[{"data":1,"prerenderedAt":5175},["Reactive",2],{"article-lep-2026-conditions-eligibilite":3,"all-articles-nav":1388,"related-lep-2026-conditions-eligibilite":1438},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"date":10,"category":11,"tags":12,"readingTime":18,"author":19,"relatedSimulator":20,"summary":24,"body":29,"_type":1382,"_id":1383,"_source":1384,"_file":1385,"_stem":1386,"_extension":1387},"/articles/lep-2026-conditions-eligibilite","articles",false,"","LEP 2026 : conditions d'éligibilité et plafonds de revenus","Vérifiez votre éligibilité au LEP 2026 : plafonds RFR par parts fiscales, comment lire votre avis d'imposition et profiter du taux de 2,5 % net.","2026-07-11","epargne",[13,14,15,16,17],"LEP 2026","livret épargne populaire","conditions LEP","éligibilité LEP","épargne réglementée",7,"equipe-estimateur",{"title":21,"path":22,"icon":23},"Simulateur LEP","/simulateurs/estimation-rendement-livret-lep","💰",[25,26,27,28],"Le LEP rapporte 2,5 % net en 2026, soit 47 % de plus que le Livret A (1,7 % depuis août 2026) — son accès est conditionné à un plafond de revenus (RFR sous 23 028 € pour une personne seule).","Pour vérifier votre éligibilité, une seule ligne compte : le revenu fiscal de référence (RFR) sur votre avis d'imposition, comparé au plafond selon votre quotient familial.","Chaque adulte peut ouvrir son propre LEP (plafond 10 000 €) — un couple éligible peut placer jusqu'à 20 000 € à 2,5 %, cumulable avec le Livret A et le LDDS.","Si vos revenus dépassent le plafond, vous conservez le LEP tant qu'au moins une des deux dernières années fiscales était sous le seuil — vérification annuelle par votre banque.",{"type":30,"children":31,"toc":1347},"root",[32,41,62,87,91,98,110,117,129,135,147,153,171,182,185,191,197,216,335,348,354,399,418,431,434,440,446,458,463,506,512,517,547,569,572,578,590,598,636,644,667,677,687,692,695,701,711,820,828,846,874,877,883,889,894,900,912,935,947,950,956,962,979,991,997,1007,1013,1023,1029,1048,1054,1059,1065,1075,1081,1092,1116,1122,1138,1144,1149,1179,1184,1187,1193,1198,1271,1283,1291,1312,1315],{"type":33,"tag":34,"props":35,"children":37},"element","h1",{"id":36},"lep-2026-ai-je-droit-au-livret-dépargne-populaire-conditions-plafond-de-revenus-et-éligibilité",[38],{"type":39,"value":40},"text","LEP 2026 : ai-je droit au Livret d'Épargne Populaire ? Conditions, plafond de revenus et éligibilité",{"type":33,"tag":42,"props":43,"children":44},"p",{},[45,47,53,55,60],{"type":39,"value":46},"Vous avez entendu parler du LEP, le livret réglementé qui rapporte ",{"type":33,"tag":48,"props":49,"children":50},"strong",{},[51],{"type":39,"value":52},"2,5 % net",{"type":39,"value":54}," — bien au-delà du Livret A à 1,7 % — mais vous ne savez pas si vous y avez droit ? Bonne nouvelle : les conditions d'éligibilité sont accessibles à une grande partie des Français. Pour savoir si vous pouvez ouvrir un Livret d'Épargne Populaire en 2026, il vous suffit de vérifier une seule ligne sur votre avis d'imposition : votre ",{"type":33,"tag":48,"props":56,"children":57},{},[58],{"type":39,"value":59},"revenu fiscal de référence (RFR)",{"type":39,"value":61},". Si ce chiffre est inférieur au plafond correspondant à votre situation familiale, vous êtes éligible.",{"type":33,"tag":63,"props":64,"children":65},"blockquote",{},[66],{"type":33,"tag":42,"props":67,"children":68},{},[69,74,76,85],{"type":33,"tag":48,"props":70,"children":71},{},[72],{"type":39,"value":73},"Vous pensez être éligible ?",{"type":39,"value":75}," Calculez ce que votre épargne rapporterait sur notre ",{"type":33,"tag":77,"props":78,"children":82},"a",{"href":79,"rel":80},"https://estimateur.net/simulateurs/estimation-rendement-livret-lep",[81],"nofollow",[83],{"type":39,"value":84},"simulateur LEP",{"type":39,"value":86}," — gratuit et instantané.",{"type":33,"tag":88,"props":89,"children":90},"hr",{},[],{"type":33,"tag":92,"props":93,"children":95},"h2",{"id":94},"qui-peut-ouvrir-un-lep-en-2026",[96],{"type":39,"value":97},"Qui peut ouvrir un LEP en 2026 ?",{"type":33,"tag":42,"props":99,"children":100},{},[101,103,108],{"type":39,"value":102},"Le LEP est un livret réglementé réservé aux ménages modestes domiciliés fiscalement en France. Pour l'ouvrir, vous devez remplir ",{"type":33,"tag":48,"props":104,"children":105},{},[106],{"type":39,"value":107},"trois conditions cumulatives",{"type":39,"value":109}," : être majeur, avoir votre domicile fiscal en France, et respecter un plafond de revenus.",{"type":33,"tag":111,"props":112,"children":114},"h3",{"id":113},"conditions-dâge",[115],{"type":39,"value":116},"Conditions d'âge",{"type":33,"tag":42,"props":118,"children":119},{},[120,122,127],{"type":39,"value":121},"Vous devez être ",{"type":33,"tag":48,"props":123,"children":124},{},[125],{"type":39,"value":126},"majeur",{"type":39,"value":128},", c'est-à-dire avoir au moins 18 ans. Contrairement au Livret A, il n'existe pas de LEP pour les mineurs. Un étudiant de 18 ans qui dépose sa propre déclaration de revenus peut en revanche tout à fait en ouvrir un, à condition que son revenu fiscal de référence soit inférieur au plafond.",{"type":33,"tag":111,"props":130,"children":132},{"id":131},"conditions-de-résidence",[133],{"type":39,"value":134},"Conditions de résidence",{"type":33,"tag":42,"props":136,"children":137},{},[138,140,145],{"type":39,"value":139},"Votre ",{"type":33,"tag":48,"props":141,"children":142},{},[143],{"type":39,"value":144},"domicile fiscal doit être en France",{"type":39,"value":146},". Cela concerne les résidents fiscaux français au sens de l'administration fiscale : si vous travaillez et vivez en France, vous êtes a priori concerné. Les non-résidents (expatriés, frontaliers imposés à l'étranger) ne peuvent pas ouvrir de LEP.",{"type":33,"tag":111,"props":148,"children":150},{"id":149},"conditions-fiscales",[151],{"type":39,"value":152},"Conditions fiscales",{"type":33,"tag":42,"props":154,"children":155},{},[156,158,162,164,169],{"type":39,"value":157},"C'est la condition principale : votre ",{"type":33,"tag":48,"props":159,"children":160},{},[161],{"type":39,"value":59},{"type":39,"value":163}," ne doit pas dépasser les plafonds fixés par le ministère chargé de l'Économie. Ces plafonds sont révisés chaque année en fonction de l'inflation. En 2026, ils ont été revalorisés de ",{"type":33,"tag":48,"props":165,"children":166},{},[167],{"type":39,"value":168},"+0,9 %",{"type":39,"value":170},".",{"type":33,"tag":42,"props":172,"children":173},{},[174,176,181],{"type":39,"value":175},"Un seul LEP est autorisé par personne. Au sein d'un foyer fiscal, chaque adulte peut ouvrir le sien — soit ",{"type":33,"tag":48,"props":177,"children":178},{},[179],{"type":39,"value":180},"deux LEP maximum par couple",{"type":39,"value":170},{"type":33,"tag":88,"props":183,"children":184},{},[],{"type":33,"tag":92,"props":186,"children":188},{"id":187},"quel-est-le-plafond-de-revenus-du-lep-en-2026",[189],{"type":39,"value":190},"Quel est le plafond de revenus du LEP en 2026 ?",{"type":33,"tag":111,"props":192,"children":194},{"id":193},"tableau-des-plafonds-2026-france-métropolitaine",[195],{"type":39,"value":196},"Tableau des plafonds 2026 (France métropolitaine)",{"type":33,"tag":42,"props":198,"children":199},{},[200,202,207,209,214],{"type":39,"value":201},"Le plafond varie selon le nombre de ",{"type":33,"tag":48,"props":203,"children":204},{},[205],{"type":39,"value":206},"parts fiscales",{"type":39,"value":208}," de votre foyer, qui dépend de votre situation familiale et du nombre d'enfants à charge. Pour une ouverture en 2026, c'est votre RFR figurant sur l'avis d'imposition ",{"type":33,"tag":48,"props":210,"children":211},{},[212],{"type":39,"value":213},"reçu en 2025",{"type":39,"value":215}," (correspondant aux revenus de l'année 2024) qui est pris en compte.",{"type":33,"tag":217,"props":218,"children":219},"table",{},[220,239],{"type":33,"tag":221,"props":222,"children":223},"thead",{},[224],{"type":33,"tag":225,"props":226,"children":227},"tr",{},[228,234],{"type":33,"tag":229,"props":230,"children":231},"th",{},[232],{"type":39,"value":233},"Quotient familial",{"type":33,"tag":229,"props":235,"children":236},{},[237],{"type":39,"value":238},"Plafond RFR 2026",{"type":33,"tag":240,"props":241,"children":242},"tbody",{},[243,257,270,283,296,309,322],{"type":33,"tag":225,"props":244,"children":245},{},[246,252],{"type":33,"tag":247,"props":248,"children":249},"td",{},[250],{"type":39,"value":251},"1 part (personne seule, sans enfant)",{"type":33,"tag":247,"props":253,"children":254},{},[255],{"type":39,"value":256},"23 028 €",{"type":33,"tag":225,"props":258,"children":259},{},[260,265],{"type":33,"tag":247,"props":261,"children":262},{},[263],{"type":39,"value":264},"1,5 part",{"type":33,"tag":247,"props":266,"children":267},{},[268],{"type":39,"value":269},"29 177 €",{"type":33,"tag":225,"props":271,"children":272},{},[273,278],{"type":33,"tag":247,"props":274,"children":275},{},[276],{"type":39,"value":277},"2 parts (couple sans enfant)",{"type":33,"tag":247,"props":279,"children":280},{},[281],{"type":39,"value":282},"35 326 €",{"type":33,"tag":225,"props":284,"children":285},{},[286,291],{"type":33,"tag":247,"props":287,"children":288},{},[289],{"type":39,"value":290},"2,5 parts",{"type":33,"tag":247,"props":292,"children":293},{},[294],{"type":39,"value":295},"41 421 €",{"type":33,"tag":225,"props":297,"children":298},{},[299,304],{"type":33,"tag":247,"props":300,"children":301},{},[302],{"type":39,"value":303},"3 parts (couple avec 2 enfants)",{"type":33,"tag":247,"props":305,"children":306},{},[307],{"type":39,"value":308},"47 516 €",{"type":33,"tag":225,"props":310,"children":311},{},[312,317],{"type":33,"tag":247,"props":313,"children":314},{},[315],{"type":39,"value":316},"3,5 parts",{"type":33,"tag":247,"props":318,"children":319},{},[320],{"type":39,"value":321},"53 611 €",{"type":33,"tag":225,"props":323,"children":324},{},[325,330],{"type":33,"tag":247,"props":326,"children":327},{},[328],{"type":39,"value":329},"Par demi-part supplémentaire",{"type":33,"tag":247,"props":331,"children":332},{},[333],{"type":39,"value":334},"+ 6 095 €",{"type":33,"tag":63,"props":336,"children":337},{},[338],{"type":33,"tag":42,"props":339,"children":340},{},[341,346],{"type":33,"tag":48,"props":342,"children":343},{},[344],{"type":39,"value":345},"En outre-mer",{"type":39,"value":347},", les plafonds sont légèrement différents et plus élevés pour tenir compte du coût de la vie.",{"type":33,"tag":111,"props":349,"children":351},{"id":350},"exemple-selon-la-composition-du-foyer",[352],{"type":39,"value":353},"Exemple selon la composition du foyer",{"type":33,"tag":355,"props":356,"children":357},"ul",{},[358,369,379,389],{"type":33,"tag":359,"props":360,"children":361},"li",{},[362,367],{"type":33,"tag":48,"props":363,"children":364},{},[365],{"type":39,"value":366},"Personne seule, sans enfant",{"type":39,"value":368}," : votre RFR doit être inférieur à 23 028 €. Si vous gagnez 1 800 € net/mois, vous êtes très probablement éligible.",{"type":33,"tag":359,"props":370,"children":371},{},[372,377],{"type":33,"tag":48,"props":373,"children":374},{},[375],{"type":39,"value":376},"Couple marié ou pacsé, sans enfant",{"type":39,"value":378}," : plafond à 35 326 €. Soit environ 2 944 € de revenus nets mensuels pour le foyer.",{"type":33,"tag":359,"props":380,"children":381},{},[382,387],{"type":33,"tag":48,"props":383,"children":384},{},[385],{"type":39,"value":386},"Famille avec deux enfants",{"type":39,"value":388}," (couple = 2 parts + 0,5 part par enfant = 3 parts) : plafond à 47 516 €.",{"type":33,"tag":359,"props":390,"children":391},{},[392,397],{"type":33,"tag":48,"props":393,"children":394},{},[395],{"type":39,"value":396},"Couple avec trois enfants",{"type":39,"value":398}," : 3,5 parts → 53 611 €.",{"type":33,"tag":63,"props":400,"children":401},{},[402],{"type":33,"tag":42,"props":403,"children":404},{},[405,410,412,417],{"type":33,"tag":48,"props":406,"children":407},{},[408],{"type":39,"value":409},"Rappel",{"type":39,"value":411}," : le revenu fiscal de référence n'est pas votre salaire brut ni votre salaire net. C'est un chiffre calculé par l'administration fiscale, qui intègre certains revenus exonérés (comme les heures supplémentaires défiscalisées) et applique des abattements spécifiques. Il est souvent ",{"type":33,"tag":48,"props":413,"children":414},{},[415],{"type":39,"value":416},"inférieur à votre revenu net imposable",{"type":39,"value":170},{"type":33,"tag":42,"props":419,"children":420},{},[421,423,429],{"type":39,"value":422},"Une fois votre éligibilité confirmée, vous pouvez ",{"type":33,"tag":77,"props":424,"children":426},{"href":79,"rel":425},[81],[427],{"type":39,"value":428},"simuler le rendement de votre LEP",{"type":39,"value":430}," selon le montant que vous souhaitez placer.",{"type":33,"tag":88,"props":432,"children":433},{},[],{"type":33,"tag":92,"props":435,"children":437},{"id":436},"comment-savoir-si-vous-êtes-éligible",[438],{"type":39,"value":439},"Comment savoir si vous êtes éligible ?",{"type":33,"tag":111,"props":441,"children":443},{"id":442},"où-trouver-son-revenu-fiscal-de-référence",[444],{"type":39,"value":445},"Où trouver son revenu fiscal de référence",{"type":33,"tag":42,"props":447,"children":448},{},[449,451,456],{"type":39,"value":450},"Votre RFR est indiqué sur votre ",{"type":33,"tag":48,"props":452,"children":453},{},[454],{"type":39,"value":455},"avis d'imposition",{"type":39,"value":457},", le document que vous recevez chaque année (généralement entre juillet et septembre). Pas besoin de faire de calcul : l'administration fiscale le calcule pour vous.",{"type":33,"tag":42,"props":459,"children":460},{},[461],{"type":39,"value":462},"Trois façons de le consulter :",{"type":33,"tag":464,"props":465,"children":466},"ol",{},[467,477,496],{"type":33,"tag":359,"props":468,"children":469},{},[470,475],{"type":33,"tag":48,"props":471,"children":472},{},[473],{"type":39,"value":474},"Sur papier",{"type":39,"value":476}," : en haut à droite de la première page de l'avis d'imposition, dans l'encadré « Vos références »",{"type":33,"tag":359,"props":478,"children":479},{},[480,485,487,494],{"type":33,"tag":48,"props":481,"children":482},{},[483],{"type":39,"value":484},"En ligne",{"type":39,"value":486}," : connectez-vous sur ",{"type":33,"tag":77,"props":488,"children":491},{"href":489,"rel":490},"https://www.impots.gouv.fr",[81],[492],{"type":39,"value":493},"impots.gouv.fr",{"type":39,"value":495}," → « Mon espace » → « Consulter mes documents » → votre avis d'imposition",{"type":33,"tag":359,"props":497,"children":498},{},[499,504],{"type":33,"tag":48,"props":500,"children":501},{},[502],{"type":39,"value":503},"Via l'application Impots.gouv",{"type":39,"value":505}," : disponible sur iOS et Android",{"type":33,"tag":111,"props":507,"children":509},{"id":508},"comment-lire-son-avis-dimposition",[510],{"type":39,"value":511},"Comment lire son avis d'imposition",{"type":33,"tag":42,"props":513,"children":514},{},[515],{"type":39,"value":516},"L'avis d'imposition peut être déroutant car il mentionne plusieurs montants. Voici ce qui compte :",{"type":33,"tag":355,"props":518,"children":519},{},[520,530],{"type":33,"tag":359,"props":521,"children":522},{},[523,528],{"type":33,"tag":48,"props":524,"children":525},{},[526],{"type":39,"value":527},"\"Revenu fiscal de référence\"",{"type":39,"value":529}," — c'est la ligne à regarder. Elle se distingue du revenu imposable.",{"type":33,"tag":359,"props":531,"children":532},{},[533,538,540,545],{"type":33,"tag":48,"props":534,"children":535},{},[536],{"type":39,"value":537},"\"Quotient familial\"",{"type":39,"value":539}," ou ",{"type":33,"tag":48,"props":541,"children":542},{},[543],{"type":39,"value":544},"\"nombre de parts\"",{"type":39,"value":546}," — c'est votre situation familiale traduite en parts. Un couple compte 2 parts de base ; chaque enfant à charge ajoute 0,5 part (1 part à partir du 3ème enfant).",{"type":33,"tag":63,"props":548,"children":549},{},[550],{"type":33,"tag":42,"props":551,"children":552},{},[553,555,560,562,567],{"type":39,"value":554},"Si votre RFR est ",{"type":33,"tag":48,"props":556,"children":557},{},[558],{"type":39,"value":559},"juste au-dessus",{"type":39,"value":561}," du plafond, vérifiez l'année N-2 également. 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Le LEP n'est pas proposé par toutes les banques, mais il est accessible dans la grande majorité des réseaux.",{"type":33,"tag":42,"props":591,"children":592},{},[593],{"type":33,"tag":48,"props":594,"children":595},{},[596],{"type":39,"value":597},"Banques et établissements qui proposent le LEP :",{"type":33,"tag":355,"props":599,"children":600},{},[601,606,611,616,621,626,631],{"type":33,"tag":359,"props":602,"children":603},{},[604],{"type":39,"value":605},"La Banque Postale",{"type":33,"tag":359,"props":607,"children":608},{},[609],{"type":39,"value":610},"Crédit Agricole, LCL",{"type":33,"tag":359,"props":612,"children":613},{},[614],{"type":39,"value":615},"BNP Paribas, Hello Bank!",{"type":33,"tag":359,"props":617,"children":618},{},[619],{"type":39,"value":620},"Société Générale, Crédit du Nord",{"type":33,"tag":359,"props":622,"children":623},{},[624],{"type":39,"value":625},"Caisse d'Épargne, Banque Populaire",{"type":33,"tag":359,"props":627,"children":628},{},[629],{"type":39,"value":630},"Crédit Mutuel, CIC",{"type":33,"tag":359,"props":632,"children":633},{},[634],{"type":39,"value":635},"BoursoBank (depuis fin 2024)",{"type":33,"tag":42,"props":637,"children":638},{},[639],{"type":33,"tag":48,"props":640,"children":641},{},[642],{"type":39,"value":643},"Documents à fournir à l'ouverture :",{"type":33,"tag":355,"props":645,"children":646},{},[647,652,657,662],{"type":33,"tag":359,"props":648,"children":649},{},[650],{"type":39,"value":651},"Pièce d'identité en cours de validité (carte nationale d'identité ou passeport)",{"type":33,"tag":359,"props":653,"children":654},{},[655],{"type":39,"value":656},"Justificatif de domicile de moins de 3 mois",{"type":33,"tag":359,"props":658,"children":659},{},[660],{"type":39,"value":661},"Dernier avis d'imposition (pour justifier votre RFR)",{"type":33,"tag":359,"props":663,"children":664},{},[665],{"type":39,"value":666},"RIB si nécessaire",{"type":33,"tag":42,"props":668,"children":669},{},[670,675],{"type":33,"tag":48,"props":671,"children":672},{},[673],{"type":39,"value":674},"Versement minimum à l'ouverture :",{"type":39,"value":676}," 30 €",{"type":33,"tag":42,"props":678,"children":679},{},[680,685],{"type":33,"tag":48,"props":681,"children":682},{},[683],{"type":39,"value":684},"Plafond de dépôt :",{"type":39,"value":686}," 10 000 €. Une fois ce plafond atteint, vous ne pouvez plus effectuer de versements, mais les intérêts continuent de se capitaliser au-delà.",{"type":33,"tag":42,"props":688,"children":689},{},[690],{"type":39,"value":691},"L'ouverture se fait en agence ou, pour les établissements qui le permettent, entièrement en ligne avec signature électronique — comptez quelques heures à deux jours ouvrés.",{"type":33,"tag":88,"props":693,"children":694},{},[],{"type":33,"tag":92,"props":696,"children":698},{"id":697},"peut-on-cumuler-un-lep-avec-un-livret-a-ou-un-ldds",[699],{"type":39,"value":700},"Peut-on cumuler un LEP avec un Livret A ou un LDDS ?",{"type":33,"tag":42,"props":702,"children":703},{},[704,709],{"type":33,"tag":48,"props":705,"children":706},{},[707],{"type":39,"value":708},"Oui, absolument.",{"type":39,"value":710}," Le LEP, le Livret A et le LDDS sont trois livrets réglementés distincts, et il est tout à fait légal de les détenir simultanément. Cela s'applique aussi bien à une personne seule qu'à un couple.",{"type":33,"tag":217,"props":712,"children":713},{},[714,740],{"type":33,"tag":221,"props":715,"children":716},{},[717],{"type":33,"tag":225,"props":718,"children":719},{},[720,725,730,735],{"type":33,"tag":229,"props":721,"children":722},{},[723],{"type":39,"value":724},"Livret",{"type":33,"tag":229,"props":726,"children":727},{},[728],{"type":39,"value":729},"Taux 2026",{"type":33,"tag":229,"props":731,"children":732},{},[733],{"type":39,"value":734},"Plafond dépôt",{"type":33,"tag":229,"props":736,"children":737},{},[738],{"type":39,"value":739},"Conditions de revenus",{"type":33,"tag":240,"props":741,"children":742},{},[743,769,795],{"type":33,"tag":225,"props":744,"children":745},{},[746,754,759,764],{"type":33,"tag":247,"props":747,"children":748},{},[749],{"type":33,"tag":48,"props":750,"children":751},{},[752],{"type":39,"value":753},"LEP",{"type":33,"tag":247,"props":755,"children":756},{},[757],{"type":39,"value":758},"2,5 %",{"type":33,"tag":247,"props":760,"children":761},{},[762],{"type":39,"value":763},"10 000 €",{"type":33,"tag":247,"props":765,"children":766},{},[767],{"type":39,"value":768},"Oui (RFR \u003C plafond)",{"type":33,"tag":225,"props":770,"children":771},{},[772,780,785,790],{"type":33,"tag":247,"props":773,"children":774},{},[775],{"type":33,"tag":48,"props":776,"children":777},{},[778],{"type":39,"value":779},"Livret A",{"type":33,"tag":247,"props":781,"children":782},{},[783],{"type":39,"value":784},"1,7 %",{"type":33,"tag":247,"props":786,"children":787},{},[788],{"type":39,"value":789},"22 950 €",{"type":33,"tag":247,"props":791,"children":792},{},[793],{"type":39,"value":794},"Non",{"type":33,"tag":225,"props":796,"children":797},{},[798,806,810,815],{"type":33,"tag":247,"props":799,"children":800},{},[801],{"type":33,"tag":48,"props":802,"children":803},{},[804],{"type":39,"value":805},"LDDS",{"type":33,"tag":247,"props":807,"children":808},{},[809],{"type":39,"value":784},{"type":33,"tag":247,"props":811,"children":812},{},[813],{"type":39,"value":814},"12 000 €",{"type":33,"tag":247,"props":816,"children":817},{},[818],{"type":39,"value":819},"Non (réservé aux majeurs)",{"type":33,"tag":42,"props":821,"children":822},{},[823],{"type":33,"tag":48,"props":824,"children":825},{},[826],{"type":39,"value":827},"Règle de cumul :",{"type":33,"tag":355,"props":829,"children":830},{},[831,836,841],{"type":33,"tag":359,"props":832,"children":833},{},[834],{"type":39,"value":835},"✅ LEP + Livret A + LDDS sur le même titulaire → autorisé",{"type":33,"tag":359,"props":837,"children":838},{},[839],{"type":39,"value":840},"✅ Un LEP par personne au sein d'un couple → 2 LEP au total",{"type":33,"tag":359,"props":842,"children":843},{},[844],{"type":39,"value":845},"❌ Deux LEP pour une même personne → interdit",{"type":33,"tag":63,"props":847,"children":848},{},[849],{"type":33,"tag":42,"props":850,"children":851},{},[852,857,859,864,866,873],{"type":33,"tag":48,"props":853,"children":854},{},[855],{"type":39,"value":856},"Stratégie optimale pour un épargnant éligible :",{"type":39,"value":858}," remplir le LEP en priorité (meilleur taux), puis le Livret A, puis le LDDS. Le LEP doit être votre premier réflexe si vous répondez aux conditions de ressources. Comparez les rendements avec nos simulateurs : ",{"type":33,"tag":77,"props":860,"children":862},{"href":79,"rel":861},[81],[863],{"type":39,"value":21},{"type":39,"value":865}," · ",{"type":33,"tag":77,"props":867,"children":870},{"href":868,"rel":869},"https://estimateur.net/simulateurs/estimation-rendement-livret-a",[81],[871],{"type":39,"value":872},"Simulateur Livret A",{"type":39,"value":170},{"type":33,"tag":88,"props":875,"children":876},{},[],{"type":33,"tag":92,"props":878,"children":880},{"id":879},"que-se-passe-t-il-si-vos-revenus-dépassent-le-plafond",[881],{"type":39,"value":882},"Que se passe-t-il si vos revenus dépassent le plafond ?",{"type":33,"tag":111,"props":884,"children":886},{"id":885},"la-vérification-annuelle",[887],{"type":39,"value":888},"La vérification annuelle",{"type":33,"tag":42,"props":890,"children":891},{},[892],{"type":39,"value":893},"Chaque année, entre janvier et avril, votre banque vérifie que votre RFR reste sous les plafonds en vigueur. Elle s'appuie pour cela sur les données transmises par l'administration fiscale. Vous n'avez généralement rien à faire de votre côté.",{"type":33,"tag":111,"props":895,"children":897},{"id":896},"si-vous-nêtes-plus-éligible",[898],{"type":39,"value":899},"Si vous n'êtes plus éligible",{"type":33,"tag":42,"props":901,"children":902},{},[903,905,910],{"type":39,"value":904},"Si votre revenu fiscal de référence dépasse le plafond, ",{"type":33,"tag":48,"props":906,"children":907},{},[908],{"type":39,"value":909},"deux cas de figure",{"type":39,"value":911}," :",{"type":33,"tag":464,"props":913,"children":914},{},[915,925],{"type":33,"tag":359,"props":916,"children":917},{},[918,923],{"type":33,"tag":48,"props":919,"children":920},{},[921],{"type":39,"value":922},"Votre RFR de l'une des deux années précédentes était sous le plafond",{"type":39,"value":924}," : vous pouvez conserver votre LEP jusqu'à la prochaine vérification annuelle.",{"type":33,"tag":359,"props":926,"children":927},{},[928,933],{"type":33,"tag":48,"props":929,"children":930},{},[931],{"type":39,"value":932},"Vos deux derniers RFR dépassent le plafond",{"type":39,"value":934}," : votre banque vous informera par courrier et vous demandera de clôturer votre LEP. Vos intérêts acquis jusqu'à la date de clôture vous sont versés, et votre capital vous est restitué.",{"type":33,"tag":42,"props":936,"children":937},{},[938,940,945],{"type":39,"value":939},"Il n'y a pas de pénalité : vous récupérez simplement votre épargne et pouvez la replacer sur un ",{"type":33,"tag":77,"props":941,"children":943},{"href":868,"rel":942},[81],[944],{"type":39,"value":779},{"type":39,"value":946}," ou un autre support.",{"type":33,"tag":88,"props":948,"children":949},{},[],{"type":33,"tag":92,"props":951,"children":953},{"id":952},"faq-lep-2026",[954],{"type":39,"value":955},"FAQ LEP 2026",{"type":33,"tag":111,"props":957,"children":959},{"id":958},"un-étudiant-peut-il-ouvrir-un-lep",[960],{"type":39,"value":961},"Un étudiant peut-il ouvrir un LEP ?",{"type":33,"tag":42,"props":963,"children":964},{},[965,970,972,977],{"type":33,"tag":48,"props":966,"children":967},{},[968],{"type":39,"value":969},"Oui, sous conditions.",{"type":39,"value":971}," Un étudiant majeur (18 ans ou plus) peut ouvrir un LEP s'il dépose ",{"type":33,"tag":48,"props":973,"children":974},{},[975],{"type":39,"value":976},"sa propre déclaration de revenus",{"type":39,"value":978}," et que son revenu fiscal de référence est inférieur au plafond. C'est souvent le cas pour un étudiant salarié à temps partiel ou bénéficiant d'une aide financière modeste.",{"type":33,"tag":42,"props":980,"children":981},{},[982,984,989],{"type":39,"value":983},"En revanche, si l'étudiant est encore ",{"type":33,"tag":48,"props":985,"children":986},{},[987],{"type":39,"value":988},"rattaché au foyer fiscal de ses parents",{"type":39,"value":990},", il n'a pas de RFR personnel et ne peut pas ouvrir de LEP de son propre chef. Dans ce cas, c'est le RFR du foyer des parents qui compte — mais le LEP serait alors au nom des parents, pas de l'étudiant.",{"type":33,"tag":111,"props":992,"children":994},{"id":993},"un-retraité-peut-il-avoir-un-lep",[995],{"type":39,"value":996},"Un retraité peut-il avoir un LEP ?",{"type":33,"tag":42,"props":998,"children":999},{},[1000,1005],{"type":33,"tag":48,"props":1001,"children":1002},{},[1003],{"type":39,"value":1004},"Oui.",{"type":39,"value":1006}," Il n'existe pas de limite d'âge supérieure pour ouvrir ou conserver un LEP. De nombreux retraités sont éligibles car leurs revenus (pension de retraite) se situent sous les plafonds fixés. Un retraité célibataire dont la pension annuelle brute est inférieure à environ 23 000 € a de bonnes chances d'être éligible.",{"type":33,"tag":111,"props":1008,"children":1010},{"id":1009},"un-auto-entrepreneur-peut-il-ouvrir-un-lep",[1011],{"type":39,"value":1012},"Un auto-entrepreneur peut-il ouvrir un LEP ?",{"type":33,"tag":42,"props":1014,"children":1015},{},[1016,1021],{"type":33,"tag":48,"props":1017,"children":1018},{},[1019],{"type":39,"value":1020},"Oui, si son revenu fiscal de référence est sous le plafond.",{"type":39,"value":1022}," Le régime fiscal de la micro-entreprise est pris en compte dans le calcul du RFR. Pour un auto-entrepreneur avec un chiffre d'affaires modéré, le RFR est souvent bien inférieur aux plafonds LEP — notamment parce qu'un abattement forfaitaire est appliqué avant le calcul de l'impôt. Vérifiez la ligne \"revenu fiscal de référence\" de votre avis d'imposition pour en avoir le cœur net.",{"type":33,"tag":111,"props":1024,"children":1026},{"id":1025},"comment-fonctionne-le-lep-pour-un-couple",[1027],{"type":39,"value":1028},"Comment fonctionne le LEP pour un couple ?",{"type":33,"tag":42,"props":1030,"children":1031},{},[1032,1034,1039,1041,1046],{"type":39,"value":1033},"Un couple marié ou pacsé soumis à imposition commune dispose d'un ",{"type":33,"tag":48,"props":1035,"children":1036},{},[1037],{"type":39,"value":1038},"foyer fiscal commun",{"type":39,"value":1040}," avec un RFR unique. Si ce RFR est sous le plafond de 2 parts (35 326 € en 2026), chacun des deux membres du couple peut ouvrir ",{"type":33,"tag":48,"props":1042,"children":1043},{},[1044],{"type":39,"value":1045},"son propre LEP",{"type":39,"value":1047}," dans son établissement bancaire. C'est donc jusqu'à 20 000 € d'épargne cumulée qui peuvent profiter du taux de 2,5 %.",{"type":33,"tag":111,"props":1049,"children":1051},{"id":1050},"que-se-passe-t-il-si-je-suis-rattaché-au-foyer-fiscal-de-mes-parents",[1052],{"type":39,"value":1053},"Que se passe-t-il si je suis rattaché au foyer fiscal de mes parents ?",{"type":33,"tag":42,"props":1055,"children":1056},{},[1057],{"type":39,"value":1058},"Un enfant majeur rattaché au foyer fiscal de ses parents n'a pas de RFR individuel. Il ne peut donc pas ouvrir un LEP en son nom propre. Pour en bénéficier, il devrait opter pour l'imposition séparée — ce qui n'est pas toujours fiscalement avantageux. À peser au cas par cas.",{"type":33,"tag":111,"props":1060,"children":1062},{"id":1061},"puis-je-avoir-plusieurs-lep",[1063],{"type":39,"value":1064},"Puis-je avoir plusieurs LEP ?",{"type":33,"tag":42,"props":1066,"children":1067},{},[1068,1073],{"type":33,"tag":48,"props":1069,"children":1070},{},[1071],{"type":39,"value":1072},"Non.",{"type":39,"value":1074}," Un seul LEP par personne, quelle que soit votre situation. C'est une règle stricte fixée par la réglementation. Posséder deux LEP est interdit et la banque est tenue de fermer le second si elle le constate.",{"type":33,"tag":111,"props":1076,"children":1078},{"id":1077},"quel-est-le-taux-du-lep-en-2026-et-va-t-il-changer",[1079],{"type":39,"value":1080},"Quel est le taux du LEP en 2026 et va-t-il changer ?",{"type":33,"tag":42,"props":1082,"children":1083},{},[1084,1086,1090],{"type":39,"value":1085},"Le taux du LEP est fixé à ",{"type":33,"tag":48,"props":1087,"children":1088},{},[1089],{"type":39,"value":52},{"type":39,"value":1091}," depuis le 1er février 2026. Il est révisé deux fois par an, le 1er février et le 1er août, par le ministère chargé de l'Économie sur proposition de la Banque de France. Le taux du LEP ne peut pas descendre en dessous du taux du Livret A + 0,5 point.",{"type":33,"tag":42,"props":1093,"children":1094},{},[1095,1097,1101,1103,1108,1110,1115],{"type":39,"value":1096},"Le taux du Livret A a été relevé à ",{"type":33,"tag":48,"props":1098,"children":1099},{},[1100],{"type":39,"value":784},{"type":39,"value":1102}," au 1er août 2026, mais le gouvernement a confirmé que le taux du LEP ",{"type":33,"tag":48,"props":1104,"children":1105},{},[1106],{"type":39,"value":1107},"reste inchangé à 2,5 %",{"type":39,"value":1109},". L'écart entre les deux livrets s'élargit donc à 0,8 point, renforçant encore l'intérêt du LEP pour les épargnants éligibles. Recalculez votre rendement sur notre ",{"type":33,"tag":77,"props":1111,"children":1113},{"href":79,"rel":1112},[81],[1114],{"type":39,"value":84},{"type":39,"value":170},{"type":33,"tag":111,"props":1117,"children":1119},{"id":1118},"le-lep-est-il-fiscalisé",[1120],{"type":39,"value":1121},"Le LEP est-il fiscalisé ?",{"type":33,"tag":42,"props":1123,"children":1124},{},[1125,1129,1131,1136],{"type":33,"tag":48,"props":1126,"children":1127},{},[1128],{"type":39,"value":1072},{"type":39,"value":1130}," Comme le Livret A et le LDDS, les intérêts du LEP sont totalement ",{"type":33,"tag":48,"props":1132,"children":1133},{},[1134],{"type":39,"value":1135},"exonérés d'impôt sur le revenu et de prélèvements sociaux",{"type":39,"value":1137},". Le taux affiché (2,5 %) est un taux net : vous le percevez intégralement, sans retenue.",{"type":33,"tag":111,"props":1139,"children":1141},{"id":1140},"quelle-est-la-différence-entre-le-lep-et-le-livret-a",[1142],{"type":39,"value":1143},"Quelle est la différence entre le LEP et le Livret A ?",{"type":33,"tag":42,"props":1145,"children":1146},{},[1147],{"type":39,"value":1148},"Le LEP et le Livret A sont tous deux des livrets réglementés, sécurisés, liquides et défiscalisés. La différence tient en deux points :",{"type":33,"tag":464,"props":1150,"children":1151},{},[1152,1162],{"type":33,"tag":359,"props":1153,"children":1154},{},[1155,1160],{"type":33,"tag":48,"props":1156,"children":1157},{},[1158],{"type":39,"value":1159},"Le taux",{"type":39,"value":1161}," : le LEP rapporte toujours davantage que le Livret A (2,5 % contre 1,7 % depuis août 2026), soit environ 47 % de rendement supplémentaire pour un même capital.",{"type":33,"tag":359,"props":1163,"children":1164},{},[1165,1170,1172,1177],{"type":33,"tag":48,"props":1166,"children":1167},{},[1168],{"type":39,"value":1169},"Les conditions d'accès",{"type":39,"value":1171}," : le ",{"type":33,"tag":77,"props":1173,"children":1175},{"href":868,"rel":1174},[81],[1176],{"type":39,"value":779},{"type":39,"value":1178}," est ouvert à tous, sans condition de revenus. Le LEP est réservé aux foyers dont le revenu fiscal de référence est sous un plafond.",{"type":33,"tag":42,"props":1180,"children":1181},{},[1182],{"type":39,"value":1183},"Si vous êtes éligible, le LEP doit être votre priorité absolue avant le Livret A.",{"type":33,"tag":88,"props":1185,"children":1186},{},[],{"type":33,"tag":92,"props":1188,"children":1190},{"id":1189},"en-résumé-checklist-déligibilité-lep-2026",[1191],{"type":39,"value":1192},"En résumé : checklist d'éligibilité LEP 2026",{"type":33,"tag":42,"props":1194,"children":1195},{},[1196],{"type":39,"value":1197},"Avant de vous rendre en agence, vérifiez ces quatre points 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déductibles",{"_path":1436,"title":1437,"category":1406},"/articles/plus-value-immobiliere-guide","Plus-value immobilière 2025 : calcul et exonérations",[1439,2281,3195],{"_path":1394,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1395,"description":1440,"date":1441,"category":11,"tags":1442,"readingTime":1447,"author":19,"relatedSimulator":1448,"summary":1450,"body":1455,"_type":1382,"_id":2277,"_source":1384,"_file":2278,"_stem":2279,"_extension":1387,"_score":2280},"Le taux du Livret A passe de 1,5 % à 1,7 % au 1er août 2026. Gains supplémentaires calculés, impact sur LDDS et Livret Jeune, et point sur le LEP.","2026-07-18",[1443,1444,1445,1446,17],"taux livret A 2026","nouveau taux livret A","hausse livret A août 2026","livret A 1,7%",4,{"title":872,"path":1449,"icon":23},"/simulateurs/estimation-rendement-livret-a",[1451,1452,1453,1454],"Le taux du Livret A est relevé à 1,7 % dès le 1er août 2026 (contre 1,5 % depuis février) — la hausse s'applique automatiquement sans aucune démarche à effectuer.","Sur un Livret A au plafond (22 950 €), le gain annuel supplémentaire est de 46 € : 390 € à 1,7 % contre 344 € à 1,5 %. Pour 10 000 €, comptez 20 €/an de plus.","Le LDDS et le Livret Jeune suivent automatiquement la même révision. Le taux du LEP reste inchangé à 2,5 % — il conserve 0,8 point d'avance sur le Livret A.","Le taux à 1,7 % reste modeste face à l'inflation — pour une épargne longue durée, mieux vaut combiner Livret A (précaution) et placements plus dynamiques (PEA, assurance-vie).",{"type":30,"children":1456,"toc":2261},[1457,1463,1482,1487,1490,1496,1609,1628,1631,1637,1642,1782,1797,1800,1806,1818,1841,1846,1854,1958,1961,1967,1985,2002,2005,2011,2027,2039,2053,2056,2062,2074,2082,2115,2132,2135,2141,2147,2158,2164,2174,2180,2189,2195,2214,2220,2229,2235,2244,2247],{"type":33,"tag":34,"props":1458,"children":1460},{"id":1459},"taux-livret-a-août-2026-hausse-à-17-ce-que-vous-gagnez-de-plus",[1461],{"type":39,"value":1462},"Taux Livret A août 2026 : hausse à 1,7 % — ce que vous gagnez de plus",{"type":33,"tag":42,"props":1464,"children":1465},{},[1466,1468,1473,1475,1480],{"type":39,"value":1467},"Le gouvernement vient d'annoncer la hausse du taux du Livret A au ",{"type":33,"tag":48,"props":1469,"children":1470},{},[1471],{"type":39,"value":1472},"1er août 2026",{"type":39,"value":1474}," : il passe de ",{"type":33,"tag":48,"props":1476,"children":1477},{},[1478],{"type":39,"value":1479},"1,5 % à 1,7 %",{"type":39,"value":1481},", un rebond de 0,2 point après la baisse de février. 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Les intérêts calculés depuis le 1er janvier 2026 au taux de 1,5 % ne sont ",{"type":33,"tag":48,"props":1622,"children":1623},{},[1624],{"type":39,"value":1625},"pas rétroactifs",{"type":39,"value":1627}," : seule la période courant à partir du 1er août bénéficie du nouveau taux.",{"type":33,"tag":88,"props":1629,"children":1630},{},[],{"type":33,"tag":92,"props":1632,"children":1634},{"id":1633},"combien-gagnez-vous-de-plus-avec-17",[1635],{"type":39,"value":1636},"Combien gagnez-vous de plus avec 1,7 % ?",{"type":33,"tag":42,"props":1638,"children":1639},{},[1640],{"type":39,"value":1641},"La différence de 0,2 point peut sembler faible, mais sur une épargne significative le gain annuel supplémentaire est immédiat et garanti.",{"type":33,"tag":217,"props":1643,"children":1644},{},[1645,1671],{"type":33,"tag":221,"props":1646,"children":1647},{},[1648],{"type":33,"tag":225,"props":1649,"children":1650},{},[1651,1656,1661,1666],{"type":33,"tag":229,"props":1652,"children":1653},{},[1654],{"type":39,"value":1655},"Solde Livret A",{"type":33,"tag":229,"props":1657,"children":1658},{},[1659],{"type":39,"value":1660},"Intérêts à 1,5 % / an",{"type":33,"tag":229,"props":1662,"children":1663},{},[1664],{"type":39,"value":1665},"Intérêts à 1,7 % / an",{"type":33,"tag":229,"props":1667,"children":1668},{},[1669],{"type":39,"value":1670},"Gain annuel",{"type":33,"tag":240,"props":1672,"children":1673},{},[1674,1700,1725,1751],{"type":33,"tag":225,"props":1675,"children":1676},{},[1677,1682,1687,1692],{"type":33,"tag":247,"props":1678,"children":1679},{},[1680],{"type":39,"value":1681},"5 000 €",{"type":33,"tag":247,"props":1683,"children":1684},{},[1685],{"type":39,"value":1686},"75 €",{"type":33,"tag":247,"props":1688,"children":1689},{},[1690],{"type":39,"value":1691},"85 €",{"type":33,"tag":247,"props":1693,"children":1694},{},[1695],{"type":33,"tag":48,"props":1696,"children":1697},{},[1698],{"type":39,"value":1699},"+10 €",{"type":33,"tag":225,"props":1701,"children":1702},{},[1703,1707,1712,1717],{"type":33,"tag":247,"props":1704,"children":1705},{},[1706],{"type":39,"value":763},{"type":33,"tag":247,"props":1708,"children":1709},{},[1710],{"type":39,"value":1711},"150 €",{"type":33,"tag":247,"props":1713,"children":1714},{},[1715],{"type":39,"value":1716},"170 €",{"type":33,"tag":247,"props":1718,"children":1719},{},[1720],{"type":33,"tag":48,"props":1721,"children":1722},{},[1723],{"type":39,"value":1724},"+20 €",{"type":33,"tag":225,"props":1726,"children":1727},{},[1728,1733,1738,1743],{"type":33,"tag":247,"props":1729,"children":1730},{},[1731],{"type":39,"value":1732},"15 000 €",{"type":33,"tag":247,"props":1734,"children":1735},{},[1736],{"type":39,"value":1737},"225 €",{"type":33,"tag":247,"props":1739,"children":1740},{},[1741],{"type":39,"value":1742},"255 €",{"type":33,"tag":247,"props":1744,"children":1745},{},[1746],{"type":33,"tag":48,"props":1747,"children":1748},{},[1749],{"type":39,"value":1750},"+30 €",{"type":33,"tag":225,"props":1752,"children":1753},{},[1754,1764,1769,1774],{"type":33,"tag":247,"props":1755,"children":1756},{},[1757,1759],{"type":39,"value":1758},"22 950 € ",{"type":33,"tag":1319,"props":1760,"children":1761},{},[1762],{"type":39,"value":1763},"(plafond)",{"type":33,"tag":247,"props":1765,"children":1766},{},[1767],{"type":39,"value":1768},"344 €",{"type":33,"tag":247,"props":1770,"children":1771},{},[1772],{"type":39,"value":1773},"390 €",{"type":33,"tag":247,"props":1775,"children":1776},{},[1777],{"type":33,"tag":48,"props":1778,"children":1779},{},[1780],{"type":39,"value":1781},"+46 €",{"type":33,"tag":63,"props":1783,"children":1784},{},[1785],{"type":33,"tag":42,"props":1786,"children":1787},{},[1788,1790,1796],{"type":39,"value":1789},"Ces montants sont calculés sur une année pleine, sans tenir compte de la règle des quinzaines ni des versements intermédiaires. Pour une projection précise avec vos propres versements, utilisez notre ",{"type":33,"tag":77,"props":1791,"children":1793},{"href":868,"rel":1792},[81],[1794],{"type":39,"value":1795},"simulateur Livret A",{"type":39,"value":170},{"type":33,"tag":88,"props":1798,"children":1799},{},[],{"type":33,"tag":92,"props":1801,"children":1803},{"id":1802},"pourquoi-le-taux-remonte-t-il",[1804],{"type":39,"value":1805},"Pourquoi le taux remonte-t-il ?",{"type":33,"tag":42,"props":1807,"children":1808},{},[1809,1811,1816],{"type":39,"value":1810},"Le taux du Livret A est calculé par la Banque de France selon une ",{"type":33,"tag":48,"props":1812,"children":1813},{},[1814],{"type":39,"value":1815},"formule réglementaire",{"type":39,"value":1817}," qui combine deux indicateurs :",{"type":33,"tag":355,"props":1819,"children":1820},{},[1821,1831],{"type":33,"tag":359,"props":1822,"children":1823},{},[1824,1829],{"type":33,"tag":48,"props":1825,"children":1826},{},[1827],{"type":39,"value":1828},"L'inflation",{"type":39,"value":1830}," mesurée par l'indice des prix à la consommation hors tabac (zone euro)",{"type":33,"tag":359,"props":1832,"children":1833},{},[1834,1839],{"type":33,"tag":48,"props":1835,"children":1836},{},[1837],{"type":39,"value":1838},"Les taux interbancaires à court terme",{"type":39,"value":1840}," (€STR — le taux de dépôt directeur de la BCE)",{"type":33,"tag":42,"props":1842,"children":1843},{},[1844],{"type":39,"value":1845},"Après une baisse marquée tout au long de 2025 et début 2026 liée au recul de l'inflation, une légère remontée des prix au premier semestre 2026 a conduit la Banque de France à recommander une revalorisation. Le gouvernement a suivi cette recommandation par arrêté ministériel, comme c'est la règle.",{"type":33,"tag":42,"props":1847,"children":1848},{},[1849],{"type":33,"tag":48,"props":1850,"children":1851},{},[1852],{"type":39,"value":1853},"Contexte historique récent :",{"type":33,"tag":217,"props":1855,"children":1856},{},[1857,1877],{"type":33,"tag":221,"props":1858,"children":1859},{},[1860],{"type":33,"tag":225,"props":1861,"children":1862},{},[1863,1868,1872],{"type":33,"tag":229,"props":1864,"children":1865},{},[1866],{"type":39,"value":1867},"Date",{"type":33,"tag":229,"props":1869,"children":1870},{},[1871],{"type":39,"value":1531},{"type":33,"tag":229,"props":1873,"children":1874},{},[1875],{"type":39,"value":1876},"Contexte",{"type":33,"tag":240,"props":1878,"children":1879},{},[1880,1898,1915,1932],{"type":33,"tag":225,"props":1881,"children":1882},{},[1883,1888,1893],{"type":33,"tag":247,"props":1884,"children":1885},{},[1886],{"type":39,"value":1887},"Fév. 2025",{"type":33,"tag":247,"props":1889,"children":1890},{},[1891],{"type":39,"value":1892},"2,40 %",{"type":33,"tag":247,"props":1894,"children":1895},{},[1896],{"type":39,"value":1897},"Détente de l'inflation",{"type":33,"tag":225,"props":1899,"children":1900},{},[1901,1906,1910],{"type":33,"tag":247,"props":1902,"children":1903},{},[1904],{"type":39,"value":1905},"Août 2025",{"type":33,"tag":247,"props":1907,"children":1908},{},[1909],{"type":39,"value":1544},{"type":33,"tag":247,"props":1911,"children":1912},{},[1913],{"type":39,"value":1914},"Poursuite de la baisse",{"type":33,"tag":225,"props":1916,"children":1917},{},[1918,1923,1927],{"type":33,"tag":247,"props":1919,"children":1920},{},[1921],{"type":39,"value":1922},"Fév. 2026",{"type":33,"tag":247,"props":1924,"children":1925},{},[1926],{"type":39,"value":1536},{"type":33,"tag":247,"props":1928,"children":1929},{},[1930],{"type":39,"value":1931},"Point bas",{"type":33,"tag":225,"props":1933,"children":1934},{},[1935,1943,1950],{"type":33,"tag":247,"props":1936,"children":1937},{},[1938],{"type":33,"tag":48,"props":1939,"children":1940},{},[1941],{"type":39,"value":1942},"Août 2026",{"type":33,"tag":247,"props":1944,"children":1945},{},[1946],{"type":33,"tag":48,"props":1947,"children":1948},{},[1949],{"type":39,"value":1544},{"type":33,"tag":247,"props":1951,"children":1952},{},[1953],{"type":33,"tag":48,"props":1954,"children":1955},{},[1956],{"type":39,"value":1957},"Première remontée depuis 2023",{"type":33,"tag":88,"props":1959,"children":1960},{},[],{"type":33,"tag":92,"props":1962,"children":1964},{"id":1963},"ldds-et-livret-jeune-même-hausse-automatique",[1965],{"type":39,"value":1966},"LDDS et Livret Jeune : même hausse, automatique",{"type":33,"tag":42,"props":1968,"children":1969},{},[1970,1972,1976,1978,1983],{"type":39,"value":1971},"Le ",{"type":33,"tag":48,"props":1973,"children":1974},{},[1975],{"type":39,"value":805},{"type":39,"value":1977}," (Livret de Développement Durable et Solidaire) est réglementairement aligné sur le Livret A depuis 2009. Il passe donc lui aussi à ",{"type":33,"tag":48,"props":1979,"children":1980},{},[1981],{"type":39,"value":1982},"1,7 % au 1er août 2026",{"type":39,"value":1984}," sans aucune démarche. Son plafond reste inchangé à 12 000 €.",{"type":33,"tag":42,"props":1986,"children":1987},{},[1988,1989,1994,1996,2000],{"type":39,"value":1971},{"type":33,"tag":48,"props":1990,"children":1991},{},[1992],{"type":39,"value":1993},"Livret Jeune",{"type":39,"value":1995}," (pour les 12–25 ans) fonctionne différemment : son taux est libre, mais la loi impose un minimum égal au taux du Livret A. Le plancher légal monte donc de 1,5 % à ",{"type":33,"tag":48,"props":1997,"children":1998},{},[1999],{"type":39,"value":784},{"type":39,"value":2001},". 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Bonne nouvelle : le gouvernement a confirmé que son taux ",{"type":33,"tag":48,"props":2022,"children":2023},{},[2024],{"type":39,"value":1107},{"type":39,"value":2026}," au 1er août 2026.",{"type":33,"tag":42,"props":2028,"children":2029},{},[2030,2032,2037],{"type":39,"value":2031},"Le LEP conserve donc son avantage de 0,8 point sur le Livret A (2,5 % contre 1,7 %), soit ",{"type":33,"tag":48,"props":2033,"children":2034},{},[2035],{"type":39,"value":2036},"47 % de rendement supplémentaire",{"type":39,"value":2038}," pour un même capital placé.",{"type":33,"tag":63,"props":2040,"children":2041},{},[2042],{"type":33,"tag":42,"props":2043,"children":2044},{},[2045,2047,2052],{"type":39,"value":2046},"Si vous êtes éligible au LEP (sous conditions de revenus), il reste le livret le plus rémunérateur du marché réglementé — et son avantage sur le Livret A vient même de s'élargir. Simulez vos gains sur notre ",{"type":33,"tag":77,"props":2048,"children":2050},{"href":79,"rel":2049},[81],[2051],{"type":39,"value":84},{"type":39,"value":170},{"type":33,"tag":88,"props":2054,"children":2055},{},[],{"type":33,"tag":92,"props":2057,"children":2059},{"id":2058},"faut-il-alimenter-ou-maximiser-son-livret-a-maintenant",[2060],{"type":39,"value":2061},"Faut-il alimenter ou maximiser son Livret A maintenant ?",{"type":33,"tag":42,"props":2063,"children":2064},{},[2065,2067,2072],{"type":39,"value":2066},"À 1,7 %, le Livret A reste le ",{"type":33,"tag":48,"props":2068,"children":2069},{},[2070],{"type":39,"value":2071},"meilleur placement sans risque, sans blocage et sans impôt",{"type":39,"value":2073}," pour les épargnants non éligibles au LEP. Cette remontée renforce son attractivité pour l'épargne de précaution.",{"type":33,"tag":42,"props":2075,"children":2076},{},[2077],{"type":33,"tag":48,"props":2078,"children":2079},{},[2080],{"type":39,"value":2081},"Stratégie optimale selon votre situation :",{"type":33,"tag":464,"props":2083,"children":2084},{},[2085,2095,2105],{"type":33,"tag":359,"props":2086,"children":2087},{},[2088,2093],{"type":33,"tag":48,"props":2089,"children":2090},{},[2091],{"type":39,"value":2092},"Si vous êtes éligible au LEP",{"type":39,"value":2094}," → maximisez le LEP en priorité (taux le plus élevé du réglementé)",{"type":33,"tag":359,"props":2096,"children":2097},{},[2098,2103],{"type":33,"tag":48,"props":2099,"children":2100},{},[2101],{"type":39,"value":2102},"Une fois le LEP plein (10 000 €)",{"type":39,"value":2104}," → alimentez le Livret A jusqu'au plafond (22 950 €)",{"type":33,"tag":359,"props":2106,"children":2107},{},[2108,2113],{"type":33,"tag":48,"props":2109,"children":2110},{},[2111],{"type":39,"value":2112},"Puis le LDDS",{"type":39,"value":2114}," (12 000 €) — particulièrement utile en couple, chacun pouvant détenir les trois livrets",{"type":33,"tag":42,"props":2116,"children":2117},{},[2118,2123,2125,2130],{"type":33,"tag":48,"props":2119,"children":2120},{},[2121],{"type":39,"value":2122},"À relativiser pour l'épargne long terme.",{"type":39,"value":2124}," À 1,7 %, le Livret A ne surperforme pas l'inflation sur longue période. Pour un horizon de 10 ans ou plus, des placements comme le PEA ou l'assurance-vie en unités de compte peuvent offrir des rendements bien supérieurs, avec une fiscalité avantageuse. Le Livret A doit couvrir votre ",{"type":33,"tag":48,"props":2126,"children":2127},{},[2128],{"type":39,"value":2129},"épargne de précaution",{"type":39,"value":2131}," (3 à 6 mois de dépenses), pas immobiliser une épargne qui pourrait fructifier davantage.",{"type":33,"tag":88,"props":2133,"children":2134},{},[],{"type":33,"tag":92,"props":2136,"children":2138},{"id":2137},"faq-taux-livret-a-août-2026",[2139],{"type":39,"value":2140},"FAQ — taux Livret A août 2026",{"type":33,"tag":111,"props":2142,"children":2144},{"id":2143},"quand-exactement-le-taux-de-17-est-il-appliqué",[2145],{"type":39,"value":2146},"Quand exactement le taux de 1,7 % est-il appliqué ?",{"type":33,"tag":42,"props":2148,"children":2149},{},[2150,2152,2156],{"type":39,"value":2151},"Le nouveau taux entre en vigueur le ",{"type":33,"tag":48,"props":2153,"children":2154},{},[2155],{"type":39,"value":1472},{"type":39,"value":2157},". À partir de cette date, tous les calculs d'intérêts de votre Livret A, LDDS ou Livret Jeune sont effectués au taux de 1,7 %. Inutile de contacter votre banque : c'est automatique.",{"type":33,"tag":111,"props":2159,"children":2161},{"id":2160},"faut-il-retirer-puis-remettre-son-argent-pour-bénéficier-du-nouveau-taux",[2162],{"type":39,"value":2163},"Faut-il retirer puis remettre son argent pour bénéficier du nouveau taux ?",{"type":33,"tag":42,"props":2165,"children":2166},{},[2167,2172],{"type":33,"tag":48,"props":2168,"children":2169},{},[2170],{"type":39,"value":2171},"Non, absolument pas.",{"type":39,"value":2173}," La hausse s'applique automatiquement à l'épargne déjà déposée. Retirer et remettre de l'argent ne changerait rien au taux — et pourrait même vous faire perdre des intérêts si le retrait ou le dépôt tombe en milieu de quinzaine.",{"type":33,"tag":111,"props":2175,"children":2177},{"id":2176},"les-intérêts-calculés-avant-le-1er-août-sont-ils-recalculés",[2178],{"type":39,"value":2179},"Les intérêts calculés avant le 1er août sont-ils recalculés ?",{"type":33,"tag":42,"props":2181,"children":2182},{},[2183,2187],{"type":33,"tag":48,"props":2184,"children":2185},{},[2186],{"type":39,"value":1072},{"type":39,"value":2188}," Le taux de 1,5 % s'est appliqué du 1er février au 31 juillet 2026 ; les intérêts acquis durant cette période sont définitivement acquis. À partir du 1er août, le calcul bascule à 1,7 % pour le reste de l'année. Les intérêts de toute l'année sont capitalisés et versés le 31 décembre.",{"type":33,"tag":111,"props":2190,"children":2192},{"id":2191},"le-taux-peut-il-encore-changer-en-2026",[2193],{"type":39,"value":2194},"Le taux peut-il encore changer en 2026 ?",{"type":33,"tag":42,"props":2196,"children":2197},{},[2198,2200,2205,2207,2212],{"type":39,"value":2199},"En principe non. Le taux est révisé ",{"type":33,"tag":48,"props":2201,"children":2202},{},[2203],{"type":39,"value":2204},"deux fois par an",{"type":39,"value":2206}," : le 1er février et le 1er août. La prochaine révision est prévue pour le ",{"type":33,"tag":48,"props":2208,"children":2209},{},[2210],{"type":39,"value":2211},"1er février 2027",{"type":39,"value":2213},". Il existe une clause de révision exceptionnelle si l'inflation dépasse un certain seuil, mais elle reste rarement activée.",{"type":33,"tag":111,"props":2215,"children":2217},{"id":2216},"ma-banque-en-ligne-propose-t-elle-aussi-17",[2218],{"type":39,"value":2219},"Ma banque en ligne propose-t-elle aussi 1,7 % ?",{"type":33,"tag":42,"props":2221,"children":2222},{},[2223,2227],{"type":33,"tag":48,"props":2224,"children":2225},{},[2226],{"type":39,"value":1004},{"type":39,"value":2228}," Toutes les banques distribuant le Livret A — en ligne ou en agence — sont tenues d'appliquer le taux réglementaire. BoursoBank, Fortuneo, Hello Bank!, Monabanq… appliquent le même taux que le Crédit Agricole ou La Banque Postale. Il n'y a pas de taux préférentiel possible sur le Livret A.",{"type":33,"tag":111,"props":2230,"children":2232},{"id":2231},"mon-épargne-sur-le-livret-a-est-elle-garantie",[2233],{"type":39,"value":2234},"Mon épargne sur le Livret A est-elle garantie ?",{"type":33,"tag":42,"props":2236,"children":2237},{},[2238,2242],{"type":33,"tag":48,"props":2239,"children":2240},{},[2241],{"type":39,"value":1004},{"type":39,"value":2243}," Le Livret A est un produit d'épargne réglementé par l'État, garanti par la puissance publique. Votre capital est sécurisé et disponible à tout moment sans pénalité, quelle que soit l'évolution du taux.",{"type":33,"tag":88,"props":2245,"children":2246},{},[],{"type":33,"tag":42,"props":2248,"children":2249},{},[2250,2252,2260],{"type":39,"value":2251},"Calculez précisément ce que votre Livret A rapporte avec le nouveau taux de 1,7 %, en tenant compte de vos versements mensuels et de la règle des quinzaines, avec notre ",{"type":33,"tag":48,"props":2253,"children":2254},{},[2255],{"type":33,"tag":77,"props":2256,"children":2258},{"href":868,"rel":2257},[81],[2259],{"type":39,"value":872},{"type":39,"value":86},{"title":7,"searchDepth":1348,"depth":1348,"links":2262},[2263,2264,2265,2266,2267,2268,2269],{"id":1492,"depth":1348,"text":1495},{"id":1633,"depth":1348,"text":1636},{"id":1802,"depth":1348,"text":1805},{"id":1963,"depth":1348,"text":1966},{"id":2007,"depth":1348,"text":2010},{"id":2058,"depth":1348,"text":2061},{"id":2137,"depth":1348,"text":2140,"children":2270},[2271,2272,2273,2274,2275,2276],{"id":2143,"depth":1353,"text":2146},{"id":2160,"depth":1353,"text":2163},{"id":2176,"depth":1353,"text":2179},{"id":2191,"depth":1353,"text":2194},{"id":2216,"depth":1353,"text":2219},{"id":2231,"depth":1353,"text":2234},"content:articles:hausse-taux-livret-a-aout-2026.md","articles/hausse-taux-livret-a-aout-2026.md","articles/hausse-taux-livret-a-aout-2026",1,{"_path":1390,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1391,"description":2282,"date":2283,"updatedAt":2283,"category":1392,"tags":2284,"readingTime":18,"summary":2291,"author":19,"relatedSimulator":2296,"body":2300,"_type":1382,"_id":3191,"_source":1384,"_file":3192,"_stem":3193,"_extension":1387,"_score":3194},"Délai de carence ARE après rupture conventionnelle : 7 jours fixes, différé supra-légal plafonné à 150 jours — chronologie complète + indemnité nette calculée pour 3, 6 et 12 ans d'ancienneté.","2026-07-22",[2285,2286,2287,2288,2289,2290],"rupture conventionnelle délai carence","délai de carence ARE 2026","indemnité rupture conventionnelle nette","carence France Travail rupture conventionnelle","rupture conventionnelle allocation chômage délai","calcul indemnité rupture conventionnelle 2026",[2292,2293,2294,2295],"Le délai avant le premier versement ARE se compose de trois couches : le différé congés payés, le différé spécifique lié à l'indemnité supra-légale (plafonné à 150 jours), et la franchise fixe de 7 jours.","Si vous ne percevez que l'indemnité légale (sans indemnité supra-légale négociée), le différé spécifique est nul — seuls les 7 jours de franchise s'appliquent.","L'indemnité légale est exonérée de cotisations sociales jusqu'à 96 120 € et d'impôt sur le revenu jusqu'à 288 360 € en 2026.","Entre la signature de la convention et le premier versement ARE, comptez en général 5 à 7 semaines dans le cas standard (indemnité légale, 0 CP non pris).",{"title":2297,"path":2298,"icon":2299},"Simulateur rupture conventionnelle","/simulateurs/indemnite-rupture-conventionnelle","🤝",{"type":30,"children":2301,"toc":3172},[2302,2308,2318,2323,2326,2332,2337,2347,2359,2362,2368,2374,2386,2391,2397,2409,2414,2420,2432,2437,2443,2455,2463,2476,2493,2505,2513,2625,2642,2648,2660,2665,2668,2674,2680,2692,2705,2710,2718,2751,2766,2772,2901,2912,2915,2921,2927,3030,3040,3046,3058,3063,3084,3087,3093,3101,3106,3114,3119,3127,3132,3140,3154,3157],{"type":33,"tag":34,"props":2303,"children":2305},{"id":2304},"rupture-conventionnelle-2026-délai-de-carence-france-travail-et-indemnité-nette",[2306],{"type":39,"value":2307},"Rupture conventionnelle 2026 : délai de carence France Travail et indemnité nette",{"type":33,"tag":42,"props":2309,"children":2310},{},[2311,2313],{"type":39,"value":2312},"Environ 500 000 ruptures conventionnelles sont homologuées chaque année en France. Et dans la grande majorité des cas, la première question que se pose le salarié après la signature n'est pas \"combien vais-je toucher ?\" mais : ",{"type":33,"tag":48,"props":2314,"children":2315},{},[2316],{"type":39,"value":2317},"\"Dans combien de temps ?\"",{"type":33,"tag":42,"props":2319,"children":2320},{},[2321],{"type":39,"value":2322},"La réponse dépend de quatre étapes qui s'enchaînent entre la signature du formulaire CERFA et le premier virement de France Travail. Certaines sont fixes, d'autres varient selon votre situation. Voici la chronologie complète, puis le calcul de ce que vous toucherez vraiment.",{"type":33,"tag":88,"props":2324,"children":2325},{},[],{"type":33,"tag":92,"props":2327,"children":2329},{"id":2328},"de-la-signature-au-premier-versement-la-chronologie-complète",[2330],{"type":39,"value":2331},"De la signature au premier versement : la chronologie complète",{"type":33,"tag":42,"props":2333,"children":2334},{},[2335],{"type":39,"value":2336},"Avant toute formule, voici l'ordre exact des événements — c'est ce qui manque le plus souvent dans les explications sur la rupture conventionnelle.",{"type":33,"tag":2338,"props":2339,"children":2341},"pre",{"code":2340},"Signature de la convention de rupture (formulaire CERFA)\n↓ 15 jours calendaires — délai de rétractation des deux parties\nEnvoi à la DREETS pour homologation\n↓ 15 jours ouvrables — le silence de la DREETS vaut accord\nHomologation acquise → fin du contrat effective\n↓ Inscription à France Travail (dans les 12 mois suivants)\n↓ Différé congés payés — si vous aviez des CP non soldés\n↓ Différé spécifique — calculé sur l'indemnité supra-légale (max 150 j)\n↓ Franchise fixe de 7 jours\nPremier paiement ARE\n",[2342],{"type":33,"tag":2343,"props":2344,"children":2345},"code",{"__ignoreMap":7},[2346],{"type":39,"value":2340},{"type":33,"tag":42,"props":2348,"children":2349},{},[2350,2352,2357],{"type":39,"value":2351},"Dans le cas le plus courant — indemnité purement légale, zéro CP non pris — vous touchez vos premières allocations ",{"type":33,"tag":48,"props":2353,"children":2354},{},[2355],{"type":39,"value":2356},"environ 5 à 6 semaines après la fin du contrat",{"type":39,"value":2358}," (7 jours de franchise + délai de traitement France Travail).",{"type":33,"tag":88,"props":2360,"children":2361},{},[],{"type":33,"tag":92,"props":2363,"children":2365},{"id":2364},"chaque-étape-expliquée",[2366],{"type":39,"value":2367},"Chaque étape expliquée",{"type":33,"tag":111,"props":2369,"children":2371},{"id":2370},"le-délai-de-rétractation-15-jours-calendaires",[2372],{"type":39,"value":2373},"Le délai de rétractation : 15 jours calendaires",{"type":33,"tag":42,"props":2375,"children":2376},{},[2377,2379,2384],{"type":39,"value":2378},"Une fois la convention signée par les deux parties, chacune dispose de ",{"type":33,"tag":48,"props":2380,"children":2381},{},[2382],{"type":39,"value":2383},"15 jours calendaires",{"type":39,"value":2385}," pour se rétracter, par lettre recommandée avec accusé de réception. Ce délai court à partir du lendemain de la signature.",{"type":33,"tag":42,"props":2387,"children":2388},{},[2389],{"type":39,"value":2390},"Passé ce délai sans rétractation, la procédure est irréversible.",{"type":33,"tag":111,"props":2392,"children":2394},{"id":2393},"lhomologation-dreets-15-jours-ouvrables",[2395],{"type":39,"value":2396},"L'homologation DREETS : 15 jours ouvrables",{"type":33,"tag":42,"props":2398,"children":2399},{},[2400,2402,2407],{"type":39,"value":2401},"La convention est ensuite envoyée à la DREETS (Direction régionale de l'économie, de l'emploi, du travail et des solidarités). L'administration dispose de ",{"type":33,"tag":48,"props":2403,"children":2404},{},[2405],{"type":39,"value":2406},"15 jours ouvrables",{"type":39,"value":2408}," pour vérifier sa conformité. Si elle ne répond pas dans ce délai, l'homologation est réputée acquise — ce qui représente plus de 98 % des cas (le taux de refus est inférieur à 2 %).",{"type":33,"tag":42,"props":2410,"children":2411},{},[2412],{"type":39,"value":2413},"C'est la date d'homologation qui fixe la date de fin de contrat au plus tôt.",{"type":33,"tag":111,"props":2415,"children":2417},{"id":2416},"le-différé-congés-payés",[2418],{"type":39,"value":2419},"Le différé congés payés",{"type":33,"tag":42,"props":2421,"children":2422},{},[2423,2425,2430],{"type":39,"value":2424},"Si vous avez des congés payés non pris à la date de rupture, ils génèrent un ",{"type":33,"tag":48,"props":2426,"children":2427},{},[2428],{"type":39,"value":2429},"différé d'indemnisation",{"type":39,"value":2431}," proportionnel. France Travail reporte le point de départ de vos droits du nombre de jours correspondants.",{"type":33,"tag":42,"props":2433,"children":2434},{},[2435],{"type":39,"value":2436},"Dans la pratique, beaucoup de salariés préfèrent prendre leurs CP avant la fin du contrat plutôt que de les percevoir sous forme d'indemnité compensatrice, pour éviter ce décalage sur les allocations.",{"type":33,"tag":111,"props":2438,"children":2440},{"id":2439},"le-différé-spécifique-la-partie-variable",[2441],{"type":39,"value":2442},"Le différé spécifique : la partie variable",{"type":33,"tag":42,"props":2444,"children":2445},{},[2446,2448,2453],{"type":39,"value":2447},"C'est là que la confusion naît le plus souvent. Ce différé concerne uniquement la ",{"type":33,"tag":48,"props":2449,"children":2450},{},[2451],{"type":39,"value":2452},"part d'indemnité qui dépasse le minimum légal",{"type":39,"value":2454}," (l'indemnité supra-légale, négociée en plus du plancher légal).",{"type":33,"tag":42,"props":2456,"children":2457},{},[2458],{"type":33,"tag":48,"props":2459,"children":2460},{},[2461],{"type":39,"value":2462},"Formule (circulaire Unédic n°2026-01) :",{"type":33,"tag":63,"props":2464,"children":2465},{},[2466],{"type":33,"tag":42,"props":2467,"children":2468},{},[2469,2471],{"type":39,"value":2470},"Différé spécifique (en jours) = Indemnité supra-légale ÷ ",{"type":33,"tag":48,"props":2472,"children":2473},{},[2474],{"type":39,"value":2475},"111,8",{"type":33,"tag":42,"props":2477,"children":2478},{},[2479,2480,2484,2486,2491],{"type":39,"value":1971},{"type":33,"tag":48,"props":2481,"children":2482},{},[2483],{"type":39,"value":2475},{"type":39,"value":2485}," est un diviseur fixe annuel, révisé chaque 1er janvier par circulaire Unédic (il correspond à une fraction du plafond annuel du régime d'assurance vieillesse de la Sécurité sociale). Il n'est ",{"type":33,"tag":48,"props":2487,"children":2488},{},[2489],{"type":39,"value":2490},"pas",{"type":39,"value":2492}," lié à votre salaire journalier individuel — deux salariés avec la même supra-légale subissent exactement le même différé, quel que soit leur niveau de rémunération.",{"type":33,"tag":42,"props":2494,"children":2495},{},[2496,2498,2503],{"type":39,"value":2497},"Ce différé est plafonné à ",{"type":33,"tag":48,"props":2499,"children":2500},{},[2501],{"type":39,"value":2502},"150 jours",{"type":39,"value":2504}," calendaires.",{"type":33,"tag":42,"props":2506,"children":2507},{},[2508],{"type":33,"tag":48,"props":2509,"children":2510},{},[2511],{"type":39,"value":2512},"Exemples concrets :",{"type":33,"tag":217,"props":2514,"children":2515},{},[2516,2537],{"type":33,"tag":221,"props":2517,"children":2518},{},[2519],{"type":33,"tag":225,"props":2520,"children":2521},{},[2522,2527,2532],{"type":33,"tag":229,"props":2523,"children":2524},{},[2525],{"type":39,"value":2526},"Supra-légal",{"type":33,"tag":229,"props":2528,"children":2529},{},[2530],{"type":39,"value":2531},"Calcul",{"type":33,"tag":229,"props":2533,"children":2534},{},[2535],{"type":39,"value":2536},"Différé réel",{"type":33,"tag":240,"props":2538,"children":2539},{},[2540,2561,2582,2603],{"type":33,"tag":225,"props":2541,"children":2542},{},[2543,2548,2553],{"type":33,"tag":247,"props":2544,"children":2545},{},[2546],{"type":39,"value":2547},"0 €",{"type":33,"tag":247,"props":2549,"children":2550},{},[2551],{"type":39,"value":2552},"—",{"type":33,"tag":247,"props":2554,"children":2555},{},[2556],{"type":33,"tag":48,"props":2557,"children":2558},{},[2559],{"type":39,"value":2560},"0 jour",{"type":33,"tag":225,"props":2562,"children":2563},{},[2564,2569,2574],{"type":33,"tag":247,"props":2565,"children":2566},{},[2567],{"type":39,"value":2568},"5 590 €",{"type":33,"tag":247,"props":2570,"children":2571},{},[2572],{"type":39,"value":2573},"5 590 ÷ 111,8",{"type":33,"tag":247,"props":2575,"children":2576},{},[2577],{"type":33,"tag":48,"props":2578,"children":2579},{},[2580],{"type":39,"value":2581},"~50 jours",{"type":33,"tag":225,"props":2583,"children":2584},{},[2585,2590,2595],{"type":33,"tag":247,"props":2586,"children":2587},{},[2588],{"type":39,"value":2589},"11 180 €",{"type":33,"tag":247,"props":2591,"children":2592},{},[2593],{"type":39,"value":2594},"11 180 ÷ 111,8",{"type":33,"tag":247,"props":2596,"children":2597},{},[2598],{"type":33,"tag":48,"props":2599,"children":2600},{},[2601],{"type":39,"value":2602},"~100 jours",{"type":33,"tag":225,"props":2604,"children":2605},{},[2606,2611,2616],{"type":33,"tag":247,"props":2607,"children":2608},{},[2609],{"type":39,"value":2610},"≥ 16 770 €",{"type":33,"tag":247,"props":2612,"children":2613},{},[2614],{"type":39,"value":2615},"≥ 150 × 111,8",{"type":33,"tag":247,"props":2617,"children":2618},{},[2619,2623],{"type":33,"tag":48,"props":2620,"children":2621},{},[2622],{"type":39,"value":2502},{"type":39,"value":2624}," (plafond atteint)",{"type":33,"tag":42,"props":2626,"children":2627},{},[2628,2633,2635,2640],{"type":33,"tag":48,"props":2629,"children":2630},{},[2631],{"type":39,"value":2632},"Ce que ça change concrètement :",{"type":39,"value":2634}," le diviseur fixe rend le différé significatif même pour des sommes modestes. Toute indemnité supra-légale dépassant ",{"type":33,"tag":48,"props":2636,"children":2637},{},[2638],{"type":39,"value":2639},"~16 770 €",{"type":39,"value":2641}," atteint le plafond de 150 jours (~5 mois). Un bonus de départ de 5 000 € génère déjà ~45 jours de décalage sur vos allocations — bien loin de l'impact nul qu'on imagine souvent.",{"type":33,"tag":111,"props":2643,"children":2645},{"id":2644},"la-franchise-fixe-de-7-jours",[2646],{"type":39,"value":2647},"La franchise fixe de 7 jours",{"type":33,"tag":42,"props":2649,"children":2650},{},[2651,2653,2658],{"type":39,"value":2652},"Cette franchise s'applique ",{"type":33,"tag":48,"props":2654,"children":2655},{},[2656],{"type":39,"value":2657},"systématiquement",{"type":39,"value":2659},", quelle que soit la nature de la rupture (licenciement, rupture conventionnelle, fin de CDD). 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Dans ce contexte, la rupture conventionnelle devient la seule façon pour le salarié de percevoir une indemnité de rupture. L'employeur a intérêt à imposer le licenciement disciplinaire ; le salarié, à l'inverse, a tout à gagner en contestant la qualification de la faute et en proposant une rupture d'un commun accord.",{"type":33,"tag":111,"props":4671,"children":4673},{"id":4672},"ancienneté-inférieure-à-8-mois",[4674],{"type":39,"value":4675},"Ancienneté inférieure à 8 mois",{"type":33,"tag":42,"props":4677,"children":4678},{},[4679],{"type":39,"value":4680},"Seule la rupture conventionnelle est viable si le salarié a moins de 8 mois d'ancienneté. Le licenciement reste légalement possible mais ne génère aucune indemnité légale — un point souvent ignoré.",{"type":33,"tag":111,"props":4682,"children":4684},{"id":4683},"salarié-protégé",[4685],{"type":39,"value":4686},"Salarié protégé",{"type":33,"tag":42,"props":4688,"children":4689},{},[4690],{"type":39,"value":4691},"Les délégués syndicaux, membres du CSE et autres salariés protégés ne peuvent pas conclure une rupture conventionnelle sans autorisation de l'inspection du travail. Le licenciement d'un salarié protégé est soumis aux mêmes exigences. Dans les deux cas, la procédure est plus longue et le contrôle administratif, renforcé.",{"type":33,"tag":88,"props":4693,"children":4694},{},[],{"type":33,"tag":92,"props":4696,"children":4698},{"id":4697},"quelle-option-choisir-selon-votre-profil",[4699],{"type":39,"value":4700},"Quelle option choisir selon votre profil ?",{"type":33,"tag":111,"props":4702,"children":4704},{"id":4703},"vous-êtes-salarié",[4705],{"type":39,"value":4706},"Vous êtes salarié",{"type":33,"tag":42,"props":4708,"children":4709},{},[4710],{"type":33,"tag":48,"props":4711,"children":4712},{},[4713],{"type":39,"value":4714},"Préférez la rupture conventionnelle si :",{"type":33,"tag":355,"props":4716,"children":4717},{},[4718,4723,4728,4733],{"type":33,"tag":359,"props":4719,"children":4720},{},[4721],{"type":39,"value":4722},"Vous souhaitez quitter votre poste et préserver vos droits au chômage (la démission ne le permet pas)",{"type":33,"tag":359,"props":4724,"children":4725},{},[4726],{"type":39,"value":4727},"Vous avez des arguments pour négocier une indemnité supérieure au minimum légal",{"type":33,"tag":359,"props":4729,"children":4730},{},[4731],{"type":39,"value":4732},"Vous préférez une sortie amiable sans conflit",{"type":33,"tag":359,"props":4734,"children":4735},{},[4736],{"type":39,"value":4737},"Vous n'avez pas encore 8 mois d'ancienneté",{"type":33,"tag":42,"props":4739,"children":4740},{},[4741],{"type":33,"tag":48,"props":4742,"children":4743},{},[4744],{"type":39,"value":4745},"Préférez subir le licenciement si :",{"type":33,"tag":355,"props":4747,"children":4748},{},[4749,4754,4759],{"type":33,"tag":359,"props":4750,"children":4751},{},[4752],{"type":39,"value":4753},"Votre inaptitude est d'origine professionnelle (indemnité doublée)",{"type":33,"tag":359,"props":4755,"children":4756},{},[4757],{"type":39,"value":4758},"Vous pensez que le licenciement est injustifié et vous pouvez l'attaquer aux prud'hommes",{"type":33,"tag":359,"props":4760,"children":4761},{},[4762],{"type":39,"value":4763},"Votre employeur menace un licenciement pour faute grave — mieux vaut contester que signer une rupture",{"type":33,"tag":111,"props":4765,"children":4767},{"id":4766},"vous-êtes-employeur",[4768],{"type":39,"value":4769},"Vous êtes employeur",{"type":33,"tag":42,"props":4771,"children":4772},{},[4773],{"type":33,"tag":48,"props":4774,"children":4775},{},[4776],{"type":39,"value":4777},"La rupture conventionnelle est préférable si :",{"type":33,"tag":355,"props":4779,"children":4780},{},[4781,4786,4791],{"type":33,"tag":359,"props":4782,"children":4783},{},[4784],{"type":39,"value":4785},"Le motif de séparation est difficile à justifier formellement (risque prud'homal élevé)",{"type":33,"tag":359,"props":4787,"children":4788},{},[4789],{"type":39,"value":4790},"Le salarié accepte de partir — évitez un préavis improductif en l'absence de motivation",{"type":33,"tag":359,"props":4792,"children":4793},{},[4794],{"type":39,"value":4795},"Vous souhaitez une date de départ précisément planifiée",{"type":33,"tag":42,"props":4797,"children":4798},{},[4799],{"type":33,"tag":48,"props":4800,"children":4801},{},[4802],{"type":39,"value":4803},"Le licenciement reste incontournable si :",{"type":33,"tag":355,"props":4805,"children":4806},{},[4807,4812,4817],{"type":33,"tag":359,"props":4808,"children":4809},{},[4810],{"type":39,"value":4811},"La faute du salarié est avérée et documentée",{"type":33,"tag":359,"props":4813,"children":4814},{},[4815],{"type":39,"value":4816},"Le motif économique est réel et justifiable",{"type":33,"tag":359,"props":4818,"children":4819},{},[4820],{"type":39,"value":4821},"Vous cherchez à minimiser le coût brut de la rupture (pas de forfait patronal de 40 %)",{"type":33,"tag":88,"props":4823,"children":4824},{},[],{"type":33,"tag":92,"props":4826,"children":4827},{"id":3089},[4828],{"type":39,"value":3092},{"type":33,"tag":111,"props":4830,"children":4832},{"id":4831},"lemployeur-peut-il-imposer-une-rupture-conventionnelle",[4833],{"type":39,"value":4834},"L'employeur peut-il imposer une rupture conventionnelle ?",{"type":33,"tag":42,"props":4836,"children":4837},{},[4838],{"type":39,"value":4839},"Non. La rupture conventionnelle repose sur un accord mutuel — si le salarié refuse de signer, l'employeur ne peut pas l'y contraindre. L'employeur peut en revanche initier un licenciement sans l'accord du salarié, à condition de disposer d'un motif réel et sérieux.",{"type":33,"tag":111,"props":4841,"children":4843},{"id":4842},"le-licenciement-peut-il-être-contesté-aux-prudhommes",[4844],{"type":39,"value":4845},"Le licenciement peut-il être contesté aux prud'hommes ?",{"type":33,"tag":42,"props":4847,"children":4848},{},[4849],{"type":39,"value":4850},"Oui. Si le motif de licenciement n'est pas \"réel et sérieux\", le Conseil de prud'hommes peut ordonner des dommages et intérêts. Pour les entreprises d'au moins 11 salariés, le barème Macron fixe une fourchette d'indemnités (plancher et plafond) selon l'ancienneté — de 1 mois pour 1 an jusqu'à 20 mois maximum pour 30 ans et plus. Ce risque n'existe pas avec une rupture conventionnelle régulièrement homologuée.",{"type":33,"tag":111,"props":4852,"children":4854},{"id":4853},"la-rupture-conventionnelle-est-elle-toujours-plus-intéressante-pour-le-salarié",[4855],{"type":39,"value":4856},"La rupture conventionnelle est-elle toujours plus intéressante pour le salarié ?",{"type":33,"tag":42,"props":4858,"children":4859},{},[4860],{"type":39,"value":4861},"Pas nécessairement. Pour les salariés victimes d'inaptitude professionnelle, le licenciement double l'indemnité — la rupture conventionnelle ne peut pas rivaliser. En dehors de ce cas, la rupture conventionnelle offre généralement plus de souplesse (négociation, date de départ choisie), mais le montant légal est identique.",{"type":33,"tag":111,"props":4863,"children":4865},{"id":4864},"quelle-est-la-durée-réelle-de-chaque-procédure",[4866],{"type":39,"value":4867},"Quelle est la durée réelle de chaque procédure ?",{"type":33,"tag":42,"props":4869,"children":4870},{},[4871],{"type":39,"value":4872},"Pour un licenciement avec 2 ans d'ancienneté : minimum 3 semaines de procédure + 1 à 2 mois de préavis = environ 7 à 12 semaines au total. Pour une rupture conventionnelle : 15 jours de rétractation + 15 jours d'homologation = minimum 5 à 6 semaines, sans préavis ensuite.",{"type":33,"tag":111,"props":4874,"children":4876},{"id":4875},"lindemnité-est-elle-imposable",[4877],{"type":39,"value":4878},"L'indemnité est-elle imposable ?",{"type":33,"tag":42,"props":4880,"children":4881},{},[4882,4884,4889],{"type":39,"value":4883},"Non, dans les cas courants. L'indemnité légale est exonérée d'impôt sur le revenu jusqu'à 288 360 € (6 × PASS 2026), que ce soit pour un licenciement ou une rupture conventionnelle. Pour estimer l'impact sur votre déclaration, consultez notre article sur le ",{"type":33,"tag":77,"props":4885,"children":4886},{"href":1427},[4887],{"type":39,"value":4888},"calcul de l'impôt sur le revenu",{"type":39,"value":170},{"type":33,"tag":88,"props":4891,"children":4892},{},[],{"type":33,"tag":88,"props":4894,"children":4895},{},[],{"type":33,"tag":42,"props":4897,"children":4898},{},[4899,4903,4904,4908,4910,4914],{"type":33,"tag":48,"props":4900,"children":4901},{},[4902],{"type":39,"value":3164},{"type":39,"value":1215},{"type":33,"tag":77,"props":4905,"children":4906},{"href":1408},[4907],{"type":39,"value":1409},{"type":39,"value":4909}," — calculez ce que vous devez recevoir en quittant votre poste, quel que soit le motif. · ",{"type":33,"tag":77,"props":4911,"children":4912},{"href":1401},[4913],{"type":39,"value":1402},{"type":39,"value":4915}," — comparez tous les avantages fiscaux liés à votre rémunération.",{"type":33,"tag":88,"props":4917,"children":4918},{},[],{"type":33,"tag":92,"props":4920,"children":4922},{"id":4921},"ce-quil-faut-retenir",[4923],{"type":39,"value":4924},"Ce qu'il faut retenir",{"type":33,"tag":217,"props":4926,"children":4927},{},[4928,4947],{"type":33,"tag":221,"props":4929,"children":4930},{},[4931],{"type":33,"tag":225,"props":4932,"children":4933},{},[4934,4939,4943],{"type":33,"tag":229,"props":4935,"children":4936},{},[4937],{"type":39,"value":4938},"Critère",{"type":33,"tag":229,"props":4940,"children":4941},{},[4942],{"type":39,"value":3314},{"type":33,"tag":229,"props":4944,"children":4945},{},[4946],{"type":39,"value":3319},{"type":33,"tag":240,"props":4948,"children":4949},{},[4950,4966,4984,5003,5023,5043,5058,5077,5093],{"type":33,"tag":225,"props":4951,"children":4952},{},[4953,4958,4962],{"type":33,"tag":247,"props":4954,"children":4955},{},[4956],{"type":39,"value":4957},"Formule d'indemnité",{"type":33,"tag":247,"props":4959,"children":4960},{},[4961],{"type":39,"value":3358},{"type":33,"tag":247,"props":4963,"children":4964},{},[4965],{"type":39,"value":3358},{"type":33,"tag":225,"props":4967,"children":4968},{},[4969,4973,4980],{"type":33,"tag":247,"props":4970,"children":4971},{},[4972],{"type":39,"value":2748},{"type":33,"tag":247,"props":4974,"children":4975},{},[4976],{"type":33,"tag":48,"props":4977,"children":4978},{},[4979],{"type":39,"value":3337},{"type":33,"tag":247,"props":4981,"children":4982},{},[4983],{"type":39,"value":3345},{"type":33,"tag":225,"props":4985,"children":4986},{},[4987,4992,4996],{"type":33,"tag":247,"props":4988,"children":4989},{},[4990],{"type":39,"value":4991},"Montant négociable",{"type":33,"tag":247,"props":4993,"children":4994},{},[4995],{"type":39,"value":794},{"type":33,"tag":247,"props":4997,"children":4998},{},[4999],{"type":33,"tag":48,"props":5000,"children":5001},{},[5002],{"type":39,"value":3382},{"type":33,"tag":225,"props":5004,"children":5005},{},[5006,5011,5015],{"type":33,"tag":247,"props":5007,"children":5008},{},[5009],{"type":39,"value":5010},"Forfait patronal",{"type":33,"tag":247,"props":5012,"children":5013},{},[5014],{"type":39,"value":4484},{"type":33,"tag":247,"props":5016,"children":5017},{},[5018],{"type":33,"tag":48,"props":5019,"children":5020},{},[5021],{"type":39,"value":5022},"40 % sur fraction exonérée",{"type":33,"tag":225,"props":5024,"children":5025},{},[5026,5031,5039],{"type":33,"tag":247,"props":5027,"children":5028},{},[5029],{"type":39,"value":5030},"Préavis obligatoire",{"type":33,"tag":247,"props":5032,"children":5033},{},[5034],{"type":33,"tag":48,"props":5035,"children":5036},{},[5037],{"type":39,"value":5038},"Oui (1 à 2 mois)",{"type":33,"tag":247,"props":5040,"children":5041},{},[5042],{"type":39,"value":794},{"type":33,"tag":225,"props":5044,"children":5045},{},[5046,5050,5054],{"type":33,"tag":247,"props":5047,"children":5048},{},[5049],{"type":39,"value":3769},{"type":33,"tag":247,"props":5051,"children":5052},{},[5053],{"type":39,"value":3382},{"type":33,"tag":247,"props":5055,"children":5056},{},[5057],{"type":39,"value":3382},{"type":33,"tag":225,"props":5059,"children":5060},{},[5061,5066,5073],{"type":33,"tag":247,"props":5062,"children":5063},{},[5064],{"type":39,"value":5065},"Inaptitude pro. 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Pour l'employeur, le forfait patronal de 40 % représente un surcoût significatif, partiellement compensé par l'absence de préavis. Pour le salarié, elle ouvre la possibilité de négocier au-dessus du minimum légal — ce que le licenciement ne permet pas.",{"type":33,"tag":42,"props":5115,"children":5116},{},[5117,5119,5125,5127,5133],{"type":39,"value":5118},"Calculez votre indemnité selon votre ancienneté, votre salaire et votre convention collective avec nos deux simulateurs dédiés : ",{"type":33,"tag":77,"props":5120,"children":5122},{"href":3078,"rel":5121},[81],[5123],{"type":39,"value":5124},"rupture conventionnelle",{"type":39,"value":5126}," et ",{"type":33,"tag":77,"props":5128,"children":5130},{"href":3147,"rel":5129},[81],[5131],{"type":39,"value":5132},"indemnité de licenciement",{"type":39,"value":170},{"title":7,"searchDepth":1348,"depth":1348,"links":5135},[5136,5137,5138,5143,5146,5149,5153,5154,5160,5164,5171],{"id":3244,"depth":1348,"text":3247},{"id":3428,"depth":1348,"text":3431},{"id":3614,"depth":1348,"text":3617,"children":5139},[5140,5141,5142],{"id":3625,"depth":1353,"text":3628},{"id":3662,"depth":1353,"text":3665},{"id":3680,"depth":1353,"text":3683},{"id":3789,"depth":1348,"text":3792,"children":5144},[5145],{"id":3819,"depth":1353,"text":3822},{"id":4036,"depth":1348,"text":4039,"children":5147},[5148],{"id":4107,"depth":1353,"text":4110},{"id":4229,"depth":1348,"text":4232,"children":5150},[5151,5152],{"id":4235,"depth":1353,"text":4238},{"id":4311,"depth":1353,"text":4314},{"id":4534,"depth":1348,"text":4537},{"id":4604,"depth":1348,"text":4607,"children":5155},[5156,5157,5158,5159],{"id":4610,"depth":1353,"text":4613},{"id":4661,"depth":1353,"text":4664},{"id":4672,"depth":1353,"text":4675},{"id":4683,"depth":1353,"text":4686},{"id":4697,"depth":1348,"text":4700,"children":5161},[5162,5163],{"id":4703,"depth":1353,"text":4706},{"id":4766,"depth":1353,"text":4769},{"id":3089,"depth":1348,"text":3092,"children":5165},[5166,5167,5168,5169,5170],{"id":4831,"depth":1353,"text":4834},{"id":4842,"depth":1353,"text":4845},{"id":4853,"depth":1353,"text":4856},{"id":4864,"depth":1353,"text":4867},{"id":4875,"depth":1353,"text":4878},{"id":4921,"depth":1348,"text":4924},"content:articles:rupture-conventionnelle-vs-licenciement.md","articles/rupture-conventionnelle-vs-licenciement.md","articles/rupture-conventionnelle-vs-licenciement",1784991290294]