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Gratuit.","2026-07-31","epargne",[13,14,15,16,17,18],"PEL 2026","plan épargne logement","taux PEL 2026","simulation PEL","prêt épargne logement","calcul intérêt PEL",8,"equipe-estimateur",{"title":22,"path":23,"icon":24},"Simulateur PEL","/simulateurs/estimation-rendement-livret-pel","🏠",[26,27,28,29],"Un PEL ouvert en 2026 rapporte 2,00 % brut — soit 1,40 % net après PFU de 30 %, en dessous du Livret A actuel (1,7 % net). Les plans ouverts en 2024 bénéficient d'un taux de 2,25 % brut (1,575 % net). Son vrai avantage : un taux garanti et bloqué à vie, qui ne bougera jamais même si les taux du marché baissent.","Le plafond de dépôt est fixé à 61 200 €, avec un versement initial minimum de 225 € et 540 €/an de versements obligatoires. Clôture avant 2 ans : intérêts recalculés au taux du CEL. Entre 2 et 4 ans : taux conservé mais droits à prêt perdus ou diminués.","Après 4 ans d'épargne minimum, le PEL donne accès à un prêt épargne logement pour financer votre résidence principale ou secondaire (max 92 000 €). Taux : 3,20 % pour un plan ouvert en 2026, 2,95 % pour 2025, 3,45 % pour 2024 — toujours taux PEL + 1,20 %.","Comme le Livret A, le PEL calcule ses intérêts par quinzaines et les capitalise le 31 décembre. Différence clé : tout retrait entraîne la clôture complète du plan. Sur 10 000 € initiaux + 540 €/an pendant 4 ans (taux 2,25 %), le PEL génère environ 1 055 € bruts — soit 739 € nets après PFU.",{"type":31,"children":32,"toc":1742},"root",[33,42,70,92,96,103,115,128,133,136,142,154,331,357,376,379,385,404,412,422,432,575,606,625,628,634,641,660,666,739,744,750,762,856,876,879,885,903,909,921,1000,1006,1067,1073,1085,1102,1114,1117,1123,1128,1213,1225,1238,1241,1247,1404,1412,1432,1440,1458,1479,1482,1488,1494,1512,1518,1523,1584,1590,1600,1606,1618,1621,1627,1678,1686,1705,1708],{"type":34,"tag":35,"props":36,"children":38},"element","h1",{"id":37},"pel-2026-taux-garanti-calcul-des-intérêts-et-simulation-du-prêt-épargne-logement",[39],{"type":40,"value":41},"text","PEL 2026 — taux garanti, calcul des intérêts et simulation du prêt épargne logement",{"type":34,"tag":43,"props":44,"children":45},"p",{},[46,48,54,56,61,63,68],{"type":40,"value":47},"Le Plan Épargne Logement reste l'un des placements réglementés les plus mal compris des Français. Son taux brut est fixé à l'ouverture : ",{"type":34,"tag":49,"props":50,"children":51},"strong",{},[52],{"type":40,"value":53},"2,00 %",{"type":40,"value":55}," pour un plan ouvert en 2026, ce qui donne ",{"type":34,"tag":49,"props":57,"children":58},{},[59],{"type":40,"value":60},"1,40 % net",{"type":40,"value":62}," après le prélèvement forfaitaire unique de 30 % — en dessous du Livret A à 1,7 %. Les plans ouverts en 2024 bénéficient d'un taux plus favorable de 2,25 % brut (1,575 % net). Alors, le PEL vaut-il encore le coup ? Oui, mais pas pour les raisons que vous croyez : son vrai avantage, c'est un taux ",{"type":34,"tag":49,"props":64,"children":65},{},[66],{"type":40,"value":67},"bloqué à vie",{"type":40,"value":69},", un capital forcément accumulé, et un prêt immobilier à taux avantageux à la clé. 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Notre outil de ",{"type":34,"tag":49,"props":109,"children":110},{},[111],{"type":40,"value":112},"simulation plan épargne logement",{"type":40,"value":114}," prend en compte votre capital initial, vos versements mensuels ou annuels, le taux de votre plan et la durée envisagée — et calcule les intérêts nets, le capital final et les droits à prêt associés.",{"type":34,"tag":43,"props":116,"children":117},{},[118,126],{"type":34,"tag":49,"props":119,"children":120},{},[121],{"type":34,"tag":85,"props":122,"children":123},{"href":23},[124],{"type":40,"value":125},"→ Lancer la simulation PEL",{"type":40,"value":127}," — gratuit, sans inscription, résultat instantané.",{"type":34,"tag":43,"props":129,"children":130},{},[131],{"type":40,"value":132},"Les sections suivantes expliquent la logique derrière ces résultats : pourquoi la date d'ouverture détermine votre taux à vie, comment les intérêts se capitalisent, et dans quels cas le prêt PEL vaut vraiment le détour.",{"type":34,"tag":93,"props":134,"children":135},{},[],{"type":34,"tag":97,"props":137,"children":139},{"id":138},"taux-pel-2026-selon-la-date-douverture",[140],{"type":40,"value":141},"Taux PEL 2026 — selon la date d'ouverture",{"type":34,"tag":43,"props":143,"children":144},{},[145,147,152],{"type":40,"value":146},"Le taux du PEL est fixé à l'ouverture et reste ",{"type":34,"tag":49,"props":148,"children":149},{},[150],{"type":40,"value":151},"garanti jusqu'à la clôture",{"type":40,"value":153},". 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La différence fondamentale : ces intérêts ne sont pas disponibles immédiatement — ils sont ",{"type":34,"tag":49,"props":398,"children":399},{},[400],{"type":40,"value":401},"capitalisés une fois par an, le 31 décembre",{"type":40,"value":403},", et s'ajoutent au capital pour produire à leur tour des intérêts l'année suivante. 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Utilisez notre ",{"type":34,"tag":85,"props":1472,"children":1474},{"href":1473},"/simulateurs/optimisateur-livrets",[1475],{"type":40,"value":1476},"optimisateur de livrets",{"type":40,"value":1478}," pour trouver la répartition optimale selon votre situation.",{"type":34,"tag":93,"props":1480,"children":1481},{},[],{"type":34,"tag":97,"props":1483,"children":1485},{"id":1484},"faq-pel-2026",[1486],{"type":40,"value":1487},"FAQ PEL 2026",{"type":34,"tag":635,"props":1489,"children":1491},{"id":1490},"peut-on-fermer-un-pel-avant-4-ans-sans-perdre-tous-ses-intérêts",[1492],{"type":40,"value":1493},"Peut-on fermer un PEL avant 4 ans sans perdre tous ses intérêts ?",{"type":34,"tag":43,"props":1495,"children":1496},{},[1497,1499,1503,1505,1510],{"type":40,"value":1498},"Oui, mais les conséquences varient selon le moment de la clôture. ",{"type":34,"tag":49,"props":1500,"children":1501},{},[1502],{"type":40,"value":791},{"type":40,"value":1504}," : les intérêts sont recalculés au taux du CEL (Compte Épargne Logement) en vigueur au jour de la clôture — généralement bien inférieur au taux PEL — et vous perdez vos droits à prêt. ",{"type":34,"tag":49,"props":1506,"children":1507},{},[1508],{"type":40,"value":1509},"Entre 2 et 4 ans",{"type":40,"value":1511}," : vous conservez votre taux contractuel plein, mais vous perdez tout ou partie de vos droits à prêt. Dans tous les cas, vous récupérez votre capital et les intérêts recalculés selon ces règles.",{"type":34,"tag":635,"props":1513,"children":1515},{"id":1514},"combien-rapporte-un-pel-de-10-000-sur-4-ans",[1516],{"type":40,"value":1517},"Combien rapporte un PEL de 10 000 € sur 4 ans ?",{"type":34,"tag":43,"props":1519,"children":1520},{},[1521],{"type":40,"value":1522},"Avec 10 000 € de versement initial et 540 €/an de versements supplémentaires :",{"type":34,"tag":1413,"props":1524,"children":1525},{},[1526,1557],{"type":34,"tag":1417,"props":1527,"children":1528},{},[1529,1534,1536,1541,1543,1548,1550,1555],{"type":34,"tag":49,"props":1530,"children":1531},{},[1532],{"type":40,"value":1533},"PEL ouvert en 2024 (taux 2,25 %)",{"type":40,"value":1535}," : environ ",{"type":34,"tag":49,"props":1537,"children":1538},{},[1539],{"type":40,"value":1540},"1 055 € d'intérêts bruts",{"type":40,"value":1542},", soit ",{"type":34,"tag":49,"props":1544,"children":1545},{},[1546],{"type":40,"value":1547},"739 € nets",{"type":40,"value":1549}," après PFU de 30 %. Capital final : environ ",{"type":34,"tag":49,"props":1551,"children":1552},{},[1553],{"type":40,"value":1554},"12 899 €",{"type":40,"value":1556},".",{"type":34,"tag":1417,"props":1558,"children":1559},{},[1560,1565,1566,1571,1572,1577,1578,1583],{"type":34,"tag":49,"props":1561,"children":1562},{},[1563],{"type":40,"value":1564},"PEL ouvert en 2026 (taux 2,00 %)",{"type":40,"value":1535},{"type":34,"tag":49,"props":1567,"children":1568},{},[1569],{"type":40,"value":1570},"935 € d'intérêts bruts",{"type":40,"value":1542},{"type":34,"tag":49,"props":1573,"children":1574},{},[1575],{"type":40,"value":1576},"655 € nets",{"type":40,"value":1549},{"type":34,"tag":49,"props":1579,"children":1580},{},[1581],{"type":40,"value":1582},"12 815 €",{"type":40,"value":1556},{"type":34,"tag":635,"props":1585,"children":1587},{"id":1586},"le-taux-pel-peut-il-changer-en-cours-de-plan",[1588],{"type":40,"value":1589},"Le taux PEL peut-il changer en cours de plan ?",{"type":34,"tag":43,"props":1591,"children":1592},{},[1593,1598],{"type":34,"tag":49,"props":1594,"children":1595},{},[1596],{"type":40,"value":1597},"Non.",{"type":40,"value":1599}," C'est la caractéristique fondamentale du PEL : le taux est bloqué à vie à l'ouverture. Un PEL ouvert aujourd'hui à 2,00 % conservera ce taux jusqu'à sa clôture, que vous le fermiez dans 4 ans ou dans 15 ans. C'est également vrai pour le taux du prêt PEL associé : 3,20 % pour un plan ouvert en 2026, 3,45 % pour un plan ouvert en 2024.",{"type":34,"tag":635,"props":1601,"children":1603},{"id":1602},"comment-calculer-ses-droits-à-prêt-pel",[1604],{"type":40,"value":1605},"Comment calculer ses droits à prêt PEL ?",{"type":34,"tag":43,"props":1607,"children":1608},{},[1609,1611,1616],{"type":40,"value":1610},"Les droits à prêt sont calculés sur la base des intérêts acquis, multipliés par un coefficient qui dépend du taux du PEL et de la durée du prêt envisagé. Votre banque effectue ce calcul automatiquement. En pratique, comptez environ ",{"type":34,"tag":49,"props":1612,"children":1613},{},[1614],{"type":40,"value":1615},"15 000 à 20 000 € de capacité d'emprunt",{"type":40,"value":1617}," pour 4 ans d'épargne à 2,25 % sur un PEL alimenté au minimum requis. Pour approcher les 92 000 € maximum, il faut une épargne longue (8-10 ans) proche du plafond de 61 200 €.",{"type":34,"tag":93,"props":1619,"children":1620},{},[],{"type":34,"tag":97,"props":1622,"children":1624},{"id":1623},"en-résumé",[1625],{"type":40,"value":1626},"En résumé",{"type":34,"tag":1413,"props":1628,"children":1629},{},[1630,1642,1661,1666],{"type":34,"tag":1417,"props":1631,"children":1632},{},[1633,1635,1640],{"type":40,"value":1634},"Un PEL ouvert en 2026 rapporte ",{"type":34,"tag":49,"props":1636,"children":1637},{},[1638],{"type":40,"value":1639},"2,00 % brut",{"type":40,"value":1641}," (1,40 % net après PFU) — en dessous du Livret A actuel à 1,7 % net. Les plans ouverts en 2024 bénéficient d'un meilleur taux (2,25 % brut, 1,575 % net).",{"type":34,"tag":1417,"props":1643,"children":1644},{},[1645,1647,1652,1654,1659],{"type":40,"value":1646},"Son vrai avantage : un taux ",{"type":34,"tag":49,"props":1648,"children":1649},{},[1650],{"type":40,"value":1651},"garanti et fixe",{"type":40,"value":1653},", des versements forcés qui construisent l'épargne, et un ",{"type":34,"tag":49,"props":1655,"children":1656},{},[1657],{"type":40,"value":1658},"prêt immobilier",{"type":40,"value":1660}," (3,20 % pour un plan 2026, 3,45 % pour 2024) après 4 ans.",{"type":34,"tag":1417,"props":1662,"children":1663},{},[1664],{"type":40,"value":1665},"Ne fermez jamais un ancien PEL sans vérifier son taux historique : un PEL à 2,50 % ou plus vaut de l'or en période de taux bas.",{"type":34,"tag":1417,"props":1667,"children":1668},{},[1669,1671,1676],{"type":40,"value":1670},"Les intérêts sont calculés par quinzaines (comme le Livret A) et capitalisés ",{"type":34,"tag":49,"props":1672,"children":1673},{},[1674],{"type":40,"value":1675},"le 31 décembre",{"type":40,"value":1677}," — planifiez vos versements début janvier pour maximiser les quinzaines comptabilisées dans l'année.",{"type":34,"tag":43,"props":1679,"children":1680},{},[1681],{"type":34,"tag":49,"props":1682,"children":1683},{},[1684],{"type":40,"value":1685},"Simulez votre PEL maintenant :",{"type":34,"tag":1413,"props":1687,"children":1688},{},[1689,1697],{"type":34,"tag":1417,"props":1690,"children":1691},{},[1692],{"type":34,"tag":85,"props":1693,"children":1694},{"href":23},[1695],{"type":40,"value":1696},"Simulateur PEL — rendement net et droits à prêt",{"type":34,"tag":1417,"props":1698,"children":1699},{},[1700],{"type":34,"tag":85,"props":1701,"children":1702},{"href":1473},[1703],{"type":40,"value":1704},"Optimisateur de livrets — LEP, Livret A, LDDS, PEL",{"type":34,"tag":93,"props":1706,"children":1707},{},[],{"type":34,"tag":43,"props":1709,"children":1710},{},[1711],{"type":34,"tag":1712,"props":1713,"children":1714},"em",{},[1715,1717,1725,1727,1734,1735],{"type":40,"value":1716},"Sources : ",{"type":34,"tag":85,"props":1718,"children":1722},{"href":1719,"rel":1720},"https://www.banque-france.fr",[1721],"nofollow",[1723],{"type":40,"value":1724},"Taux PEL 2024 — Banque de France",{"type":40,"value":1726}," · ",{"type":34,"tag":85,"props":1728,"children":1731},{"href":1729,"rel":1730},"https://www.service-public.fr/particuliers/vosdroits/F16140",[1721],[1732],{"type":40,"value":1733},"Plafond et conditions PEL — service-public.fr",{"type":40,"value":1726},{"type":34,"tag":85,"props":1736,"children":1739},{"href":1737,"rel":1738},"https://www.impots.gouv.fr",[1721],[1740],{"type":40,"value":1741},"Fiscalité PEL — impots.gouv.fr",{"title":7,"searchDepth":1743,"depth":1743,"links":1744},2,[1745,1746,1747,1748,1754,1759,1760,1761,1767],{"id":99,"depth":1743,"text":102},{"id":138,"depth":1743,"text":141},{"id":381,"depth":1743,"text":384},{"id":630,"depth":1743,"text":633,"children":1749},[1750,1752,1753],{"id":637,"depth":1751,"text":640},3,{"id":662,"depth":1751,"text":665},{"id":746,"depth":1751,"text":749},{"id":881,"depth":1743,"text":884,"children":1755},[1756,1757,1758],{"id":905,"depth":1751,"text":908},{"id":1002,"depth":1751,"text":1005},{"id":1069,"depth":1751,"text":1072},{"id":1119,"depth":1743,"text":1122},{"id":1243,"depth":1743,"text":1246},{"id":1484,"depth":1743,"text":1487,"children":1762},[1763,1764,1765,1766],{"id":1490,"depth":1751,"text":1493},{"id":1514,"depth":1751,"text":1517},{"id":1586,"depth":1751,"text":1589},{"id":1602,"depth":1751,"text":1605},{"id":1623,"depth":1743,"text":1626},"markdown","content:articles:pel-2026-taux-simulation-pret.md","content","articles/pel-2026-taux-simulation-pret.md","articles/pel-2026-taux-simulation-pret","md",[1775,1776,1780,1783,1786,1789,1792,1796,1799,1803,1806,1809,1812,1815,1818,1821,1824],{"_path":4,"title":8,"category":11},{"_path":1777,"title":1778,"category":1779},"/articles/rupture-conventionnelle-carence-are-2026","Rupture conventionnelle 2026 : délai de carence France Travail et indemnité nette calculée","carriere",{"_path":1781,"title":1782,"category":11},"/articles/hausse-taux-livret-a-aout-2026","Taux Livret A août 2026 : hausse à 1,7 % — ce que ça change",{"_path":1784,"title":1785,"category":1779},"/articles/rupture-conventionnelle-vs-licenciement","Rupture conventionnelle vs licenciement : lequel choisir ?",{"_path":1787,"title":1788,"category":11},"/articles/lep-2026-conditions-eligibilite","LEP 2026 : conditions d'éligibilité et plafonds de revenus",{"_path":1790,"title":1791,"category":1779},"/articles/heures-supplementaires-net-2026","Heures supplémentaires : combien en net en 2026 ?",{"_path":1793,"title":1794,"category":1795},"/articles/charges-copropriete-prix-m2","Charges de copropriété 2026 : prix moyen au m²","immobilier",{"_path":1797,"title":1798,"category":1779},"/articles/conges-payes-non-pris-calcul","Congés payés non pris : indemnité compensatrice",{"_path":1800,"title":1801,"category":1802},"/articles/contester-taxe-fonciere-2026","Taxe foncière 2026 : comment contester si vous payez trop ?","fiscalite",{"_path":1804,"title":1805,"category":1795},"/articles/depot-garantie-retenues-legales","Dépôt de garantie : retenues légales autorisées 2026",{"_path":1807,"title":1808,"category":1795},"/articles/frais-de-notaire-2026","Frais de notaire 2026 : calcul et montants réels",{"_path":1810,"title":1811,"category":1795},"/articles/taux-endettement-capacite-emprunt","Taux d'endettement 2026 : calculer sa capacité d'emprunt",{"_path":1813,"title":1814,"category":1802},"/articles/tva-reduite-travaux-2026","TVA réduite travaux 2026 : conditions et éligibilité",{"_path":1816,"title":1817,"category":1802},"/articles/calculer-impot-revenu-2025","Calculer son impôt sur le revenu 2025 : barème officiel",{"_path":1819,"title":1820,"category":11},"/articles/comprendre-livret-a-2025","Livret A 2026 : taux 1,7 %, plafond et intérêts",{"_path":1822,"title":1823,"category":1802},"/articles/bareme-kilometrique-2025","Barème kilométrique 2025 : frais réels déductibles",{"_path":1825,"title":1826,"category":1795},"/articles/plus-value-immobiliere-guide","Plus-value immobilière 2025 : calcul et exonérations",[1828,2743,3592],{"_path":1777,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1778,"description":1829,"date":1830,"updatedAt":1830,"category":1779,"tags":1831,"readingTime":1838,"summary":1839,"author":20,"relatedSimulator":1844,"body":1848,"_type":1768,"_id":2739,"_source":1770,"_file":2740,"_stem":2741,"_extension":1773,"_score":2742},"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",[1832,1833,1834,1835,1836,1837],"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",7,[1840,1841,1842,1843],"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":1845,"path":1846,"icon":1847},"Simulateur rupture conventionnelle","/simulateurs/indemnite-rupture-conventionnelle","🤝",{"type":31,"children":1849,"toc":2720},[1850,1856,1866,1871,1874,1880,1885,1893,1905,1908,1914,1920,1932,1937,1943,1955,1960,1966,1978,1983,1989,2001,2009,2022,2040,2052,2060,2172,2189,2195,2207,2212,2215,2221,2227,2239,2252,2257,2265,2298,2313,2319,2448,2459,2462,2468,2474,2577,2587,2593,2605,2610,2631,2634,2640,2648,2653,2661,2666,2674,2679,2687,2701,2704],{"type":34,"tag":35,"props":1851,"children":1853},{"id":1852},"rupture-conventionnelle-2026-délai-de-carence-france-travail-et-indemnité-nette",[1854],{"type":40,"value":1855},"Rupture conventionnelle 2026 : délai de carence France Travail et indemnité nette",{"type":34,"tag":43,"props":1857,"children":1858},{},[1859,1861],{"type":40,"value":1860},"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":34,"tag":49,"props":1862,"children":1863},{},[1864],{"type":40,"value":1865},"\"Dans combien de temps ?\"",{"type":34,"tag":43,"props":1867,"children":1868},{},[1869],{"type":40,"value":1870},"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":34,"tag":93,"props":1872,"children":1873},{},[],{"type":34,"tag":97,"props":1875,"children":1877},{"id":1876},"de-la-signature-au-premier-versement-la-chronologie-complète",[1878],{"type":40,"value":1879},"De la signature au premier versement : la chronologie complète",{"type":34,"tag":43,"props":1881,"children":1882},{},[1883],{"type":40,"value":1884},"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":34,"tag":413,"props":1886,"children":1888},{"code":1887},"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",[1889],{"type":34,"tag":418,"props":1890,"children":1891},{"__ignoreMap":7},[1892],{"type":40,"value":1887},{"type":34,"tag":43,"props":1894,"children":1895},{},[1896,1898,1903],{"type":40,"value":1897},"Dans le cas le plus courant — indemnité purement légale, zéro CP non pris — vous touchez vos premières allocations ",{"type":34,"tag":49,"props":1899,"children":1900},{},[1901],{"type":40,"value":1902},"environ 5 à 6 semaines après la fin du contrat",{"type":40,"value":1904}," (7 jours de franchise + délai de traitement France Travail).",{"type":34,"tag":93,"props":1906,"children":1907},{},[],{"type":34,"tag":97,"props":1909,"children":1911},{"id":1910},"chaque-étape-expliquée",[1912],{"type":40,"value":1913},"Chaque étape expliquée",{"type":34,"tag":635,"props":1915,"children":1917},{"id":1916},"le-délai-de-rétractation-15-jours-calendaires",[1918],{"type":40,"value":1919},"Le délai de rétractation : 15 jours calendaires",{"type":34,"tag":43,"props":1921,"children":1922},{},[1923,1925,1930],{"type":40,"value":1924},"Une fois la convention signée par les deux parties, chacune dispose de ",{"type":34,"tag":49,"props":1926,"children":1927},{},[1928],{"type":40,"value":1929},"15 jours calendaires",{"type":40,"value":1931}," pour se rétracter, par lettre recommandée avec accusé de réception. Ce délai court à partir du lendemain de la signature.",{"type":34,"tag":43,"props":1933,"children":1934},{},[1935],{"type":40,"value":1936},"Passé ce délai sans rétractation, la procédure est irréversible.",{"type":34,"tag":635,"props":1938,"children":1940},{"id":1939},"lhomologation-dreets-15-jours-ouvrables",[1941],{"type":40,"value":1942},"L'homologation DREETS : 15 jours ouvrables",{"type":34,"tag":43,"props":1944,"children":1945},{},[1946,1948,1953],{"type":40,"value":1947},"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":34,"tag":49,"props":1949,"children":1950},{},[1951],{"type":40,"value":1952},"15 jours ouvrables",{"type":40,"value":1954}," pour vérifier sa conformité. 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Notre ",{"type":34,"tag":85,"props":2693,"children":2696},{"href":2694,"rel":2695},"https://estimateur.net/simulateurs/simulateur-indemnite-licenciement",[1721],[2697],{"type":40,"value":2698},"simulateur d'indemnité de licenciement",{"type":40,"value":2700}," vous permet de comparer les deux cas côte à côte.",{"type":34,"tag":93,"props":2702,"children":2703},{},[],{"type":34,"tag":43,"props":2705,"children":2706},{},[2707,2712,2714,2718],{"type":34,"tag":49,"props":2708,"children":2709},{},[2710],{"type":40,"value":2711},"À lire aussi :",{"type":40,"value":2713}," ",{"type":34,"tag":85,"props":2715,"children":2716},{"href":1797},[2717],{"type":40,"value":1798},{"type":40,"value":2719}," — pour calculer l'indemnité de CP non pris qui s'intègre au solde de tout compte.",{"title":7,"searchDepth":1743,"depth":1743,"links":2721},[2722,2723,2730,2734,2738],{"id":1876,"depth":1743,"text":1879},{"id":1910,"depth":1743,"text":1913,"children":2724},[2725,2726,2727,2728,2729],{"id":1916,"depth":1751,"text":1919},{"id":1939,"depth":1751,"text":1942},{"id":1962,"depth":1751,"text":1965},{"id":1985,"depth":1751,"text":1988},{"id":2191,"depth":1751,"text":2194},{"id":2217,"depth":1743,"text":2220,"children":2731},[2732,2733],{"id":2223,"depth":1751,"text":2226},{"id":2315,"depth":1751,"text":2318},{"id":2464,"depth":1743,"text":2467,"children":2735},[2736,2737],{"id":2470,"depth":1751,"text":2473},{"id":2589,"depth":1751,"text":2592},{"id":2636,"depth":1743,"text":2639},"content:articles:rupture-conventionnelle-carence-are-2026.md","articles/rupture-conventionnelle-carence-are-2026.md","articles/rupture-conventionnelle-carence-are-2026",0,{"_path":1781,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1782,"description":2744,"date":2745,"category":11,"tags":2746,"readingTime":2752,"author":20,"relatedSimulator":2753,"summary":2757,"body":2762,"_type":1768,"_id":3589,"_source":1770,"_file":3590,"_stem":3591,"_extension":1773,"_score":2742},"Le taux du Livret A passe de 1,5 % à 1,7 % au 1er août 2026. 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Bonne nouvelle : le gouvernement a confirmé que son taux ",{"type":34,"tag":49,"props":3328,"children":3329},{},[3330],{"type":40,"value":3331},"reste inchangé à 2,5 %",{"type":40,"value":3333}," au 1er août 2026.",{"type":34,"tag":43,"props":3335,"children":3336},{},[3337,3339,3344],{"type":40,"value":3338},"Le LEP conserve donc son avantage de 0,8 point sur le Livret A (2,5 % contre 1,7 %), soit ",{"type":34,"tag":49,"props":3340,"children":3341},{},[3342],{"type":40,"value":3343},"47 % de rendement supplémentaire",{"type":40,"value":3345}," pour un même capital placé.",{"type":34,"tag":71,"props":3347,"children":3348},{},[3349],{"type":34,"tag":43,"props":3350,"children":3351},{},[3352,3354,3361],{"type":40,"value":3353},"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":34,"tag":85,"props":3355,"children":3358},{"href":3356,"rel":3357},"https://estimateur.net/simulateurs/estimation-rendement-livret-lep",[1721],[3359],{"type":40,"value":3360},"simulateur LEP",{"type":40,"value":1556},{"type":34,"tag":93,"props":3363,"children":3364},{},[],{"type":34,"tag":97,"props":3366,"children":3368},{"id":3367},"faut-il-alimenter-ou-maximiser-son-livret-a-maintenant",[3369],{"type":40,"value":3370},"Faut-il alimenter ou maximiser son Livret A maintenant ?",{"type":34,"tag":43,"props":3372,"children":3373},{},[3374,3376,3381],{"type":40,"value":3375},"À 1,7 %, le Livret A reste le ",{"type":34,"tag":49,"props":3377,"children":3378},{},[3379],{"type":40,"value":3380},"meilleur placement sans risque, sans blocage et sans impôt",{"type":40,"value":3382}," pour les épargnants non éligibles au LEP. Cette remontée renforce son attractivité pour l'épargne de précaution.",{"type":34,"tag":43,"props":3384,"children":3385},{},[3386],{"type":34,"tag":49,"props":3387,"children":3388},{},[3389],{"type":40,"value":3390},"Stratégie optimale selon votre situation :",{"type":34,"tag":3392,"props":3393,"children":3394},"ol",{},[3395,3405,3415],{"type":34,"tag":1417,"props":3396,"children":3397},{},[3398,3403],{"type":34,"tag":49,"props":3399,"children":3400},{},[3401],{"type":40,"value":3402},"Si vous êtes éligible au LEP",{"type":40,"value":3404}," → maximisez le LEP en priorité (taux le plus élevé du réglementé)",{"type":34,"tag":1417,"props":3406,"children":3407},{},[3408,3413],{"type":34,"tag":49,"props":3409,"children":3410},{},[3411],{"type":40,"value":3412},"Une fois le LEP plein (10 000 €)",{"type":40,"value":3414}," → alimentez le Livret A jusqu'au plafond (22 950 €)",{"type":34,"tag":1417,"props":3416,"children":3417},{},[3418,3423],{"type":34,"tag":49,"props":3419,"children":3420},{},[3421],{"type":40,"value":3422},"Puis le LDDS",{"type":40,"value":3424}," (12 000 €) — particulièrement utile en couple, chacun pouvant détenir les trois livrets",{"type":34,"tag":43,"props":3426,"children":3427},{},[3428,3433,3435,3440],{"type":34,"tag":49,"props":3429,"children":3430},{},[3431],{"type":40,"value":3432},"À relativiser pour l'épargne long terme.",{"type":40,"value":3434}," 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":34,"tag":49,"props":3436,"children":3437},{},[3438],{"type":40,"value":3439},"épargne de précaution",{"type":40,"value":3441}," (3 à 6 mois de dépenses), pas immobiliser une épargne qui pourrait fructifier davantage.",{"type":34,"tag":93,"props":3443,"children":3444},{},[],{"type":34,"tag":97,"props":3446,"children":3448},{"id":3447},"faq-taux-livret-a-août-2026",[3449],{"type":40,"value":3450},"FAQ — taux Livret A août 2026",{"type":34,"tag":635,"props":3452,"children":3454},{"id":3453},"quand-exactement-le-taux-de-17-est-il-appliqué",[3455],{"type":40,"value":3456},"Quand exactement le taux de 1,7 % est-il appliqué ?",{"type":34,"tag":43,"props":3458,"children":3459},{},[3460,3462,3466],{"type":40,"value":3461},"Le nouveau taux entre en vigueur le ",{"type":34,"tag":49,"props":3463,"children":3464},{},[3465],{"type":40,"value":2779},{"type":40,"value":3467},". 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":34,"tag":635,"props":3469,"children":3471},{"id":3470},"faut-il-retirer-puis-remettre-son-argent-pour-bénéficier-du-nouveau-taux",[3472],{"type":40,"value":3473},"Faut-il retirer puis remettre son argent pour bénéficier du nouveau taux ?",{"type":34,"tag":43,"props":3475,"children":3476},{},[3477,3482],{"type":34,"tag":49,"props":3478,"children":3479},{},[3480],{"type":40,"value":3481},"Non, absolument pas.",{"type":40,"value":3483}," 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":34,"tag":635,"props":3485,"children":3487},{"id":3486},"les-intérêts-calculés-avant-le-1er-août-sont-ils-recalculés",[3488],{"type":40,"value":3489},"Les intérêts calculés avant le 1er août sont-ils recalculés ?",{"type":34,"tag":43,"props":3491,"children":3492},{},[3493,3497],{"type":34,"tag":49,"props":3494,"children":3495},{},[3496],{"type":40,"value":1597},{"type":40,"value":3498}," 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":34,"tag":635,"props":3500,"children":3502},{"id":3501},"le-taux-peut-il-encore-changer-en-2026",[3503],{"type":40,"value":3504},"Le taux peut-il encore changer en 2026 ?",{"type":34,"tag":43,"props":3506,"children":3507},{},[3508,3510,3515,3517,3522],{"type":40,"value":3509},"En principe non. Le taux est révisé ",{"type":34,"tag":49,"props":3511,"children":3512},{},[3513],{"type":40,"value":3514},"deux fois par an",{"type":40,"value":3516}," : le 1er février et le 1er août. La prochaine révision est prévue pour le ",{"type":34,"tag":49,"props":3518,"children":3519},{},[3520],{"type":40,"value":3521},"1er février 2027",{"type":40,"value":3523},". Il existe une clause de révision exceptionnelle si l'inflation dépasse un certain seuil, mais elle reste rarement activée.",{"type":34,"tag":635,"props":3525,"children":3527},{"id":3526},"ma-banque-en-ligne-propose-t-elle-aussi-17",[3528],{"type":40,"value":3529},"Ma banque en ligne propose-t-elle aussi 1,7 % ?",{"type":34,"tag":43,"props":3531,"children":3532},{},[3533,3538],{"type":34,"tag":49,"props":3534,"children":3535},{},[3536],{"type":40,"value":3537},"Oui.",{"type":40,"value":3539}," 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":34,"tag":635,"props":3541,"children":3543},{"id":3542},"mon-épargne-sur-le-livret-a-est-elle-garantie",[3544],{"type":40,"value":3545},"Mon épargne sur le Livret A est-elle garantie ?",{"type":34,"tag":43,"props":3547,"children":3548},{},[3549,3553],{"type":34,"tag":49,"props":3550,"children":3551},{},[3552],{"type":40,"value":3537},{"type":40,"value":3554}," 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":34,"tag":93,"props":3556,"children":3557},{},[],{"type":34,"tag":43,"props":3559,"children":3560},{},[3561,3563,3571],{"type":40,"value":3562},"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":34,"tag":49,"props":3564,"children":3565},{},[3566],{"type":34,"tag":85,"props":3567,"children":3569},{"href":3096,"rel":3568},[1721],[3570],{"type":40,"value":2754},{"type":40,"value":3572}," — gratuit et instantané.",{"title":7,"searchDepth":1743,"depth":1743,"links":3574},[3575,3576,3577,3578,3579,3580,3581],{"id":2799,"depth":1743,"text":2802},{"id":2939,"depth":1743,"text":2942},{"id":3107,"depth":1743,"text":3110},{"id":3268,"depth":1743,"text":3271},{"id":3312,"depth":1743,"text":3315},{"id":3367,"depth":1743,"text":3370},{"id":3447,"depth":1743,"text":3450,"children":3582},[3583,3584,3585,3586,3587,3588],{"id":3453,"depth":1751,"text":3456},{"id":3470,"depth":1751,"text":3473},{"id":3486,"depth":1751,"text":3489},{"id":3501,"depth":1751,"text":3504},{"id":3526,"depth":1751,"text":3529},{"id":3542,"depth":1751,"text":3545},"content:articles:hausse-taux-livret-a-aout-2026.md","articles/hausse-taux-livret-a-aout-2026.md","articles/hausse-taux-livret-a-aout-2026",{"_path":1784,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1785,"description":3593,"date":3594,"updatedAt":3594,"category":1779,"tags":3595,"readingTime":3603,"author":20,"relatedSimulator":3604,"summary":3605,"body":3610,"_type":1768,"_id":5567,"_source":1770,"_file":5568,"_stem":5569,"_extension":1773,"_score":2742},"Indemnité légale identique, fiscalité similaire, mais forfait patronal de 40 % côté employeur : comparatif rupture conventionnelle vs licenciement en 2026.","2026-07-14",[3596,3597,3598,3599,3600,3601,3602],"rupture conventionnelle vs licenciement","comparatif rupture conventionnelle licenciement","rupture conventionnelle ou licenciement avantage","forfait patronal rupture conventionnelle 2026","licenciement coût employeur","indemnité rupture conventionnelle exemples chiffrés","quelle rupture choisir salarié employeur",10,{"title":1845,"path":1846,"icon":1847},[3606,3607,3608,3609],"La formule d'indemnité est identique (1/4 puis 1/3 mois/an), mais la rupture conventionnelle n'exige aucune ancienneté minimale, contre 8 mois requis pour le licenciement.","Pour l'employeur, la rupture conventionnelle coûte systématiquement plus cher : un forfait patronal de 40 % s'applique sur la fraction exonérée, sans équivalent au licenciement.","Pour le salarié, les deux modes de rupture donnent accès aux allocations chômage et bénéficient des mêmes exonérations fiscales jusqu'à 6 × le PASS (288 360 € en 2026).","La rupture conventionnelle offre un montant librement négociable au-dessus du minimum légal ; le licenciement impose le minimum sauf convention collective plus favorable.",{"type":31,"children":3611,"toc":5529},[3612,3618,3623,3635,3638,3644,3656,3684,3694,3814,3819,3822,3828,3840,3969,3974,3986,4005,4008,4014,4019,4025,4044,4056,4062,4074,4080,4085,4180,4183,4189,4201,4213,4219,4407,4415,4427,4430,4436,4448,4479,4491,4501,4507,4608,4620,4623,4629,4635,4640,4693,4705,4711,4716,4769,4781,4915,4925,4928,4934,4946,4957,4975,4980,4995,4998,5004,5010,5022,5027,5050,5055,5061,5066,5072,5077,5083,5088,5091,5097,5103,5111,5134,5142,5160,5166,5174,5192,5200,5218,5221,5225,5231,5236,5242,5247,5253,5258,5264,5269,5275,5286,5289,5292,5312,5315,5321,5504,5509],{"type":34,"tag":35,"props":3613,"children":3615},{"id":3614},"rupture-conventionnelle-ou-licenciement-quelle-option-est-la-plus-avantageuse-financièrement-en-2026",[3616],{"type":40,"value":3617},"Rupture conventionnelle ou licenciement : quelle option est la plus avantageuse financièrement en 2026 ?",{"type":34,"tag":43,"props":3619,"children":3620},{},[3621],{"type":40,"value":3622},"Quand la séparation entre un salarié et son employeur devient inévitable, deux solutions dominent la discussion : le licenciement et la rupture conventionnelle. Ces deux modes de rupture partagent la même formule de calcul de l'indemnité légale — mais les ressemblances s'arrêtent là. Coût pour l'employeur, liberté de négociation, délais de procédure, accès au chômage : ce guide compare point par point les deux options, avec des exemples chiffrés concrets pour que vous puissiez trancher.",{"type":34,"tag":3624,"props":3625,"children":3628},"div",{"className":3626},[3627],"data",[3629,3633],{"type":34,"tag":49,"props":3630,"children":3631},{},[3632],{"type":40,"value":1626},{"type":40,"value":3634}," — L'indemnité légale est calculée de la même façon dans les deux cas (1/4 puis 1/3 mois de salaire par année d'ancienneté). La rupture conventionnelle coûte davantage à l'employeur (+40 % de forfait patronal sur la fraction exonérée) mais offre au salarié la possibilité de négocier au-dessus du minimum légal. Les deux donnent accès aux allocations chômage.\n",{"type":34,"tag":93,"props":3636,"children":3637},{},[],{"type":34,"tag":97,"props":3639,"children":3641},{"id":3640},"la-formule-de-calcul-identique-mais-pas-le-seuil-déligibilité",[3642],{"type":40,"value":3643},"La formule de calcul : identique, mais pas le seuil d'éligibilité",{"type":34,"tag":43,"props":3645,"children":3646},{},[3647,3649,3654],{"type":40,"value":3648},"Depuis les ordonnances Macron de 2017, le calcul de l'indemnité légale est ",{"type":34,"tag":49,"props":3650,"children":3651},{},[3652],{"type":40,"value":3653},"strictement identique",{"type":40,"value":3655}," pour la rupture conventionnelle et pour le licenciement :",{"type":34,"tag":1413,"props":3657,"children":3658},{},[3659,3669,3679],{"type":34,"tag":1417,"props":3660,"children":3661},{},[3662,3667],{"type":34,"tag":49,"props":3663,"children":3664},{},[3665],{"type":40,"value":3666},"Pour les 10 premières années",{"type":40,"value":3668}," : ¼ de mois de salaire brut de référence par année d'ancienneté",{"type":34,"tag":1417,"props":3670,"children":3671},{},[3672,3677],{"type":34,"tag":49,"props":3673,"children":3674},{},[3675],{"type":40,"value":3676},"Au-delà de 10 ans",{"type":40,"value":3678}," : ⅓ de mois de salaire brut de référence par année d'ancienneté",{"type":34,"tag":1417,"props":3680,"children":3681},{},[3682],{"type":40,"value":3683},"Les mois incomplets sont proratisés au jour près",{"type":34,"tag":43,"props":3685,"children":3686},{},[3687,3688,3692],{"type":40,"value":2026},{"type":34,"tag":49,"props":3689,"children":3690},{},[3691],{"type":40,"value":2236},{"type":40,"value":3693}," retenu est le plus favorable entre la moyenne des 12 derniers mois bruts ou la moyenne des 3 derniers mois bruts (primes annuelles proratisées au mois dans les deux cas).",{"type":34,"tag":155,"props":3695,"children":3696},{},[3697,3716],{"type":34,"tag":159,"props":3698,"children":3699},{},[3700],{"type":34,"tag":163,"props":3701,"children":3702},{},[3703,3706,3711],{"type":34,"tag":167,"props":3704,"children":3705},{},[],{"type":34,"tag":167,"props":3707,"children":3708},{},[3709],{"type":40,"value":3710},"Licenciement",{"type":34,"tag":167,"props":3712,"children":3713},{},[3714],{"type":40,"value":3715},"Rupture conventionnelle",{"type":34,"tag":183,"props":3717,"children":3718},{},[3719,3742,3759,3779,3797],{"type":34,"tag":163,"props":3720,"children":3721},{},[3722,3726,3734],{"type":34,"tag":190,"props":3723,"children":3724},{},[3725],{"type":40,"value":2295},{"type":34,"tag":190,"props":3727,"children":3728},{},[3729],{"type":34,"tag":49,"props":3730,"children":3731},{},[3732],{"type":40,"value":3733},"8 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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":34,"tag":635,"props":5067,"children":5069},{"id":5068},"ancienneté-inférieure-à-8-mois",[5070],{"type":40,"value":5071},"Ancienneté inférieure à 8 mois",{"type":34,"tag":43,"props":5073,"children":5074},{},[5075],{"type":40,"value":5076},"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":34,"tag":635,"props":5078,"children":5080},{"id":5079},"salarié-protégé",[5081],{"type":40,"value":5082},"Salarié protégé",{"type":34,"tag":43,"props":5084,"children":5085},{},[5086],{"type":40,"value":5087},"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":34,"tag":93,"props":5089,"children":5090},{},[],{"type":34,"tag":97,"props":5092,"children":5094},{"id":5093},"quelle-option-choisir-selon-votre-profil",[5095],{"type":40,"value":5096},"Quelle option choisir selon votre profil ?",{"type":34,"tag":635,"props":5098,"children":5100},{"id":5099},"vous-êtes-salarié",[5101],{"type":40,"value":5102},"Vous êtes salarié",{"type":34,"tag":43,"props":5104,"children":5105},{},[5106],{"type":34,"tag":49,"props":5107,"children":5108},{},[5109],{"type":40,"value":5110},"Préférez la rupture conventionnelle si :",{"type":34,"tag":1413,"props":5112,"children":5113},{},[5114,5119,5124,5129],{"type":34,"tag":1417,"props":5115,"children":5116},{},[5117],{"type":40,"value":5118},"Vous souhaitez quitter votre poste et préserver vos droits au chômage (la démission ne le permet pas)",{"type":34,"tag":1417,"props":5120,"children":5121},{},[5122],{"type":40,"value":5123},"Vous avez des arguments pour négocier une indemnité supérieure au minimum légal",{"type":34,"tag":1417,"props":5125,"children":5126},{},[5127],{"type":40,"value":5128},"Vous préférez une sortie amiable sans conflit",{"type":34,"tag":1417,"props":5130,"children":5131},{},[5132],{"type":40,"value":5133},"Vous n'avez pas encore 8 mois d'ancienneté",{"type":34,"tag":43,"props":5135,"children":5136},{},[5137],{"type":34,"tag":49,"props":5138,"children":5139},{},[5140],{"type":40,"value":5141},"Préférez subir le licenciement si :",{"type":34,"tag":1413,"props":5143,"children":5144},{},[5145,5150,5155],{"type":34,"tag":1417,"props":5146,"children":5147},{},[5148],{"type":40,"value":5149},"Votre inaptitude est d'origine professionnelle (indemnité doublée)",{"type":34,"tag":1417,"props":5151,"children":5152},{},[5153],{"type":40,"value":5154},"Vous pensez que le licenciement est injustifié et vous pouvez l'attaquer aux prud'hommes",{"type":34,"tag":1417,"props":5156,"children":5157},{},[5158],{"type":40,"value":5159},"Votre employeur menace un licenciement pour faute grave — mieux vaut contester que signer une rupture",{"type":34,"tag":635,"props":5161,"children":5163},{"id":5162},"vous-êtes-employeur",[5164],{"type":40,"value":5165},"Vous êtes employeur",{"type":34,"tag":43,"props":5167,"children":5168},{},[5169],{"type":34,"tag":49,"props":5170,"children":5171},{},[5172],{"type":40,"value":5173},"La rupture conventionnelle est préférable si :",{"type":34,"tag":1413,"props":5175,"children":5176},{},[5177,5182,5187],{"type":34,"tag":1417,"props":5178,"children":5179},{},[5180],{"type":40,"value":5181},"Le motif de séparation est difficile à justifier formellement (risque prud'homal élevé)",{"type":34,"tag":1417,"props":5183,"children":5184},{},[5185],{"type":40,"value":5186},"Le salarié accepte de partir — évitez un préavis improductif en l'absence de motivation",{"type":34,"tag":1417,"props":5188,"children":5189},{},[5190],{"type":40,"value":5191},"Vous souhaitez une date de départ précisément planifiée",{"type":34,"tag":43,"props":5193,"children":5194},{},[5195],{"type":34,"tag":49,"props":5196,"children":5197},{},[5198],{"type":40,"value":5199},"Le licenciement reste incontournable si :",{"type":34,"tag":1413,"props":5201,"children":5202},{},[5203,5208,5213],{"type":34,"tag":1417,"props":5204,"children":5205},{},[5206],{"type":40,"value":5207},"La faute du salarié est avérée et documentée",{"type":34,"tag":1417,"props":5209,"children":5210},{},[5211],{"type":40,"value":5212},"Le motif économique est réel et justifiable",{"type":34,"tag":1417,"props":5214,"children":5215},{},[5216],{"type":40,"value":5217},"Vous cherchez à minimiser le coût brut de la rupture (pas de forfait patronal de 40 %)",{"type":34,"tag":93,"props":5219,"children":5220},{},[],{"type":34,"tag":97,"props":5222,"children":5223},{"id":2636},[5224],{"type":40,"value":2639},{"type":34,"tag":635,"props":5226,"children":5228},{"id":5227},"lemployeur-peut-il-imposer-une-rupture-conventionnelle",[5229],{"type":40,"value":5230},"L'employeur peut-il imposer une rupture conventionnelle ?",{"type":34,"tag":43,"props":5232,"children":5233},{},[5234],{"type":40,"value":5235},"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":34,"tag":635,"props":5237,"children":5239},{"id":5238},"le-licenciement-peut-il-être-contesté-aux-prudhommes",[5240],{"type":40,"value":5241},"Le licenciement peut-il être contesté aux prud'hommes ?",{"type":34,"tag":43,"props":5243,"children":5244},{},[5245],{"type":40,"value":5246},"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":34,"tag":635,"props":5248,"children":5250},{"id":5249},"la-rupture-conventionnelle-est-elle-toujours-plus-intéressante-pour-le-salarié",[5251],{"type":40,"value":5252},"La rupture conventionnelle est-elle toujours plus intéressante pour le salarié ?",{"type":34,"tag":43,"props":5254,"children":5255},{},[5256],{"type":40,"value":5257},"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":34,"tag":635,"props":5259,"children":5261},{"id":5260},"quelle-est-la-durée-réelle-de-chaque-procédure",[5262],{"type":40,"value":5263},"Quelle est la durée réelle de chaque procédure ?",{"type":34,"tag":43,"props":5265,"children":5266},{},[5267],{"type":40,"value":5268},"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":34,"tag":635,"props":5270,"children":5272},{"id":5271},"lindemnité-est-elle-imposable",[5273],{"type":40,"value":5274},"L'indemnité est-elle imposable ?",{"type":34,"tag":43,"props":5276,"children":5277},{},[5278,5280,5285],{"type":40,"value":5279},"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":34,"tag":85,"props":5281,"children":5282},{"href":1816},[5283],{"type":40,"value":5284},"calcul de l'impôt sur le revenu",{"type":40,"value":1556},{"type":34,"tag":93,"props":5287,"children":5288},{},[],{"type":34,"tag":93,"props":5290,"children":5291},{},[],{"type":34,"tag":43,"props":5293,"children":5294},{},[5295,5299,5300,5304,5306,5310],{"type":34,"tag":49,"props":5296,"children":5297},{},[5298],{"type":40,"value":2711},{"type":40,"value":2713},{"type":34,"tag":85,"props":5301,"children":5302},{"href":1797},[5303],{"type":40,"value":1798},{"type":40,"value":5305}," — calculez ce que vous devez recevoir en quittant votre poste, quel que soit le motif. · ",{"type":34,"tag":85,"props":5307,"children":5308},{"href":1790},[5309],{"type":40,"value":1791},{"type":40,"value":5311}," — comparez tous les avantages fiscaux liés à votre rémunération.",{"type":34,"tag":93,"props":5313,"children":5314},{},[],{"type":34,"tag":97,"props":5316,"children":5318},{"id":5317},"ce-quil-faut-retenir",[5319],{"type":40,"value":5320},"Ce qu'il faut retenir",{"type":34,"tag":155,"props":5322,"children":5323},{},[5324,5342],{"type":34,"tag":159,"props":5325,"children":5326},{},[5327],{"type":34,"tag":163,"props":5328,"children":5329},{},[5330,5334,5338],{"type":34,"tag":167,"props":5331,"children":5332},{},[5333],{"type":40,"value":1260},{"type":34,"tag":167,"props":5335,"children":5336},{},[5337],{"type":40,"value":3710},{"type":34,"tag":167,"props":5339,"children":5340},{},[5341],{"type":40,"value":3715},{"type":34,"tag":183,"props":5343,"children":5344},{},[5345,5361,5379,5398,5418,5438,5453,5472,5488],{"type":34,"tag":163,"props":5346,"children":5347},{},[5348,5353,5357],{"type":34,"tag":190,"props":5349,"children":5350},{},[5351],{"type":40,"value":5352},"Formule d'indemnité",{"type":34,"tag":190,"props":5354,"children":5355},{},[5356],{"type":40,"value":3754},{"type":34,"tag":190,"props":5358,"children":5359},{},[5360],{"type":40,"value":3754},{"type":34,"tag":163,"props":5362,"children":5363},{},[5364,5368,5375],{"type":34,"tag":190,"props":5365,"children":5366},{},[5367],{"type":40,"value":2295},{"type":34,"tag":190,"props":5369,"children":5370},{},[5371],{"type":34,"tag":49,"props":5372,"children":5373},{},[5374],{"type":40,"value":3733},{"type":34,"tag":190,"props":5376,"children":5377},{},[5378],{"type":40,"value":3741},{"type":34,"tag":163,"props":5380,"children":5381},{},[5382,5387,5391],{"type":34,"tag":190,"props":5383,"children":5384},{},[5385],{"type":40,"value":5386},"Montant négociable",{"type":34,"tag":190,"props":5388,"children":5389},{},[5390],{"type":40,"value":1386},{"type":34,"tag":190,"props":5392,"children":5393},{},[5394],{"type":34,"tag":49,"props":5395,"children":5396},{},[5397],{"type":40,"value":3778},{"type":34,"tag":163,"props":5399,"children":5400},{},[5401,5406,5410],{"type":34,"tag":190,"props":5402,"children":5403},{},[5404],{"type":40,"value":5405},"Forfait patronal",{"type":34,"tag":190,"props":5407,"children":5408},{},[5409],{"type":40,"value":4880},{"type":34,"tag":190,"props":5411,"children":5412},{},[5413],{"type":34,"tag":49,"props":5414,"children":5415},{},[5416],{"type":40,"value":5417},"40 % sur fraction exonérée",{"type":34,"tag":163,"props":5419,"children":5420},{},[5421,5426,5434],{"type":34,"tag":190,"props":5422,"children":5423},{},[5424],{"type":40,"value":5425},"Préavis obligatoire",{"type":34,"tag":190,"props":5427,"children":5428},{},[5429],{"type":34,"tag":49,"props":5430,"children":5431},{},[5432],{"type":40,"value":5433},"Oui (1 à 2 mois)",{"type":34,"tag":190,"props":5435,"children":5436},{},[5437],{"type":40,"value":1386},{"type":34,"tag":163,"props":5439,"children":5440},{},[5441,5445,5449],{"type":34,"tag":190,"props":5442,"children":5443},{},[5444],{"type":40,"value":4165},{"type":34,"tag":190,"props":5446,"children":5447},{},[5448],{"type":40,"value":3778},{"type":34,"tag":190,"props":5450,"children":5451},{},[5452],{"type":40,"value":3778},{"type":34,"tag":163,"props":5454,"children":5455},{},[5456,5461,5468],{"type":34,"tag":190,"props":5457,"children":5458},{},[5459],{"type":40,"value":5460},"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":34,"tag":43,"props":5510,"children":5511},{},[5512,5514,5520,5522,5528],{"type":40,"value":5513},"Calculez votre indemnité selon votre ancienneté, votre salaire et votre convention collective avec nos deux simulateurs dédiés : ",{"type":34,"tag":85,"props":5515,"children":5517},{"href":2625,"rel":5516},[1721],[5518],{"type":40,"value":5519},"rupture conventionnelle",{"type":40,"value":5521}," et ",{"type":34,"tag":85,"props":5523,"children":5525},{"href":2694,"rel":5524},[1721],[5526],{"type":40,"value":5527},"indemnité de licenciement",{"type":40,"value":1556},{"title":7,"searchDepth":1743,"depth":1743,"links":5530},[5531,5532,5533,5538,5541,5544,5548,5549,5555,5559,5566],{"id":3640,"depth":1743,"text":3643},{"id":3824,"depth":1743,"text":3827},{"id":4010,"depth":1743,"text":4013,"children":5534},[5535,5536,5537],{"id":4021,"depth":1751,"text":4024},{"id":4058,"depth":1751,"text":4061},{"id":4076,"depth":1751,"text":4079},{"id":4185,"depth":1743,"text":4188,"children":5539},[5540],{"id":4215,"depth":1751,"text":4218},{"id":4432,"depth":1743,"text":4435,"children":5542},[5543],{"id":4503,"depth":1751,"text":4506},{"id":4625,"depth":1743,"text":4628,"children":5545},[5546,5547],{"id":4631,"depth":1751,"text":4634},{"id":4707,"depth":1751,"text":4710},{"id":4930,"depth":1743,"text":4933},{"id":5000,"depth":1743,"text":5003,"children":5550},[5551,5552,5553,5554],{"id":5006,"depth":1751,"text":5009},{"id":5057,"depth":1751,"text":5060},{"id":5068,"depth":1751,"text":5071},{"id":5079,"depth":1751,"text":5082},{"id":5093,"depth":1743,"text":5096,"children":5556},[5557,5558],{"id":5099,"depth":1751,"text":5102},{"id":5162,"depth":1751,"text":5165},{"id":2636,"depth":1743,"text":2639,"children":5560},[5561,5562,5563,5564,5565],{"id":5227,"depth":1751,"text":5230},{"id":5238,"depth":1751,"text":5241},{"id":5249,"depth":1751,"text":5252},{"id":5260,"depth":1751,"text":5263},{"id":5271,"depth":1751,"text":5274},{"id":5317,"depth":1743,"text":5320},"content:articles:rupture-conventionnelle-vs-licenciement.md","articles/rupture-conventionnelle-vs-licenciement.md","articles/rupture-conventionnelle-vs-licenciement",1785615276199]