{"id":6743,"date":"2025-07-15T13:34:48","date_gmt":"2025-07-15T13:34:48","guid":{"rendered":"https:\/\/functiontranslator.com\/taux\/"},"modified":"2021-02-26T08:12:50","modified_gmt":"2021-02-26T08:12:50","slug":"rate","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/fr\/rate\/","title":{"rendered":"TAUX"},"content":{"rendered":"

La fonction TAUX d’Excel et RATE dans Google Sheets permet de d\u00e9terminer le taux d’int\u00e9r\u00eat par p\u00e9riode pour un investissement ou un pr\u00eat. Cette fonction est essentielle dans le domaine de la finance pour \u00e9valuer la viabilit\u00e9 financi\u00e8re d’un projet gr\u00e2ce \u00e0 des flux de tr\u00e9sorerie r\u00e9guliers.<\/p>\n

Syntaxe et exemples<\/h2>\n

Voici la syntaxe de la fonction TAUX :<\/p>\n

TAUX(nper, pmt, pv, [fv], [type], [guess])<\/code><\/pre>\n
    \n
  • nper<\/strong> : le nombre total de p\u00e9riodes de paiement dans l’emprunt.<\/li>\n
  • pmt<\/strong> : le montant de chaque paiement p\u00e9riodique, qui doit rester fixe durant toute la p\u00e9riode de l’annuit\u00e9.<\/li>\n
  • pv<\/strong> : la valeur actuelle, soit la valeur totale actuelle d’une s\u00e9rie de paiements futurs.<\/li>\n
  • fv<\/strong> (optionnel) : la valeur future vis\u00e9e apr\u00e8s le dernier paiement. Si non sp\u00e9cifi\u00e9e, elle est suppos\u00e9e \u00eatre z\u00e9ro.<\/li>\n
  • type<\/strong> (optionnel) : indique le timing des paiements : 0 pour la fin de la p\u00e9riode et 1 pour le d\u00e9but.<\/li>\n
  • guess<\/strong> (optionnel) : une estimation initiale du taux ; la valeur par d\u00e9faut est de 10%.<\/li>\n<\/ul>\n
    Exemple : Pour calculer le taux d’int\u00e9r\u00eat sur un pr\u00eat de 10 000 \u20ac rembours\u00e9 par des versements annuels de 2 000 \u20ac pendant 6 ans :<\/p>\n
    =TAUX(6, -2000, 10000)<\/code><\/pre>\n
    Applications pratiques<\/h2>\n
    Estimation du co\u00fbt d’un pr\u00eat<\/h2>\n
    Consid\u00e9rez l’exemple d’un pr\u00eat automobile de 20 000 \u20ac que vous pr\u00e9voyez rembourser sur 5 ans avec des paiements mensuels de 350 \u20ac. Pour d\u00e9couvrir le taux d’int\u00e9r\u00eat applicable \u00e0 ce pr\u00eat :<\/p>\n
    =TAUX(5*12, -350, 20000)<\/code><\/pre>\n
    Ce calcul vous donnera le taux d’int\u00e9r\u00eat mensuel. Pour le taux annuel, multipliez simplement ce r\u00e9sultat par 12.<\/p>\n
    \u00c9valuation de la rentabilit\u00e9 d’un investissement<\/h2>\n
    Si une entreprise pr\u00e9voit d’acheter un \u00e9quipement pour 50 000 \u20ac et s’attend \u00e0 des retours annuels de 10 000 \u20ac durant 7 ans, elle peut utiliser la fonction TAUX pour d\u00e9terminer la rentabilit\u00e9 de cet investissement :<\/p>\n
    =TAUX(7, -10000, 50000)<\/code><\/pre>\n
    Cet usage permet de juger si l’investissement est raisonnable au regard des co\u00fbts d’emprunt ou d’autres opportunit\u00e9s d’investissement.<\/p>\n
    Ma\u00eetriser la fonction TAUX est crucial pour optimiser les d\u00e9cisions financi\u00e8res, que ce soit pour des pr\u00eats personnels ou des projets d’investissement professionnel.<\/p>\n","protected":false},"excerpt":{"rendered":"
    CalCule le taux d\u2019int\u00e9r\u00eat par p\u00e9riode pour une annuit\u00e9<\/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-6743","post","type-post","status-publish","format-standard","hentry","category-finances"],"acf":[],"yoast_head":"\nFonction RATE (TAUX) dans Excel : comment \u00e7a marche, exemples et syntaxe<\/title>\n<meta name=\"description\" content=\"Pr\u00e9sentation de la fonction RATE (TAUX) d\u2019Excel et Google Sheets. 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