{"id":6482,"date":"2025-07-15T13:34:48","date_gmt":"2025-07-15T13:34:48","guid":{"rendered":"https:\/\/functiontranslator.com\/cumul-inter\/"},"modified":"2021-02-26T08:04:14","modified_gmt":"2021-02-26T08:04:14","slug":"cumipmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/fr\/cumipmt\/","title":{"rendered":"CUMUL.INTER"},"content":{"rendered":"<h2>Description g\u00e9n\u00e9rale<\/h2>\n<p>La fonction <strong>CUMIPMT<\/strong> dans Microsoft Excel et <strong>CUMUL.INTER<\/strong> dans Google Sheets permet de calculer le total des int\u00e9r\u00eats pay\u00e9s sur un pr\u00eat ou un investissement pour une s\u00e9rie de p\u00e9riodes. Elle est essentielle pour la planification financi\u00e8re et l&rsquo;analyse des pr\u00eats.<\/p>\n<h2>Syntaxe<\/h2>\n<p>La syntaxe de cette fonction diff\u00e8re l\u00e9g\u00e8rement entre Microsoft Excel et Google Sheets :<\/p>\n<ul>\n<li><strong>Excel<\/strong>: <code>CUMIPMT(taux, nper, va, debut_per, fin_per, type)<\/code><\/li>\n<li><strong>Google Sheets<\/strong>: <code>CUMUL.INTER(taux, nper, va, debut_per, fin_per, type)<\/code><\/li>\n<\/ul>\n<p>O\u00f9 :<\/p>\n<ul>\n<li><code>taux<\/code> : Le taux d&rsquo;int\u00e9r\u00eat par p\u00e9riode.<\/li>\n<li><code>nper<\/code> : Le nombre total de p\u00e9riodes dans l&rsquo;annuit\u00e9.<\/li>\n<li><code>va<\/code> : La valeur actuelle ou le montant principal du pr\u00eat.<\/li>\n<li><code>debut_per<\/code> : La premi\u00e8re p\u00e9riode pour laquelle on souhaite calculer l&rsquo;int\u00e9r\u00eat cumul\u00e9.<\/li>\n<li><code>fin_per<\/code> : La derni\u00e8re p\u00e9riode pour laquelle on souhaite calculer l&rsquo;int\u00e9r\u00eat cumul\u00e9.<\/li>\n<li><code>type<\/code> : Moment des paiements; 0 pour la fin de la p\u00e9riode, et 1 pour le d\u00e9but.<\/li>\n<\/ul>\n<h2>Exemples d&rsquo;utilisation<\/h2>\n<pre> <code>Exemple en Excel: =CUMIPMT(4%\/12, 24, 12000, 1, 24, 0) Exemple en Google Sheets: =CUMUL.INTER(4%\/12, 24, 12000, 1, 24, 0)<\/code> <\/pre>\n<h2>Sc\u00e9narios pratiques<\/h2>\n<h2>Calcul des int\u00e9r\u00eats sur un pr\u00eat automobile<\/h2>\n<p>Imaginons que vous pr\u00e9voyez d&rsquo;acqu\u00e9rir une voiture \u00e0 cr\u00e9dit de 20,000 \u20ac sur 5 ans \u00e0 un taux d&rsquo;int\u00e9r\u00eat annuel de 5%. Vous souhaitez conna\u00eetre le total des int\u00e9r\u00eats que vous aurez \u00e0 payer du d\u00e9but \u00e0 la fin du pr\u00eat.<\/p>\n<p>Solution:<\/p>\n<pre> <code>En Excel: =CUMIPMT(5%\/12, 5*12, 20000, 1, 5*12, 0) En Google Sheets: =CUMUL.INTER(5%\/12, 5*12, 20000, 1, 5*12, 0)<\/code> <\/pre>\n<p>Cette formule vous indique le montant total des int\u00e9r\u00eats pay\u00e9s sur la dur\u00e9e du pr\u00eat.<\/p>\n<h2>Planification des d\u00e9penses d&rsquo;\u00e9ducation<\/h2>\n<p>Supposez que vous prenez un pr\u00eat de 15,000 \u20ac pour financer des \u00e9tudes universitaires avec un taux annuel de 6% sur 10 ans. Vous souhaitez calculer le total des int\u00e9r\u00eats pay\u00e9s entre la 4\u00e8me et la 10\u00e8me ann\u00e9e.<\/p>\n<p>Solution:<\/p>\n<pre> <code>En Excel: =CUMIPMT(6%\/12, 10*12, 15000, 4*12, 10*12, 0) En Google Sheets: =CUMUL.INTER(6%\/12, 10*12, 15000, 4*12, 10*12, 0)<\/code> <\/pre>\n<p>Cette formule vous permet de voir les int\u00e9r\u00eats cumul\u00e9s sur les p\u00e9riodes sp\u00e9cifi\u00e9es, aidant ainsi \u00e0 une meilleure gestion financi\u00e8re.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Renvoie l\u2019int\u00e9R\u00eat cumul\u00e9 pay\u00e9 suR un empRunt entRe deux p\u00e9Riodes<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[311],"tags":[],"class_list":["post-6482","post","type-post","status-publish","format-standard","hentry","category-finances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fonction CUMIPMT (CUMUL.INTER) dans Excel : comment \u00e7a marche, exemples et syntaxe<\/title>\n<meta name=\"description\" content=\"Pr\u00e9sentation de la fonction CUMIPMT (CUMUL.INTER) d\u2019Excel et Google Sheets. 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