},{\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Comment sont calcul\u00e9s les int\u00e9r\u00eats compos\u00e9s ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le simulateur capitalise chaque mois. 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