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Disponible en 41 langues." > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-41" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">41 langues</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-am mw-list-item"><a href="https://am.wikipedia.org/wiki/%E1%88%B4%E1%89%AA%E1%8A%95%E1%8C%8D_%E1%8A%A0%E1%8A%AB%E1%8B%8D%E1%8A%95%E1%89%B5" title="ሴቪንግ አካውንት – amharique" lang="am" hreflang="am" data-title="ሴቪንግ አካውንት" data-language-autonym="አማርኛ" data-language-local-name="amharique" class="interlanguage-link-target"><span>አማርኛ</span></a></li><li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D8%AD%D8%B3%D8%A7%D8%A8_%D8%AA%D9%88%D9%81%D9%8A%D8%B1" title="حساب توفير – arabe" lang="ar" hreflang="ar" data-title="حساب توفير" data-language-autonym="العربية" data-language-local-name="arabe" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-be mw-list-item"><a href="https://be.wikipedia.org/wiki/%D0%94%D1%8D%D0%BF%D0%B0%D0%B7%D1%96%D1%82" title="Дэпазіт – biélorusse" lang="be" hreflang="be" data-title="Дэпазіт" data-language-autonym="Беларуская" data-language-local-name="biélorusse" class="interlanguage-link-target"><span>Беларуская</span></a></li><li class="interlanguage-link interwiki-be-x-old mw-list-item"><a href="https://be-tarask.wikipedia.org/wiki/%D0%94%D1%8D%D0%BF%D0%B0%D0%B7%D1%8B%D1%82" title="Дэпазыт – Belarusian (Taraškievica orthography)" lang="be-tarask" hreflang="be-tarask" data-title="Дэпазыт" data-language-autonym="Беларуская (тарашкевіца)" data-language-local-name="Belarusian (Taraškievica orthography)" class="interlanguage-link-target"><span>Беларуская (тарашкевіца)</span></a></li><li class="interlanguage-link interwiki-bg mw-list-item"><a href="https://bg.wikipedia.org/wiki/%D0%A1%D0%BF%D0%B5%D1%81%D1%82%D0%BE%D0%B2%D0%BD%D0%B0_%D1%81%D0%BC%D0%B5%D1%82%D0%BA%D0%B0" title="Спестовна сметка – bulgare" lang="bg" hreflang="bg" data-title="Спестовна сметка" data-language-autonym="Български" data-language-local-name="bulgare" class="interlanguage-link-target"><span>Български</span></a></li><li class="interlanguage-link interwiki-bn mw-list-item"><a href="https://bn.wikipedia.org/wiki/%E0%A6%B8%E0%A6%9E%E0%A7%8D%E0%A6%9A%E0%A6%AF%E0%A6%BC%E0%A7%80_%E0%A6%B9%E0%A6%BF%E0%A6%B8%E0%A6%BE%E0%A6%AC" title="সঞ্চয়ী হিসাব – bengali" lang="bn" hreflang="bn" data-title="সঞ্চয়ী হিসাব" data-language-autonym="বাংলা" data-language-local-name="bengali" class="interlanguage-link-target"><span>বাংলা</span></a></li><li class="interlanguage-link interwiki-ca mw-list-item"><a href="https://ca.wikipedia.org/wiki/Compte_d%27estalvis" title="Compte d'estalvis – catalan" lang="ca" hreflang="ca" data-title="Compte d'estalvis" data-language-autonym="Català" data-language-local-name="catalan" class="interlanguage-link-target"><span>Català</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/Spo%C5%99ic%C3%AD_%C3%BA%C4%8Det" title="Spořicí účet – tchèque" lang="cs" hreflang="cs" data-title="Spořicí účet" data-language-autonym="Čeština" data-language-local-name="tchèque" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/Spareinlage" title="Spareinlage – allemand" lang="de" hreflang="de" data-title="Spareinlage" data-language-autonym="Deutsch" data-language-local-name="allemand" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-el mw-list-item"><a href="https://el.wikipedia.org/wiki/%CE%9A%CE%B1%CF%84%CE%B1%CE%B8%CE%AD%CF%83%CE%B5%CE%B9%CF%82" title="Καταθέσεις – grec" lang="el" hreflang="el" data-title="Καταθέσεις" data-language-autonym="Ελληνικά" data-language-local-name="grec" class="interlanguage-link-target"><span>Ελληνικά</span></a></li><li class="interlanguage-link interwiki-en mw-list-item"><a href="https://en.wikipedia.org/wiki/Savings_account" title="Savings account – anglais" lang="en" hreflang="en" data-title="Savings account" data-language-autonym="English" data-language-local-name="anglais" class="interlanguage-link-target"><span>English</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Cuenta_de_ahorro" title="Cuenta de ahorro – espagnol" lang="es" hreflang="es" data-title="Cuenta de ahorro" data-language-autonym="Español" data-language-local-name="espagnol" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-eu mw-list-item"><a href="https://eu.wikipedia.org/wiki/Aurrezki-kontu" title="Aurrezki-kontu – basque" lang="eu" hreflang="eu" data-title="Aurrezki-kontu" data-language-autonym="Euskara" data-language-local-name="basque" class="interlanguage-link-target"><span>Euskara</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D8%AD%D8%B3%D8%A7%D8%A8_%D9%BE%D8%B3%E2%80%8C%D8%A7%D9%86%D8%AF%D8%A7%D8%B2" title="حساب پس‌انداز – persan" lang="fa" hreflang="fa" data-title="حساب پس‌انداز" data-language-autonym="فارسی" data-language-local-name="persan" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fi mw-list-item"><a href="https://fi.wikipedia.org/wiki/S%C3%A4%C3%A4st%C3%B6tili" title="Säästötili – finnois" lang="fi" hreflang="fi" data-title="Säästötili" data-language-autonym="Suomi" data-language-local-name="finnois" class="interlanguage-link-target"><span>Suomi</span></a></li><li class="interlanguage-link interwiki-hi mw-list-item"><a href="https://hi.wikipedia.org/wiki/%E0%A4%AC%E0%A4%9A%E0%A4%A4_%E0%A4%96%E0%A4%BE%E0%A4%A4%E0%A4%BE" title="बचत खाता – hindi" lang="hi" hreflang="hi" data-title="बचत खाता" data-language-autonym="हिन्दी" data-language-local-name="hindi" class="interlanguage-link-target"><span>हिन्दी</span></a></li><li class="interlanguage-link interwiki-it mw-list-item"><a href="https://it.wikipedia.org/wiki/Deposito_a_risparmio" title="Deposito a risparmio – italien" lang="it" hreflang="it" data-title="Deposito a risparmio" data-language-autonym="Italiano" data-language-local-name="italien" class="interlanguage-link-target"><span>Italiano</span></a></li><li class="interlanguage-link interwiki-kk mw-list-item"><a href="https://kk.wikipedia.org/wiki/%D0%96%D0%B8%D0%BD%D0%B0%D2%9B_%D1%81%D0%B0%D0%BB%D1%8B%D0%BC" title="Жинақ салым – kazakh" lang="kk" hreflang="kk" data-title="Жинақ салым" data-language-autonym="Қазақша" data-language-local-name="kazakh" class="interlanguage-link-target"><span>Қазақша</span></a></li><li class="interlanguage-link interwiki-kn mw-list-item"><a href="https://kn.wikipedia.org/wiki/%E0%B2%89%E0%B2%B3%E0%B2%BF%E0%B2%A4%E0%B2%BE%E0%B2%AF_%E0%B2%96%E0%B2%BE%E0%B2%A4%E0%B3%86" title="ಉಳಿತಾಯ ಖಾತೆ – kannada" lang="kn" hreflang="kn" data-title="ಉಳಿತಾಯ ಖಾತೆ" data-language-autonym="ಕನ್ನಡ" data-language-local-name="kannada" class="interlanguage-link-target"><span>ಕನ್ನಡ</span></a></li><li class="interlanguage-link interwiki-ky mw-list-item"><a href="https://ky.wikipedia.org/wiki/%D0%90%D0%BC%D0%B0%D0%BD%D0%B0%D1%82_%D1%81%D0%B0%D0%BB%D1%8B%D0%BC" title="Аманат салым – kirghize" lang="ky" hreflang="ky" data-title="Аманат салым" data-language-autonym="Кыргызча" data-language-local-name="kirghize" class="interlanguage-link-target"><span>Кыргызча</span></a></li><li class="interlanguage-link interwiki-lt mw-list-item"><a href="https://lt.wikipedia.org/wiki/Ind%C4%97lis" title="Indėlis – lituanien" lang="lt" hreflang="lt" data-title="Indėlis" data-language-autonym="Lietuvių" data-language-local-name="lituanien" class="interlanguage-link-target"><span>Lietuvių</span></a></li><li class="interlanguage-link interwiki-ml mw-list-item"><a href="https://ml.wikipedia.org/wiki/%E0%B4%B8%E0%B5%87%E0%B4%B5%E0%B4%BF%E0%B4%82%E0%B4%97%E0%B5%8D%E0%B4%B8%E0%B5%8D_%E0%B4%AC%E0%B4%BE%E0%B4%99%E0%B5%8D%E0%B4%95%E0%B5%8D_%E0%B4%85%E0%B4%95%E0%B5%8D%E0%B4%95%E0%B5%97%E0%B4%A3%E0%B5%8D%E0%B4%9F%E0%B5%8D" title="സേവിംഗ്സ് ബാങ്ക് അക്കൗണ്ട് – malayalam" lang="ml" hreflang="ml" data-title="സേവിംഗ്സ് ബാങ്ക് അക്കൗണ്ട്" data-language-autonym="മലയാളം" data-language-local-name="malayalam" class="interlanguage-link-target"><span>മലയാളം</span></a></li><li class="interlanguage-link interwiki-mr mw-list-item"><a href="https://mr.wikipedia.org/wiki/%E0%A4%AC%E0%A4%9A%E0%A4%A4_%E0%A4%96%E0%A4%BE%E0%A4%A4%E0%A5%87" title="बचत खाते – marathi" lang="mr" hreflang="mr" data-title="बचत खाते" data-language-autonym="मराठी" data-language-local-name="marathi" class="interlanguage-link-target"><span>मराठी</span></a></li><li class="interlanguage-link interwiki-ne mw-list-item"><a href="https://ne.wikipedia.org/wiki/%E0%A4%AC%E0%A4%9A%E0%A4%A4_%E0%A4%96%E0%A4%BE%E0%A4%A4%E0%A4%BE" title="बचत खाता – népalais" lang="ne" hreflang="ne" data-title="बचत खाता" data-language-autonym="नेपाली" data-language-local-name="népalais" class="interlanguage-link-target"><span>नेपाली</span></a></li><li class="interlanguage-link interwiki-nl mw-list-item"><a href="https://nl.wikipedia.org/wiki/Spaarrekening" title="Spaarrekening – néerlandais" lang="nl" hreflang="nl" data-title="Spaarrekening" data-language-autonym="Nederlands" data-language-local-name="néerlandais" class="interlanguage-link-target"><span>Nederlands</span></a></li><li class="interlanguage-link interwiki-no mw-list-item"><a href="https://no.wikipedia.org/wiki/H%C3%B8yrentekonto" title="Høyrentekonto – norvégien bokmål" lang="nb" hreflang="nb" data-title="Høyrentekonto" data-language-autonym="Norsk bokmål" data-language-local-name="norvégien bokmål" class="interlanguage-link-target"><span>Norsk bokmål</span></a></li><li class="interlanguage-link interwiki-or mw-list-item"><a href="https://or.wikipedia.org/wiki/%E0%AC%B8%E0%AC%9E%E0%AD%8D%E0%AC%9A%E0%AD%9F_%E0%AC%96%E0%AC%BE%E0%AC%A4%E0%AC%BE" title="ସଞ୍ଚୟ ଖାତା – odia" lang="or" hreflang="or" data-title="ସଞ୍ଚୟ ଖାତା" data-language-autonym="ଓଡ଼ିଆ" data-language-local-name="odia" class="interlanguage-link-target"><span>ଓଡ଼ିଆ</span></a></li><li class="interlanguage-link interwiki-pl mw-list-item"><a href="https://pl.wikipedia.org/wiki/Rachunek_oszcz%C4%99dno%C5%9Bciowy" title="Rachunek oszczędnościowy – polonais" lang="pl" hreflang="pl" data-title="Rachunek oszczędnościowy" data-language-autonym="Polski" data-language-local-name="polonais" class="interlanguage-link-target"><span>Polski</span></a></li><li class="interlanguage-link interwiki-ps mw-list-item"><a href="https://ps.wikipedia.org/wiki/%D8%B3%D9%BE%D9%85%D8%A7_%DA%AF%DA%BC%D9%88%D9%86" title="سپما گڼون – pachto" lang="ps" hreflang="ps" data-title="سپما گڼون" data-language-autonym="پښتو" data-language-local-name="pachto" class="interlanguage-link-target"><span>پښتو</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Conta_poupan%C3%A7a" title="Conta poupança – portugais" lang="pt" hreflang="pt" data-title="Conta poupança" data-language-autonym="Português" data-language-local-name="portugais" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%A1%D0%B1%D0%B5%D1%80%D0%B5%D0%B3%D0%B0%D1%82%D0%B5%D0%BB%D1%8C%D0%BD%D1%8B%D0%B9_%D0%B2%D0%BA%D0%BB%D0%B0%D0%B4" title="Сберегательный вклад – russe" lang="ru" hreflang="ru" data-title="Сберегательный вклад" data-language-autonym="Русский" data-language-local-name="russe" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-simple mw-list-item"><a href="https://simple.wikipedia.org/wiki/Savings_account" title="Savings account – Simple English" lang="en-simple" hreflang="en-simple" data-title="Savings account" data-language-autonym="Simple English" data-language-local-name="Simple English" class="interlanguage-link-target"><span>Simple English</span></a></li><li class="interlanguage-link interwiki-sv mw-list-item"><a href="https://sv.wikipedia.org/wiki/Sparkonto" title="Sparkonto – suédois" lang="sv" hreflang="sv" data-title="Sparkonto" data-language-autonym="Svenska" data-language-local-name="suédois" class="interlanguage-link-target"><span>Svenska</span></a></li><li class="interlanguage-link interwiki-ta mw-list-item"><a href="https://ta.wikipedia.org/wiki/%E0%AE%9A%E0%AF%87%E0%AE%AE%E0%AE%BF%E0%AE%AA%E0%AF%8D%E0%AE%AA%E0%AF%81%E0%AE%95%E0%AF%8D_%E0%AE%95%E0%AE%A3%E0%AE%95%E0%AF%8D%E0%AE%95%E0%AF%81" title="சேமிப்புக் கணக்கு – tamoul" lang="ta" hreflang="ta" data-title="சேமிப்புக் கணக்கு" data-language-autonym="தமிழ்" data-language-local-name="tamoul" class="interlanguage-link-target"><span>தமிழ்</span></a></li><li class="interlanguage-link interwiki-tr mw-list-item"><a href="https://tr.wikipedia.org/wiki/Mevduat" title="Mevduat – turc" lang="tr" hreflang="tr" data-title="Mevduat" data-language-autonym="Türkçe" data-language-local-name="turc" class="interlanguage-link-target"><span>Türkçe</span></a></li><li class="interlanguage-link interwiki-tt mw-list-item"><a href="https://tt.wikipedia.org/wiki/%D0%A1%D0%B0%D0%BA%D0%BB%D1%8B%D0%BA_%D0%B0%D0%BA%D1%87%D0%B0%D0%BB%D0%B0%D1%80" title="Саклык акчалар – tatar" lang="tt" hreflang="tt" data-title="Саклык акчалар" data-language-autonym="Татарча / tatarça" data-language-local-name="tatar" class="interlanguage-link-target"><span>Татарча / tatarça</span></a></li><li class="interlanguage-link interwiki-uz mw-list-item"><a href="https://uz.wikipedia.org/wiki/Jamg%E2%80%98arma_depoziti" title="Jamg‘arma depoziti – ouzbek" lang="uz" hreflang="uz" data-title="Jamg‘arma depoziti" data-language-autonym="Oʻzbekcha / ўзбекча" data-language-local-name="ouzbek" class="interlanguage-link-target"><span>Oʻzbekcha / ўзбекча</span></a></li><li class="interlanguage-link interwiki-vi mw-list-item"><a href="https://vi.wikipedia.org/wiki/T%C3%A0i_kho%E1%BA%A3n_ti%E1%BA%BFt_ki%E1%BB%87m" title="Tài khoản tiết kiệm – vietnamien" lang="vi" hreflang="vi" data-title="Tài khoản tiết kiệm" data-language-autonym="Tiếng Việt" data-language-local-name="vietnamien" class="interlanguage-link-target"><span>Tiếng Việt</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E5%84%B2%E8%93%84%E5%AD%98%E6%AC%BE" title="儲蓄存款 – chinois" lang="zh" hreflang="zh" data-title="儲蓄存款" data-language-autonym="中文" data-language-local-name="chinois" class="interlanguage-link-target"><span>中文</span></a></li><li class="interlanguage-link interwiki-zh-min-nan mw-list-item"><a href="https://zh-min-nan.wikipedia.org/wiki/Ki%C3%A0-kim" title="Kià-kim – minnan" lang="nan" hreflang="nan" data-title="Kià-kim" data-language-autonym="閩南語 / Bân-lâm-gú" data-language-local-name="minnan" class="interlanguage-link-target"><span>閩南語 / Bân-lâm-gú</span></a></li><li class="interlanguage-link interwiki-zh-yue mw-list-item"><a href="https://zh-yue.wikipedia.org/wiki/%E5%84%B2%E8%93%84%E6%88%B6%E5%8F%A3" title="儲蓄戶口 – cantonais" lang="yue" hreflang="yue" data-title="儲蓄戶口" data-language-autonym="粵語" data-language-local-name="cantonais" class="interlanguage-link-target"><span>粵語</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a 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Vous pouvez préciser les sections à internationaliser en utilisant <a href="/wiki/Mod%C3%A8le:Section_%C3%A0_internationaliser" title="Modèle:Section à internationaliser">{{section à internationaliser}}</a>. </p> </div></div> <figure class="mw-default-size" typeof="mw:File/Thumb"><a href="/wiki/Fichier:B%26O_RR_common_stock.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b5/B%26O_RR_common_stock.jpg/220px-B%26O_RR_common_stock.jpg" decoding="async" width="220" height="144" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b5/B%26O_RR_common_stock.jpg/330px-B%26O_RR_common_stock.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/b5/B%26O_RR_common_stock.jpg/440px-B%26O_RR_common_stock.jpg 2x" data-file-width="1315" data-file-height="861" /></a><figcaption>Common Stock / Mouad harrouch</figcaption></figure> <p>Un <b>compte d'épargne</b> (parfois appelé compte sur livret, vu qu'il était, et est encore dans certains établissements ou pays, matérialisé par un livret détenu par l'épargnant où sont notés les dépôts, retraits et soldes) est un dépôt d'argent <a href="/wiki/Compte_%C3%A0_vue" class="mw-redirect" title="Compte à vue">à vue</a> dans une banque ou un organisme assimilé (caisse d'épargne), rapportant un intérêt (généralement annuel) et ne permettant généralement pas d'être utilisé pour effectuer directement des paiements. </p><p>Il peut être défini par ses différences : </p> <ul><li>par rapport à un <a href="/wiki/Compte_courant" title="Compte courant">compte courant</a>, support de moyens de paiement (chèques, cartes, virements) et ne rapportant généralement pas d'intérêt ;</li> <li>par rapport à deux autres types d'<a href="/wiki/%C3%89pargne" title="Épargne">épargne</a>, le <a href="/wiki/Compte_%C3%A0_terme" title="Compte à terme">compte à terme</a> et le <a href="/wiki/Plan_d%27%C3%A9pargne" class="mw-redirect" title="Plan d'épargne">plan d'épargne</a>, mais qui comportent une échéance, avec une pénalité en cas de retrait anticipé ;</li></ul> <ul><li>défiscalisé mais obéissant à certaines exigences, notamment le lieu de <a href="/wiki/R%C3%A9sident" title="Résident">résidence</a> ou un certain plafond de versements : <a href="/wiki/Compte_%C3%A9pargne_logement" title="Compte épargne logement">compte épargne logement</a> (CEL, exonéré uniquement d'impôt sur le revenu), <a href="/wiki/Livret_de_d%C3%A9veloppement_durable_et_solidaire" title="Livret de développement durable et solidaire">LDDS</a>, <a href="/wiki/Livret_A" title="Livret A">livret A</a>, <a href="/wiki/Livret_d%27%C3%A9pargne_populaire" title="Livret d'épargne populaire">livret d'épargne populaire</a>, <a href="/wiki/Livret_jeune" title="Livret jeune">livret jeune</a> ;</li> <li>ordinaire (fiscalisé) : compte d'épargne bancaire ;</li> <li>En <a href="/wiki/Belgique" title="Belgique">Belgique</a>, il existe le <a href="/wiki/Compte_d%27%C3%A9pargne_d%C3%A9fiscalis%C3%A9" title="Compte d'épargne défiscalisé">compte d'épargne défiscalisé</a>.</li></ul> <p>Voir à ce sujet les différents <a href="/wiki/Types_de_d%C3%A9p%C3%B4ts_bancaires" title="Types de dépôts bancaires">types de dépôts bancaires</a>. </p> <div class="mw-heading mw-heading2"><h2 id="Périodes_de_calcul_des_intérêts_(en_France)"><span id="P.C3.A9riodes_de_calcul_des_int.C3.A9r.C3.AAts_.28en_France.29"></span>Périodes de calcul des intérêts (en France)</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Compte_d%27%C3%A9pargne&veaction=edit&section=1" title="Modifier la section : Périodes de calcul des intérêts (en France)" class="mw-editsection-visualeditor"><span>modifier</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Compte_d%27%C3%A9pargne&action=edit&section=1" title="Modifier le code source de la section : Périodes de calcul des intérêts (en France)"><span>modifier le code</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Les intérêts d'un livret ou compte d'épargne sont calculés par quinzaine de jours. Il existe dans une année civile 24 quinzaines et non 26 (une quinzaine n'est donc pas égale à deux semaines). La règle étant que chaque mois comporte deux quinzaines. </p><p>Les intérêts ne sont donc calculés que deux fois par mois : le 16 du mois, et le <abbr class="abbr" title="Premier">1<sup>er</sup></abbr> du mois suivant. </p><p>Le calcul est très simple, puisqu'il suffit de multiplier le taux du livret par le solde du livret. Comme le taux est annuel, il convient de diviser ce taux par 24 pour calculer les intérêts générés pendant une quinzaine. </p><p>Ainsi la formule est : </p><p><span class="mwe-math-element"><span class="mwe-math-mathml-inline mwe-math-mathml-a11y" style="display: none;"><math xmlns="http://www.w3.org/1998/Math/MathML" alttext="{\displaystyle {\text{Intérêts d'une quinzaine}}={\text{solde du livret}}\times {\frac {{\text{Taux annuel du livret}}/100}{24}}}"> <semantics> <mrow class="MJX-TeXAtom-ORD"> <mstyle displaystyle="true" scriptlevel="0"> <mrow class="MJX-TeXAtom-ORD"> <mtext>Intérêts d'une quinzaine</mtext> </mrow> <mo>=</mo> <mrow class="MJX-TeXAtom-ORD"> <mtext>solde du livret</mtext> </mrow> <mo>×</mo> <mrow class="MJX-TeXAtom-ORD"> <mfrac> <mrow> <mrow class="MJX-TeXAtom-ORD"> <mtext>Taux annuel du livret</mtext> </mrow> <mrow class="MJX-TeXAtom-ORD"> <mo>/</mo> </mrow> <mn>100</mn> </mrow> <mn>24</mn> </mfrac> </mrow> </mstyle> </mrow> <annotation encoding="application/x-tex">{\displaystyle {\text{Intérêts d'une quinzaine}}={\text{solde du livret}}\times {\frac {{\text{Taux annuel du livret}}/100}{24}}}</annotation> </semantics> </math></span><img src="https://wikimedia.org/api/rest_v1/media/math/render/svg/b3c1883269780c26c163c10db0e25934925719f2" class="mwe-math-fallback-image-inline mw-invert skin-invert" aria-hidden="true" style="vertical-align: -1.838ex; width:72.315ex; height:5.676ex;" alt="{\displaystyle {\text{Intérêts d'une quinzaine}}={\text{solde du livret}}\times {\frac {{\text{Taux annuel du livret}}/100}{24}}}"></span> </p><p>Le solde considéré pour le calcul est le plus bas solde du livret de la période. Ainsi si l'épargnant effectue un retrait deux jours seulement avant la fin de la quinzaine, le calcul ne portera, pour l'ensemble de la quinzaine que sur le solde calculé après le retrait. </p><p>Les comptes d'épargne permettent la capitalisation des intérêts : les intérêts d'une année civile s'ajoutent en effet au solde du compte, au début de l'année suivante. </p><p>Les intérêts produits dans une année civile sont imposables. Actuellement, en France, il faut considérer les taux suivants : </p> <ul><li>Au titre d'impôt sur le revenu (pour l'État)<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite_crochet">[</span>1<span class="cite_crochet">]</span></a></sup> : <ul><li>24 % : <a href="/wiki/Pr%C3%A9l%C3%A8vement_lib%C3%A9ratoire_forfaitaire" class="mw-redirect" title="Prélèvement libératoire forfaitaire">prélèvement libératoire forfaitaire</a> (PLF), sauf si l'épargnant choisit de l'intégrer à son <a href="/wiki/IRPP" class="mw-redirect" title="IRPP">Impôt sur le revenu</a>, où il est alors soumis au barème progressif (de 0 à 41 % selon le contribuable). Dans ce cas, contrairement aux dividendes d'actions, aucun abattement n'est applicable sur le montant net des intérêts. À noter que le taux du prélèvement forfaitaire libératoire était de 19 % jusqu'au 31 décembre 2011.</li></ul></li> <li>Au titre des prélèvements sociaux (pour la Sécurité sociale)<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite_crochet">[</span>2<span class="cite_crochet">]</span></a></sup> : <ul><li>5,4 % : prélèvement social</li> <li>8,2 % : <a href="/wiki/Contribution_sociale_g%C3%A9n%C3%A9ralis%C3%A9e" title="Contribution sociale généralisée">contribution sociale généralisée</a> (CSG)</li> <li>0,5 % : <a href="/wiki/Contribution_pour_le_remboursement_de_la_dette_sociale" title="Contribution pour le remboursement de la dette sociale">contribution pour le remboursement de la dette sociale</a> (CRDS)</li> <li>0,3 % : contribution additionnelle de solidarité (mise en place en après l'épisode <a href="/wiki/Canicule_europ%C3%A9enne_de_2003" class="mw-redirect" title="Canicule européenne de 2003">caniculaire de 2003</a>),</li> <li>1,1 % : contribution additionnelle au <a href="/wiki/Revenu_de_Solidarit%C3%A9_Active" class="mw-redirect" title="Revenu de Solidarité Active">Revenu de Solidarité Active</a>,</li></ul></li></ul> <p>Pour un taux global de 15,5 %. (depuis le <abbr class="abbr" title="Premier">1<sup>er</sup></abbr> juillet 2012) </p> <div class="mw-heading mw-heading2"><h2 id="Notes_et_références"><span id="Notes_et_r.C3.A9f.C3.A9rences"></span>Notes et références</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Compte_d%27%C3%A9pargne&veaction=edit&section=2" title="Modifier la section : Notes et références" class="mw-editsection-visualeditor"><span>modifier</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Compte_d%27%C3%A9pargne&action=edit&section=2" title="Modifier le code source de la section : Notes et références"><span>modifier le code</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="references-small decimal" style=""><div class="mw-references-wrap"><ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink noprint"><a href="#cite_ref-1">↑</a> </span><span class="reference-text"><span class="ouvrage">« <a rel="nofollow" class="external text" href="http://www.cbanque.com/livret/fiscalite.php"><cite style="font-style:normal;">Fiscalité des livrets bancaires</cite></a> », sur <span class="italique">cbanque.com</span> <small style="line-height:1em;">(consulté le <time class="nowrap" datetime="2020-08-16" data-sort-value="2020-08-16">16 août 2020</time>)</small></span>.</span> </li> <li id="cite_note-2"><span class="mw-cite-backlink noprint"><a href="#cite_ref-2">↑</a> </span><span class="reference-text"><span class="ouvrage">« <a rel="nofollow" class="external text" href="http://www.cbanque.com/placement/cotisations-sociales.php#PS"><cite style="font-style:normal;">Cotisations sociales sur les placements et le patrimoine</cite></a> », sur <span class="italique">cbanque.com</span> <small style="line-height:1em;">(consulté le <time class="nowrap" datetime="2020-08-16" data-sort-value="2020-08-16">16 août 2020</time>)</small></span>.</span> </li> </ol></div> </div> <ul id="bandeau-portail" class="bandeau-portail"><li><span class="bandeau-portail-element"><span class="bandeau-portail-icone"><span class="noviewer" typeof="mw:File"><a href="/wiki/Portail:%C3%89conomie" title="Portail de l’économie"><img alt="icône décorative" src="//upload.wikimedia.org/wikipedia/commons/thumb/f/f3/Emblem-money.svg/24px-Emblem-money.svg.png" decoding="async" width="24" height="24" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/f/f3/Emblem-money.svg/36px-Emblem-money.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/f/f3/Emblem-money.svg/48px-Emblem-money.svg.png 2x" data-file-width="48" data-file-height="48" /></a></span></span> <span class="bandeau-portail-texte"><a href="/wiki/Portail:%C3%89conomie" title="Portail:Économie">Portail de l’économie</a></span> </span></li> <li><span class="bandeau-portail-element"><span class="bandeau-portail-icone"><span class="noviewer" typeof="mw:File"><a href="/wiki/Portail:Finance" title="Portail de la finance"><img alt="icône décorative" src="//upload.wikimedia.org/wikipedia/commons/thumb/6/60/Circle-icons-money.svg/24px-Circle-icons-money.svg.png" decoding="async" width="24" height="24" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/6/60/Circle-icons-money.svg/36px-Circle-icons-money.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/6/60/Circle-icons-money.svg/48px-Circle-icons-money.svg.png 2x" data-file-width="512" data-file-height="512" /></a></span></span> <span class="bandeau-portail-texte"><a href="/wiki/Portail:Finance" title="Portail:Finance">Portail de la finance</a></span> </span></li> </ul>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" width="1" height="1" style="border: none; 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