{"id":3155,"date":"2024-09-05T09:06:36","date_gmt":"2024-09-05T07:06:36","guid":{"rendered":"https:\/\/www.feodus-finance.fr\/defiscalisation\/?p=3155"},"modified":"2024-09-10T10:09:00","modified_gmt":"2024-09-10T08:09:00","slug":"livret-a-interets-calculs","status":"publish","type":"post","link":"https:\/\/www.feodus-finance.fr\/defiscalisation\/livret-a-interets-calculs\/","title":{"rendered":"Livret A : comment sont calcul\u00e9s ses int\u00e9r\u00eats ?"},"content":{"rendered":"\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Le <strong>Livret A<\/strong> est un compte d&#8217;\u00e9pargne r\u00e9glement\u00e9 , accessible \u00e0 tous et b\u00e9n\u00e9ficiant d&#8217;un taux d&#8217;int\u00e9r\u00eat d\u00e9fiscalis\u00e9. Le taux d&#8217;int\u00e9r\u00eat annuel du livret A est actuellement de 3% mais comment sont calcul\u00e9s ses int\u00e9r\u00eats ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les int\u00e9r\u00eats sont calcul\u00e9s <strong>le 1<sup>er<\/sup>&nbsp;et le 16 de chaque mois.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La date de valeur prise en compte pour le calcul des int\u00e9r\u00eats <strong>varie suivant la date de l&#8217;op\u00e9ration<\/strong> (<strong>d\u00e9p\u00f4t ou retrait<\/strong>), ainsi :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-base-2-color has-accent-background-color has-text-color has-background has-link-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Op\u00e9ration<\/th><th>Jusqu&#8217;au 15 du mois courant<\/th><th>\u00c0 partir du 16 du mois courant<\/th><\/tr><\/thead><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\">D\u00e9p\u00f4t<\/th><td>                    16 du m\u00eame mois<\/td><td>                 1<sup>er<\/sup>&nbsp;jour du mois suivant<\/td><\/tr><tr><th class=\"has-text-align-center\" data-align=\"center\">Retrait<\/th><td>           Dernier jour du mois pr\u00e9c\u00e9dent<\/td><td>                          15 du mois<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les sommes d\u00e9pos\u00e9es produisent des int\u00e9r\u00eats si elles sont plac\u00e9es par quinzaines enti\u00e8res.<\/p>\n\n\n\n<p class=\"has-base-2-color has-accent-background-color has-text-color has-background has-link-color wp-elements-2ba1b19cbe9bddfae2b80f691b92543b wp-block-paragraph\"><strong>Exemple&nbsp;:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous d\u00e9posez de l&#8217;argent sur votre livret A entre le 1<sup>er<\/sup>&nbsp;mai et le 15 mai, le <strong>d\u00e9p\u00f4t<\/strong> sera pris en compte par la banque le 16 mai.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous d\u00e9posez de l&#8217;argent sur votre livret A entre le 16 mai et 31 mai, le <strong>d\u00e9p\u00f4t<\/strong> sera pris en compte par la banque le 1<sup>er<\/sup>&nbsp;juin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous retirez de l&#8217;argent de votre livret A entre le 1<sup>er<\/sup>&nbsp;mai et le 15 mai, le <strong>retrait<\/strong> sera pris en compte le 30 avril.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous retirez de l&#8217;argent sur votre livret A entre le 16 et le 31 mai, le <strong>retrait<\/strong> sera pris en compte le 15 mai.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Au 31 d\u00e9cembre de chaque ann\u00e9e, les int\u00e9r\u00eats cumul\u00e9s sur l&#8217;ann\u00e9e s&#8217;ajoutent au capital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;ajout des int\u00e9r\u00eats au 31 d\u00e9cembre peut porter la valeur du livret au-del\u00e0 de&nbsp;<strong>22&nbsp;950&nbsp;\u20ac<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les int\u00e9r\u00eats ajout\u00e9s au capital en fin d&#8217;ann\u00e9e produisent \u00e0 leur tour des int\u00e9r\u00eats l&#8217;ann\u00e9e suivante bien que le plafond soit d\u00e9j\u00e0 d\u00e9pass\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le Livret A est un compte d&#8217;\u00e9pargne r\u00e9glement\u00e9 , accessible \u00e0 tous et b\u00e9n\u00e9ficiant d&#8217;un taux d&#8217;int\u00e9r\u00eat d\u00e9fiscalis\u00e9. Le taux d&#8217;int\u00e9r\u00eat annuel du livret A est actuellement de 3% mais comment sont calcul\u00e9s ses int\u00e9r\u00eats ? Les int\u00e9r\u00eats sont calcul\u00e9s le 1er&nbsp;et le 16 de chaque mois. La date de valeur prise en compte pour &#8230; <a title=\"Livret A : comment sont calcul\u00e9s ses int\u00e9r\u00eats ?\" class=\"read-more\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/livret-a-interets-calculs\/\" aria-label=\"En savoir plus sur Livret A : comment sont calcul\u00e9s ses int\u00e9r\u00eats ?\">Lire plus<\/a><\/p>\n","protected":false},"author":3,"featured_media":1801,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3155","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dossier","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Livret A : comment sont calcul\u00e9s ses int\u00e9r\u00eats ? - Feodus<\/title>\n<meta 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