{"id":335,"date":"2026-08-04T19:58:00","date_gmt":"2026-08-04T19:58:00","guid":{"rendered":"https:\/\/coinpric.com\/outils\/calculateur-dca-fr\/"},"modified":"2026-08-04T19:58:00","modified_gmt":"2026-08-04T19:58:00","slug":"calculateur-dca","status":"publish","type":"page","link":"https:\/\/coinpric.com\/fr\/outils\/calculateur-dca\/","title":{"rendered":"Calculateur DCA"},"content":{"rendered":"<style>\n.cp-tool{border:1px solid var(--line);border-radius:var(--r);background:var(--card);padding:16px;margin:0 0 20px}\n.cp-tool__h{font-family:var(--font-mono);font-size:10.5px;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);margin:0 0 14px}\n.cp-tool__row{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));margin-bottom:12px}\n.cp-tool label{display:block;font-size:12px;color:var(--muted);margin-bottom:5px}\n.cp-tool input,.cp-tool select{width:100%;padding:9px 10px;border:1px solid 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12px}\n.cp-tool__swap:hover{border-color:var(--brand);color:var(--brand)}\n<\/style><div class=\"cp-tool\"><p class=\"cp-tool__h\">Backtest investissement programm\u00e9 contre placement unique<\/p>\t<form method=\"get\" class=\"cp-tool__row\" style=\"margin-bottom:4px\">\n\t\t<div>\n\t\t\t<label for=\"cpd-asset\">Actif<\/label>\n\t\t\t<select id=\"cpd-asset\" name=\"asset\" onchange=\"this.form.submit()\">\n\t\t\t\t\t\t\t\t\t<option value=\"BTC\" selected>BTC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ETH\">ETH<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"USDC\">USDC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"XRP\">XRP<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"BNB\">BNB<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"SOL\">SOL<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"TRX\">TRX<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"USDE\">USDE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"DOGE\">DOGE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ADA\">ADA<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ZEC\">ZEC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"WBTC\">WBTC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"WBETH\">WBETH<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"LINK\">LINK<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"XLM\">XLM<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"BCH\">BCH<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"LTC\">LTC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"HBAR\">HBAR<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"SHIB\">SHIB<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"AVAX\">AVAX<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"SUI\">SUI<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"UNI\">UNI<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"NEAR\">NEAR<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"TAO\">TAO<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"AAVE\">AAVE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"DOT\">DOT<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"PEPE\">PEPE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ONDO\">ONDO<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"PAXG\">PAXG<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"XAUT\">XAUT<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"FDUSD\">FDUSD<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ICP\">ICP<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ETC\">ETC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ALGO\">ALGO<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"QNT\">QNT<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"RENDER\">RENDER<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"RLUSD\">RLUSD<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"JST\">JST<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"BFUSD\">BFUSD<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"WLFI\">WLFI<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ASTER\">ASTER<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"APT\">APT<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t<noscript><div style=\"display:flex;align-items:flex-end\"><button class=\"cp-btn\" type=\"submit\">Charger<\/button><\/div><\/noscript>\n\t<\/form>\n\t<div data-cp-tool=\"dca\" data-cp-series='[114992.27,117472.01,116674.74,116462.25,119294.01,118686,120134.08,123306.43,118295.09,117342.05,117380.66,117405.01,116227.05,112872.94,114271.24,112500,116935.99,115438.05,113493.59,110111.98,111763.22,111262.01,112566.9,108377.4,108816.33,108246.35,109237.42,111240.01,111705.71,110730.87,110659.99,110187.97,111137.34,112065.23,111546.39,113960,115482.69,116029.42,115918.29,115268.01,115349.71,116788.96,116447.59,117073.53,115632.38,115685.63,115232.29,112650.99,111998.8,113307,108994.49,109643.46,109635.85,112163.95,114311.96,114048.93,118594.99,120529.35,122232,122391,123482.31,124658.54,121332.95,123306,121662.4,112774.5,110644.4,114958.8,115166,113028.14,110763.28,108194.28,106431.68,107185.01,108642.78,110532.09,108297.67,107567.44,110078.18,111004.89,111646.27,114559.4,114107.65,112898.45,110021.29,108322.88,109608.01,110098.1,110540.68,106583.04,101497.22,103885.16,101346.04,103339.08,102312.94,104722.96,106011.13,103058.99,101654.37,99692.02,94594,95596.24,94261.44,92215.14,92960.83,91554.96,86637.23,85129.43,84739.74,86830,88300.01,87369.96,90484.02,91333.95,90890.7,90802.44,90360,86286.01,91277.88,93429.95,92078.06,89330.04,89236.79,90395.31,90634.34,92678.8,92015.37,92513.38,90268.42,90240.01,88172.17,86432.08,87863.42,86243.22,85516.41,88136.94,88360.9,88658.86,88620.79,87486,87669.45,87225.27,87369.56,87877.01,87952.71,87237.13,88485.49,87648.22,88839.04,89995.13,90628.01,91529.73,93859.71,93747.97,91364.16,91099.99,90641.28,90504.7,91013.65,91296.2,95414,96951.78,95604.8,95550.94,95147.77,93673.14,92631,88427.66,89454.73,89559.67,89600.26,89225.34,86670.36,88347.08,89250,89299.99,84650.16,84260.49,78741.09,76968.21,78738.61,75770.21,73165.83,62909.86,70580.26,69289.38,70330.38,70138,68841.29,67082.52,66272.17,68853.96,69822.95,68832.58,68892.43,67503.52,66461,67003.73,68020.01,67975.93,67643.4,64656.02,64058.15,67988.04,67485.18,65872.1,66973.26,65776.47,68830.06,68338,72666.77,70890.72,68114.02,67262.91,65971.2,68432.16,69948.63,70191.86,70541.34,70930,71211.95,72815.24,74884.67,73909.36,71246.54,69930,70510.73,68918.12,67859,70906.45,70556.74,71336.53,68820.31,66407.28,66377.03,66010.93,66797.37,68284.48,68113.92,66901.99,66964.3,67300.42,69034.18,68853.66,71924.22,71069.93,71787.97,72962.7,73043.16,70740.98,74417.99,74131.55,74809.99,75154.29,77072,75691.76,73801.79,75840.97,76336.15,78178.23,78257.48,77437.13,77625,78657.55,77371.32,76342.77,75780,76346.57,78231.13,78686.85,78568.57,79861.01,80905.52,81447.01,80006,80193.17,80678.4,82210.07,81745.65,80504.47,79313.61,81089.99,79113.21,78148.05,77457.67,77001.87,76834.36,77552.23,77615.52,75539.5,76752.01,77064.96,77322.01,75930.01,74449.3,73617.51,73460.78,73884.38,73674.39,71408.9,66760.83,64142.75,63885.99,61056.47,60884.62,63332.01,63085.99,61730,61510.99,63625.99,63580.01,64458.01,65746.45,66328.74,65675.01,64509.4,62958.01,63543.91,64298.01,63311.99,64020.01,62734.57,61077.99,59794,60097.27,60029,59577.01,60260.21,58624.71,60024,61560,62583.26,63144.01,63650,64042.02,63363.99,62290,63230,64161.72,63819,63780,62334.52,65043.98,64756.28,63830.2,63931.67,64834.22,64722.54,65255.51,66556.16,66114.49,65098.97,64139.99,64375,65399.99,63755.86,63915,63984.28,64780.02,62887.88,62823.64,63570,63520,64106.56,64731.95]' data-cp-sym=\"BTC\">\n\t\t<div class=\"cp-tool__row\">\n\t\t\t<div><label for=\"cpd-amt\">Montant par achat (USD)<\/label><input id=\"cpd-amt\" type=\"number\" step=\"any\" min=\"0\" value=\"100\" data-cp=\"amt\"><\/div>\n\t\t\t<div><label for=\"cpd-freq\">Fr\u00e9quence<\/label>\n\t\t\t\t<select id=\"cpd-freq\" data-cp=\"freq\">\n\t\t\t\t\t<option value=\"7\">Hebdomadaire<\/option>\n\t\t\t\t\t<option value=\"14\">Toutes les deux semaines<\/option>\n\t\t\t\t\t<option value=\"30\" selected>Mensuelle<\/option>\n\t\t\t\t<\/select>\n\t\t\t<\/div>\n\t\t\t<div><label for=\"cpd-days\">P\u00e9riode (jours)<\/label><input id=\"cpd-days\" type=\"number\" step=\"1\" min=\"30\" max=\"365\" value=\"365\" data-cp=\"days\"><\/div>\n\t\t<\/div>\n\t\t<div class=\"cp-out\">\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Total investi<\/p><div class=\"cp-out__v\" data-cp=\"invested\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Valeur actuelle en programm\u00e9<\/p><div class=\"cp-out__v\" data-cp=\"dcaval\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Rendement en programm\u00e9<\/p><div class=\"cp-out__v\" data-cp=\"dcaroi\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Co\u00fbt moyen<\/p><div class=\"cp-out__v\" data-cp=\"avgcost\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Valeur du placement unique<\/p><div class=\"cp-out__v\" data-cp=\"lsval\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Rendement du placement unique<\/p><div class=\"cp-out__v\" data-cp=\"lsroi\"><\/div><\/div>\n\t\t<\/div>\n\t\t<div style=\"margin-top:14px\">\n\t\t\t<svg data-cp=\"chart\" viewBox=\"0 0 720 240\" class=\"cp-cc__svg\" role=\"img\" aria-label=\"Valeur du portefeuille : investissement programm\u00e9 contre placement unique\"><\/svg>\n\t\t\t<p class=\"cp-tool__note\" style=\"margin-top:6px\">\n\t\t\t\t<span style=\"color:var(--brand)\">&#9632;<\/span> Investissement programm\u00e9\t\t\t\t&nbsp; <span style=\"color:var(--muted)\">&#9632;<\/span> Placement unique\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<p class=\"cp-tool__note\">Backtest\u00e9 sur 365 jours de cours de cl\u00f4ture quotidiens r\u00e9els de BTC issus de Binance. Le placement unique investit le m\u00eame total le premier jour de la p\u00e9riode. <strong>Il s\u2019agit d\u2019historique, pas d\u2019une pr\u00e9vision.<\/strong> Le r\u00e9sultat d\u00e9pend presque enti\u00e8rement de la fen\u00eatre choisie \u2014 d\u00e9calez la date de d\u00e9part et le gagnant change souvent \u2014 consid\u00e9rez-le donc comme un moyen de comprendre le m\u00e9canisme, et non comme la preuve qu\u2019une approche vaut mieux que l\u2019autre.<\/p><\/div>\n<h2>Ce que fait ce r\u00e9trotest<\/h2>\n<p>L&rsquo;investissement programm\u00e9 (DCA) consiste \u00e0 acheter un montant fixe \u00e0 intervalle fixe, quel que soit le prix. L&rsquo;alternative est d&rsquo;engager la totalit\u00e9 en une fois. Cet outil ex\u00e9cute les deux strat\u00e9gies sur de vrais cours de cl\u00f4ture quotidiens et montre ce que chacune aurait produit : total investi, valeur finale, rendement et \u2014 pour le plan programm\u00e9 \u2014 le prix moyen que vous auriez pay\u00e9.<\/p>\n<p>Le graphique trace les deux valeurs de portefeuille sur la p\u00e9riode. La ligne pleine correspond \u00e0 l&rsquo;investissement programm\u00e9, la ligne pointill\u00e9e au versement unique. Observer leur divergence est plus instructif que les chiffres finaux, car cela montre <em>quand<\/em> chaque approche \u00e9tait devant.<\/p>\n<h2>Comment l&rsquo;utiliser<\/h2>\n<ol>\n<li>Choisissez un actif. Seuls figurent ceux pour lesquels nous disposons d&rsquo;un v\u00e9ritable historique quotidien.<\/li>\n<li>Fixez le montant investi \u00e0 chaque achat.<\/li>\n<li>Choisissez une fr\u00e9quence hebdomadaire, bimensuelle ou mensuelle.<\/li>\n<li>Raccourcissez la p\u00e9riode pour tester une autre fen\u00eatre.<\/li>\n<\/ol>\n<p>Le versement unique investit toujours le m\u00eame total que le plan programm\u00e9, engag\u00e9 au premier jour de la fen\u00eatre, afin que la comparaison soit \u00e0 armes \u00e9gales.<\/p>\n<h2>La r\u00e9serve la plus importante<\/h2>\n<p><strong>Ceci est de l&rsquo;histoire, non une pr\u00e9vision.<\/strong> Le r\u00e9sultat d\u00e9pend massivement de la fen\u00eatre choisie. Dans un march\u00e9 en hausse r\u00e9guli\u00e8re, le versement unique l&#8217;emporte presque toujours, car il \u00e9tait expos\u00e9 plus t\u00f4t. Dans un march\u00e9 qui a chut\u00e9 puis s&rsquo;est redress\u00e9, le programm\u00e9 l&#8217;emporte, car les achats ult\u00e9rieurs \u00e9taient moins chers. D\u00e9calez la date de d\u00e9part de quelques semaines et le gagnant change souvent. Quiconque vous affirme qu&rsquo;un r\u00e9trotest prouve la sup\u00e9riorit\u00e9 d&rsquo;une approche vous montre une fen\u00eatre choisie.<\/p>\n<p>Ce que l&rsquo;investissement programm\u00e9 offre r\u00e9ellement, ce n&rsquo;est pas un rendement sup\u00e9rieur, mais un pire sc\u00e9nario plus faible et une d\u00e9cision que vous pouvez continuer de prendre sans avoir \u00e0 deviner le bon moment. C&rsquo;est un avantage comportemental, et pour beaucoup c&rsquo;est le plus pr\u00e9cieux \u2014 mais c&rsquo;est une affirmation diff\u00e9rente de \u00ab \u00e7a rapporte plus \u00bb.<\/p>\n<h2>Ce qui n&rsquo;est pas mod\u00e9lis\u00e9<\/h2>\n<p>Les frais de transaction, les spreads, la fiscalit\u00e9 \u00e0 la cession, et le fait qu&rsquo;un plan r\u00e9el est souvent interrompu. Les prix sont des cl\u00f4tures quotidiennes de Binance : le timing intrajournalier est ignor\u00e9. Notre <a href=\"\/methodology\/\">m\u00e9thodologie<\/a> d\u00e9taille la cha\u00eene de donn\u00e9es. Rien ici n&rsquo;est un conseil.<\/p>\n<h3>Questions fr\u00e9quentes<\/h3>\n<p><strong>Pourquoi seuls certains actifs sont-ils propos\u00e9s ?<\/strong> Parce que nous n&rsquo;avons une v\u00e9ritable s\u00e9rie quotidienne que pour ceux-l\u00e0. Nous ne simulerons pas un historique de prix pour remplir un menu d\u00e9roulant.<\/p>\n<p><strong>Jusqu&rsquo;o\u00f9 remonte-t-il ?<\/strong> Jusqu&rsquo;\u00e0 environ un an de cl\u00f4tures quotidiennes, ce que nous mettons en cache.<\/p>\n<p><strong>Un r\u00e9sultat positif signifie-t-il que cela marchera ?<\/strong> Non. Voir la r\u00e9serve ci-dessus : cela signifie que \u00e7a a march\u00e9 sur cette fen\u00eatre.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comparez l&rsquo;investissement programm\u00e9 \u00e0 un versement unique sur de vrais cours de cl\u00f4ture quotidiens, et voyez les deux courbes de portefeuille c\u00f4te \u00e0 c\u00f4te.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":270,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-335","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/pages\/335","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/comments?post=335"}],"version-history":[{"count":0,"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/pages\/335\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/pages\/270"}],"wp:attachment":[{"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/media?parent=335"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}