{"id":1258,"date":"2026-09-18T22:29:30","date_gmt":"2026-09-18T22:29:30","guid":{"rendered":"https:\/\/neverlosebitcoin.com\/?page_id=1258"},"modified":"2026-10-13T15:41:31","modified_gmt":"2026-10-13T15:41:31","slug":"pension","status":"publish","type":"page","link":"https:\/\/neverlosebitcoin.com\/fr\/calculators\/pension\/","title":{"rendered":"Calculateur de retraite en bitcoins"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Une petite \u00e9pargne mensuelle en bitcoins peut, au fil des d\u00e9cennies, se transformer en une \u00e9pargne consid\u00e9rable. Indiquez votre \u00e2ge, votre objectif de retraite et votre montant mensuel pour estimer la valeur que pourrait atteindre votre \u00e9pargne \u00e0 votre d\u00e9part \u00e0 la retraite. Une \u00e9pargne destin\u00e9e \u00e0 durer des d\u00e9cennies m\u00e9rite une protection s\u00e9rieuse : notre <a href=\"https:\/\/neverlosebitcoin.com\/fr\/wizard\/\">Assistant de compatibilit\u00e9 Multisig<\/a> vous aide \u00e0 mettre en place une solution de conservation \u00e0 long terme. Si vous n'avez pas encore choisi de mode de conservation, commencez par consulter notre guide sur la <a href=\"https:\/\/neverlosebitcoin.com\/fr\/best-bitcoin-wallet\/\">le meilleur portefeuille Bitcoin<\/a>.<\/p>\n\n\n\n<div class=\"nlb-calc\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n<style>\n.nlb-calc { font-family: 'Inter', system-ui, -apple-system, sans-serif; background: #F7FAFC; border: 1px solid #E5E7EB; border-radius: 20px; padding: 32px; max-width: 720px; margin: 0 auto; color: #0F172A; }\n.nlb-calc h3 { font-size: 24px; font-weight: 800; letter-spacing: -0.02em; margin: 0 0 6px; }\n.nlb-calc .nlb-sub { color: #64748B; font-size: 15px; margin: 0 0 24px; line-height: 1.6; }\n.nlb-calc .nlb-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 20px; }\n.nlb-calc label { display: block; font-size: 13px; font-weight: 600; color: #475569; margin-bottom: 6px; }\n.nlb-calc input { width: 100%; box-sizing: border-box; font-family: inherit; font-size: 16px; font-weight: 600; padding: 12px 14px; border: 1px solid #E5E7EB; border-radius: 12px; background: #FFFFFF; color: #0F172A; outline: none; transition: border-color .15s, box-shadow .15s; }\n.nlb-calc input:focus { border-color: #F7931A; box-shadow: 0 0 0 3px rgba(247,147,26,.15); }\n.nlb-calc button.nlb-btn { font-family: inherit; font-size: 16px; font-weight: 700; color: #fff; background: #F7931A; border: none; border-radius: 12px; padding: 14px 28px; cursor: pointer; transition: transform .1s, background .15s; }\n.nlb-calc button.nlb-btn:hover { background: #E8850C; }\n.nlb-calc button.nlb-btn:active { transform: scale(.98); }\n.nlb-calc .nlb-results { display: none; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 24px; }\n.nlb-calc .nlb-results.show { display: grid; }\n.nlb-calc .nlb-stat { background: #FFFFFF; border: 1px solid #E5E7EB; border-radius: 14px; padding: 18px 16px; }\n.nlb-calc .nlb-stat.wide { grid-column: 1 \/ -1; text-align: center; padding: 26px 16px; }\n.nlb-calc .nlb-stat .nlb-k { font-size: 12px; font-weight: 600; color: #94A3B8; text-transform: uppercase; letter-spacing: .04em; margin-bottom: 6px; }\n.nlb-calc .nlb-stat .nlb-v { font-size: 22px; font-weight: 800; letter-spacing: -0.02em; }\n.nlb-calc .nlb-stat.wide .nlb-v { font-size: 40px; color: #F7931A; letter-spacing: -0.03em; }\n.nlb-calc .nlb-fine { font-size: 12px; color: #94A3B8; margin: 20px 0 0; line-height: 1.6; }\n@media (max-width: 560px) { .nlb-calc .nlb-grid, .nlb-calc .nlb-results { grid-template-columns: 1fr; } .nlb-calc { padding: 24px 20px; } .nlb-calc .nlb-stat.wide .nlb-v { font-size: 30px; } }\nbody.color-switch-dark .nlb-calc { background: #151B24; border-color: #2D333B; color: #F1F5F9; }\nbody.color-switch-dark .nlb-calc .nlb-sub { color: #94A3B8; }\nbody.color-switch-dark .nlb-calc label { color: #CBD5E1; }\nbody.color-switch-dark .nlb-calc input { background: #0B0E13; border-color: #2D333B; color: #F1F5F9; }\nbody.color-switch-dark .nlb-calc .nlb-stat { background: #0B0E13; border-color: #2D333B; }\n<\/style>\n<h3>Calculateur de retraite en bitcoins<\/h3>\n<p class=\"nlb-sub\">Quelle valeur pourrait avoir une \u00e9pargne mensuelle en bitcoins au moment de votre d\u00e9part \u00e0 la retraite ?<\/p>\n<div class=\"nlb-grid\">\n  <div><label for=\"pen-age\">Ton \u00e2ge aujourd'hui<\/label><input id=\"pen-age\" type=\"number\" value=\"30\" min=\"16\" max=\"100\"><\/div>\n  <div><label for=\"pen-retire\">\u00c2ge de la retraite<\/label><input id=\"pen-retire\" type=\"number\" value=\"60\" min=\"17\" max=\"100\"><\/div>\n  <div><label for=\"pen-monthly\">Investissement mensuel (en dollars am\u00e9ricains)<\/label><input id=\"pen-monthly\" type=\"number\" value=\"200\" min=\"1\"><\/div>\n  <div><label for=\"pen-growth\">Croissance annuelle suppos\u00e9e (%)<\/label><input id=\"pen-growth\" type=\"number\" value=\"25\" min=\"-90\" max=\"1000\"><\/div>\n<\/div>\n<button class=\"nlb-btn\" id=\"pen-btn\">Calculer<\/button>\n<div class=\"nlb-results\" id=\"pen-results\">\n  <div class=\"nlb-stat wide\"><div class=\"nlb-k\">Portefeuille pr\u00e9vu \u00e0 la retraite<\/div><div class=\"nlb-v\" id=\"pen-value\">\u2013<\/div><\/div>\n  <div class=\"nlb-stat\"><div class=\"nlb-k\">Montant total investi<\/div><div class=\"nlb-v\" id=\"pen-invested\">\u2013<\/div><\/div>\n  <div class=\"nlb-stat\"><div class=\"nlb-k\">Bitcoin accumul\u00e9<\/div><div class=\"nlb-v\" id=\"pen-btc\">\u2013<\/div><\/div>\n<\/div>\n<p class=\"nlb-fine\">Il s'agit uniquement d'une projection, et non d'un conseil financier. Ce sc\u00e9nario part du principe que le cours du bitcoin \u00e9volue de mani\u00e8re r\u00e9guli\u00e8re au rythme que vous avez d\u00e9fini, avec des achats mensuels. Il ne tient pas compte de l'inflation, des imp\u00f4ts ni des frais, et il convient de noter que les march\u00e9s r\u00e9els sont volatils. Les performances pass\u00e9es ne garantissent en aucun cas les r\u00e9sultats futurs.<\/p>\n<script>\n(function(){\n  var PRICE = 81200;\n  fetch('https:\/\/api.coingecko.com\/api\/v3\/simple\/price?ids=bitcoin&vs_currencies=usd')\n    .then(function(r){ return r.json(); })\n    .then(function(j){ if (j && j.bitcoin && j.bitcoin.usd) PRICE = j.bitcoin.usd; })\n    .catch(function(){});\n  function fmt(n){ return '$' + Math.round(n).toLocaleString('en-US'); }\n  document.getElementById('pen-btn').addEventListener('click', function(){\n    var age = parseFloat(document.getElementById('pen-age').value) || 30;\n    var ret = parseFloat(document.getElementById('pen-retire').value) || 60;\n    var monthly = parseFloat(document.getElementById('pen-monthly').value) || 0;\n    var g = (parseFloat(document.getElementById('pen-growth').value) || 0) \/ 100;\n    var years = Math.max(ret - age, 0), months = Math.round(years * 12), btc = 0;\n    for (var m = 0; m < months; m++) { btc += monthly \/ (PRICE * Math.pow(1 + g, m \/ 12)); }\n    var endPrice = PRICE * Math.pow(1 + g, years);\n    document.getElementById('pen-value').textContent = fmt(btc * endPrice);\n    document.getElementById('pen-invested').textContent = fmt(monthly * months);\n    document.getElementById('pen-btc').textContent = btc.toFixed(btc < 0.01 ? 6 : 4) + ' BTC';\n    document.getElementById('pen-results').classList.add('show');\n  });\n})();\n<\/script>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Foire aux questions<\/h2>\n\n\n<style>.kt-accordion-id1258_ee416c-b0 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;}.kt-accordion-id1258_ee416c-b0 .kt-accordion-panel-inner{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id1258_ee416c-b0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 767px){.kt-accordion-id1258_ee416c-b0 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id1258_ee416c-b0 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id1258_ee416c-b0 kt-accordion-has-4-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane1258_5e5b6e-53\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">\u00c0 quoi sert le calculateur de retraite ?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Cet outil estime la valeur qu'un investissement mensuel fixe en bitcoins pourrait atteindre d'ici \u00e0 votre d\u00e9part \u00e0 la retraite. Vous devez indiquer votre \u00e2ge actuel, votre \u00e2ge de d\u00e9part \u00e0 la retraite, le montant mensuel investi et un taux de croissance annuel suppos\u00e9.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane1258_6c8e25-ef\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Quel taux de croissance dois-je retenir ?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">La valeur par d\u00e9faut est de 25 % par an, mais vous pouvez la modifier. La page pr\u00e9cise que les projections reposent sur l'hypoth\u00e8se d'une croissance r\u00e9guli\u00e8re au taux que vous avez d\u00e9fini, ce qui ne correspondra pas \u00e0 la volatilit\u00e9 r\u00e9elle du march\u00e9.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane1258_080fac-b4\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Ce montant tient-il compte de l'inflation, des frais ou des taxes ?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Non. Ce mod\u00e8le pr\u00e9voit que le montant investi fructifie au taux suppos\u00e9, sans tenir compte des frais, de l'inflation ni des imp\u00f4ts. Le pouvoir d'achat r\u00e9el serait donc inf\u00e9rieur.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane1258_2498e0-ce\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">S'agit-il d'un conseil financier ?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Non. La page pr\u00e9cise que ce r\u00e9sultat n'est qu'une estimation et ne constitue en aucun cas un conseil financier. C'est \u00e0 vous de d\u00e9cider comment \u00e9pargner pour votre retraite.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>A small monthly bitcoin habit can compound into serious savings over the decades. Enter your age, your retirement goal, and your monthly amount to project what your stack could be worth when you retire. A stack meant to last decades deserves serious protection: our Multisig Compatibility Wizard helps you design a long-term custody setup. If&#8230;<\/p>","protected":false},"author":5,"featured_media":1918,"parent":1237,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1258","page","type-page","status-publish","has-post-thumbnail","hentry"],"taxonomy_info":[],"featured_image_src_large":["https:\/\/neverlosebitcoin.com\/wp-content\/uploads\/2026\/09\/nlb-default-thumbnail-1024x576.webp",1024,576,true],"author_info":{"display_name":"WUMBOLOVER","author_link":"https:\/\/neverlosebitcoin.com\/fr\/author\/wumbolover\/"},"comment_info":0,"_links":{"self":[{"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/pages\/1258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/comments?post=1258"}],"version-history":[{"count":3,"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/pages\/1258\/revisions"}],"predecessor-version":[{"id":1737,"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/pages\/1258\/revisions\/1737"}],"up":[{"embeddable":true,"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/pages\/1237"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/media\/1918"}],"wp:attachment":[{"href":"https:\/\/neverlosebitcoin.com\/fr\/wp-json\/wp\/v2\/media?parent=1258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}