{"id":457,"date":"2026-08-06T13:47:55","date_gmt":"2026-08-06T13:47:55","guid":{"rendered":"https:\/\/mycoinpartner.com\/tools\/dca-calculator\/"},"modified":"2026-08-06T13:47:55","modified_gmt":"2026-08-06T13:47:55","slug":"dca-calculator","status":"publish","type":"page","link":"https:\/\/mycoinpartner.com\/fr\/tools\/dca-calculator\/","title":{"rendered":"Calculateur DCA"},"content":{"rendered":"<p>Comparez des achats \u00e0 intervalles r\u00e9guliers avec l\u2019engagement du m\u00eame total d\u00e8s le premier jour, \u00e0 partir de v\u00e9ritables cl\u00f4tures journali\u00e8res historiques.<\/p>\n<div class=\"mcp-tool\" data-mcp-tool=\"dca-calculator\"><div class=\"mcp-tool__in\"><label class=\"mcp-f\"><span class=\"mcp-f__l\">Montant par achat ($)<\/span><input class=\"mcp-f__i\" type=\"number\" step=\"any\" name=\"amount\" data-f=\"amount\" value=\"100\" inputmode=\"decimal\"><\/label><label class=\"mcp-f\"><span class=\"mcp-f__l\">Fr\u00e9quence<\/span><select class=\"mcp-f__i\" name=\"freq\" data-f=\"freq\"><option value=\"7\">Hebdomadaire<\/option><option value=\"14\">Bimensuelle<\/option><option value=\"30\" selected>Mensuelle<\/option><\/select><\/label><label class=\"mcp-f\"><span class=\"mcp-f__l\">Fen\u00eatre<\/span><select class=\"mcp-f__i\" name=\"days\" data-f=\"days\"><option value=\"90\">90 derniers jours<\/option><option value=\"180\">180 derniers jours<\/option><option value=\"365\" selected>365 derniers jours<\/option><\/select><\/label><\/div><div class=\"mcp-tool__out\"><div class=\"mcp-o\"><span class=\"mcp-o__l\">Total investi<\/span><span class=\"mcp-o__v\" data-o=\"invested\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Valeur DCA actuelle<\/span><span class=\"mcp-o__v\" data-o=\"dcaval\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Rendement DCA<\/span><span class=\"mcp-o__v\" data-o=\"dcaret\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Co\u00fbt moyen<\/span><span class=\"mcp-o__v\" data-o=\"avgcost\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Valeur du placement unique<\/span><span class=\"mcp-o__v\" data-o=\"lump\"><\/span><span class=\"mcp-o__n\">Le m\u00eame total, engag\u00e9 d\u00e8s le premier jour<\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Rendement du placement unique<\/span><span class=\"mcp-o__v\" data-o=\"lumpret\"><\/span><\/div><\/div><script type=\"application\/json\" data-mcp-dca>{\"c\":[117472.01,116674.74,116462.25,119294.01,118686,120134.08,123306.43,118295.09,117342.05,117380.66,117405.01,116227.05,112872.94,114271.24,112500,116935.99,115438.05,113493.59,110111.98,111763.22,111262.01,112566.9,108377.4,108816.33,108246.35,109237.42,111240.01,111705.71,110730.87,110659.99,110187.97,111137.34,112065.23,111546.39,113960,115482.69,116029.42,115918.29,115268.01,115349.71,116788.96,116447.59,117073.53,115632.38,115685.63,115232.29,112650.99,111998.8,113307,108994.49,109643.46,109635.85,112163.95,114311.96,114048.93,118594.99,120529.35,122232,122391,123482.31,124658.54,121332.95,123306,121662.4,112774.5,110644.4,114958.8,115166,113028.14,110763.28,108194.28,106431.68,107185.01,108642.78,110532.09,108297.67,107567.44,110078.18,111004.89,111646.27,114559.4,114107.65,112898.45,110021.29,108322.88,109608.01,110098.1,110540.68,106583.04,101497.22,103885.16,101346.04,103339.08,102312.94,104722.96,106011.13,103058.99,101654.37,99692.02,94594,95596.24,94261.44,92215.14,92960.83,91554.96,86637.23,85129.43,84739.74,86830,88300.01,87369.96,90484.02,91333.95,90890.7,90802.44,90360,86286.01,91277.88,93429.95,92078.06,89330.04,89236.79,90395.31,90634.34,92678.8,92015.37,92513.38,90268.42,90240.01,88172.17,86432.08,87863.42,86243.22,85516.41,88136.94,88360.9,88658.86,88620.79,87486,87669.45,87225.27,87369.56,87877.01,87952.71,87237.13,88485.49,87648.22,88839.04,89995.13,90628.01,91529.73,93859.71,93747.97,91364.16,91099.99,90641.28,90504.7,91013.65,91296.2,95414,96951.78,95604.8,95550.94,95147.77,93673.14,92631,88427.66,89454.73,89559.67,89600.26,89225.34,86670.36,88347.08,89250,89299.99,84650.16,84260.49,78741.09,76968.21,78738.61,75770.21,73165.83,62909.86,70580.26,69289.38,70330.38,70138,68841.29,67082.52,66272.17,68853.96,69822.95,68832.58,68892.43,67503.52,66461,67003.73,68020.01,67975.93,67643.4,64656.02,64058.15,67988.04,67485.18,65872.1,66973.26,65776.47,68830.06,68338,72666.77,70890.72,68114.02,67262.91,65971.2,68432.16,69948.63,70191.86,70541.34,70930,71211.95,72815.24,74884.67,73909.36,71246.54,69930,70510.73,68918.12,67859,70906.45,70556.74,71336.53,68820.31,66407.28,66377.03,66010.93,66797.37,68284.48,68113.92,66901.99,66964.3,67300.42,69034.18,68853.66,71924.22,71069.93,71787.97,72962.7,73043.16,70740.98,74417.99,74131.55,74809.99,75154.29,77072,75691.76,73801.79,75840.97,76336.15,78178.23,78257.48,77437.13,77625,78657.55,77371.32,76342.77,75780,76346.57,78231.13,78686.85,78568.57,79861.01,80905.52,81447.01,80006,80193.17,80678.4,82210.07,81745.65,80504.47,79313.61,81089.99,79113.21,78148.05,77457.67,77001.87,76834.36,77552.23,77615.52,75539.5,76752.01,77064.96,77322.01,75930.01,74449.3,73617.51,73460.78,73884.38,73674.39,71408.9,66760.83,64142.75,63885.99,61056.47,60884.62,63332.01,63085.99,61730,61510.99,63625.99,63580.01,64458.01,65746.45,66328.74,65675.01,64509.4,62958.01,63543.91,64298.01,63311.99,64020.01,62734.57,61077.99,59794,60097.27,60029,59577.01,60260.21,58624.71,60024,61560,62583.26,63144.01,63650,64042.02,63363.99,62290,63230,64161.72,63819,63780,62334.52,65043.98,64756.28,63830.2,63931.67,64834.22,64722.54,65255.51,66556.16,66114.49,65098.97,64139.99,64375,65399.99,63755.86,63915,63984.28,64780.02,62887.88,62823.64,63570,63520,64106.56,64665.23,64462.55],\"t\":[1754524800,1754611200,1754697600,1754784000,1754870400,1754956800,1755043200,1755129600,1755216000,1755302400,1755388800,1755475200,1755561600,1755648000,1755734400,1755820800,1755907200,1755993600,1756080000,1756166400,1756252800,1756339200,1756425600,1756512000,1756598400,1756684800,1756771200,1756857600,1756944000,1757030400,1757116800,1757203200,1757289600,1757376000,1757462400,1757548800,1757635200,1757721600,1757808000,1757894400,1757980800,1758067200,1758153600,1758240000,1758326400,1758412800,1758499200,1758585600,1758672000,1758758400,1758844800,1758931200,1759017600,1759104000,1759190400,1759276800,1759363200,1759449600,1759536000,1759622400,1759708800,1759795200,1759881600,1759968000,1760054400,1760140800,1760227200,1760313600,1760400000,1760486400,1760572800,1760659200,1760745600,1760832000,1760918400,1761004800,1761091200,1761177600,1761264000,1761350400,1761436800,1761523200,1761609600,1761696000,1761782400,1761868800,1761955200,1762041600,1762128000,1762214400,1762300800,1762387200,1762473600,1762560000,1762646400,1762732800,1762819200,1762905600,1762992000,1763078400,1763164800,1763251200,1763337600,1763424000,1763510400,1763596800,1763683200,1763769600,1763856000,1763942400,1764028800,1764115200,1764201600,1764288000,1764374400,1764460800,1764547200,1764633600,1764720000,1764806400,1764892800,1764979200,1765065600,1765152000,1765238400,1765324800,1765411200,1765497600,1765584000,1765670400,1765756800,1765843200,1765929600,1766016000,1766102400,1766188800,1766275200,1766361600,1766448000,1766534400,1766620800,1766707200,1766793600,1766880000,1766966400,1767052800,1767139200,1767225600,1767312000,1767398400,1767484800,1767571200,1767657600,1767744000,1767830400,1767916800,1768003200,1768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class=\"mcp-tool__note\">R\u00e9tro-test\u00e9 sur de vraies cl\u00f4tures journali\u00e8res de BTC chez Binance. <strong>La fen\u00eatre d\u00e9termine le r\u00e9sultat<\/strong> \u2014 choisissez un autre point de d\u00e9part et la comparaison peut s\u2019inverser. L\u2019\u00e9talement ach\u00e8te un pire cas plus petit, pas un rendement sup\u00e9rieur, et une fen\u00eatre pass\u00e9e ne dit rien d\u2019une fen\u00eatre future.<\/p><\/div>\n<h2>Comment la comparaison est rendue \u00e9quitable<\/h2>\n<p>Le placement unique engage <strong>le m\u00eame montant total<\/strong> que le plan DCA d\u00e9penserait sur toute la fen\u00eatre, en une seule fois le premier jour. C\u2019est la seule comparaison \u00e0 p\u00e9rim\u00e8tre \u00e9gal. Opposer une s\u00e9rie de petits achats \u00e0 un seul plus important revient \u00e0 comparer deux sommes diff\u00e9rentes et n\u2019apprend rien.<\/p>\n<p>Les achats sont ex\u00e9cut\u00e9s \u00e0 de vraies cl\u00f4tures journali\u00e8res. Les frais ne sont pas mod\u00e9lis\u00e9s ici, si bien que les deux strat\u00e9gies sont flatt\u00e9es \u00e0 \u00e9galit\u00e9 \u2014 en pratique, le DCA implique davantage de transactions et donc davantage de frais, ce qui r\u00e9duit tout avantage affich\u00e9.<\/p>\n<h2>La fen\u00eatre domine le r\u00e9sultat<\/h2>\n<p>C\u2019est le point le plus important de la page. Sur un march\u00e9 en hausse r\u00e9guli\u00e8re, le placement unique l\u2019emporte, car chaque achat DCA post\u00e9rieur au premier se fait plus cher. Sur un march\u00e9 qui a baiss\u00e9 puis s\u2019est redress\u00e9, le DCA l\u2019emporte, car les achats tardifs accumulent davantage d\u2019unit\u00e9s \u00e0 bas prix. D\u00e9calez la date de d\u00e9part de quelques semaines et la r\u00e9ponse peut s\u2019inverser enti\u00e8rement.<\/p>\n<p>Ce n\u2019est pas un d\u00e9faut du calculateur \u2014 c\u2019est le constat lui-m\u00eame, et c\u2019est pourquoi toute affirmation p\u00e9remptoire selon laquelle une approche bat l\u2019autre est en r\u00e9alit\u00e9 une affirmation sur la fen\u00eatre choisie. Un backtest vous dit ce qui se serait produit dans un pass\u00e9 pr\u00e9cis. Il ne vous dit pas ce qui va se produire.<\/p>\n<h2>Ce que l\u2019\u00e9talement ach\u00e8te r\u00e9ellement<\/h2>\n<p>Pas des rendements sup\u00e9rieurs. \u00c9taler les achats r\u00e9duit la cons\u00e9quence d\u2019une erreur de timing : cela abaisse la variance de votre prix d\u2019entr\u00e9e, donc le pire r\u00e9sultat r\u00e9aliste est moins mauvais. En contrepartie, le meilleur l\u2019est aussi. Si vous disposez d\u2019une somme et que le march\u00e9 monte, vous sous-performerez \u2014 et le savoir \u00e0 l\u2019avance est pr\u00e9cis\u00e9ment l\u2019objet.<\/p>\n<p>Le co\u00fbt moyen affich\u00e9 correspond au prix moyen pay\u00e9 par unit\u00e9 sur l\u2019ensemble des achats. Le comparer au cours du d\u00e9but et de la fin de la fen\u00eatre montre o\u00f9 vos entr\u00e9es ont r\u00e9ellement atterri.<\/p>\n<h2>Questions fr\u00e9quentes<\/h2>\n<p><strong>Quelle fr\u00e9quence est la meilleure ?<\/strong> Les \u00e9carts entre hebdomadaire, bimensuel et mensuel sont faibles et incoh\u00e9rents d\u2019une fen\u00eatre \u00e0 l\u2019autre. La fr\u00e9quence compte bien moins que la pers\u00e9v\u00e9rance.<\/p>\n<p><strong>Les frais sont-ils inclus ?<\/strong> Non. Ajoutez les frais de votre plateforme \u00e0 chaque achat, et notez qu\u2019acheter plus souvent signifie les payer plus souvent.<\/p>\n<p><strong>Un bon backtest est-il une raison de commencer ?<\/strong> Non. Les fen\u00eatres pass\u00e9es ne sont pas des pr\u00e9visions, et cet outil vous montrera volontiers une fen\u00eatre confortant ce que vous croyiez d\u00e9j\u00e0.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comparez des achats \u00e0 intervalles r\u00e9guliers avec l\u2019engagement du m\u00eame total d\u00e8s le premier jour, \u00e0 partir de v\u00e9ritables cl\u00f4tures journali\u00e8res historiques. Comment la comparaison est rendue \u00e9quitable\u2026<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":277,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-tool.php","meta":{"footnotes":""},"class_list":["post-457","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mycoinpartner.com\/fr\/wp-json\/wp\/v2\/pages\/457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mycoinpartner.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mycoinpartner.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/fr\/wp-json\/wp\/v2\/comments?post=457"}],"version-history":[{"count":0,"href":"https:\/\/mycoinpartner.com\/fr\/wp-json\/wp\/v2\/pages\/457\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/fr\/wp-json\/wp\/v2\/pages\/277"}],"wp:attachment":[{"href":"https:\/\/mycoinpartner.com\/fr\/wp-json\/wp\/v2\/media?parent=457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}