{"id":3771,"date":"2026-02-25T11:07:25","date_gmt":"2026-02-25T11:07:25","guid":{"rendered":"https:\/\/wolffinance.swiss\/?page_id=3771"},"modified":"2026-08-31T11:44:43","modified_gmt":"2026-08-31T11:44:43","slug":"planifiez-vos-besoins-financiers","status":"publish","type":"page","link":"https:\/\/wolffinance.swiss\/en\/planifiez-vos-besoins-financiers\/","title":{"rendered":"Plan Your Financial Needs"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.27.6&Prime; _module_preset=\u00a0\u00bb8a636331-77cc-4b3b-abce-c2a6e7039be4&Prime; background_color=\u00a0\u00bb#011133&Prime; background_size=\u00a0\u00bbcustom\u00a0\u00bb background_image_width=\u00a0\u00bb95%\u00a0\u00bb background_position=\u00a0\u00bbtop_right\u00a0\u00bb custom_padding=\u00a0\u00bb0px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_phone=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb2560px\u00a0\u00bb custom_padding=\u00a0\u00bb8px||0px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.27.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb10px||10px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/wolffinance.swiss\/wp-content\/uploads\/2026\/02\/Wolff-blanc.png\u00a0\u00bb title_text=\u00a0\u00bbWolff-blanc\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb5%\u00a0\u00bb width_tablet=\u00a0\u00bb5%\u00a0\u00bb width_phone=\u00a0\u00bb20%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb||15px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bb31d1b019-b248-4cf0-8ac3-38d8ec0052e7&Prime; text_font=\u00a0\u00bb&#8211;et_global_body_font|300|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin_phone=\u00a0\u00bb||10%||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1>Planifiez vos besoins financiers<\/h1>\n<p class=\"p1\" style=\"text-align: center;\">Utilisez nos outils pour visualiser les besoin d&rsquo;\u00e9pargne ou de rendement pour construire une strat\u00e9gie coh\u00e9rente pour atteindre vos objectifs.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; _builder_version=\u00a0\u00bb4.27.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_phone=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb2560px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.27.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font=\u00a0\u00bbManrope|800|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font_size=\u00a0\u00bb32px\u00a0\u00bb header_2_letter_spacing=\u00a0\u00bb-1px\u00a0\u00bb custom_margin=\u00a0\u00bb||16px|||\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb||16px|||\u00a0\u00bb custom_margin_phone=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>\u00a0Calculez votre besoin d&rsquo;\u00e9pargne\u00a0 pour arrive \u00e0 votre objectif<\/p>\n<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb18px\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb||12px||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Combien \u00e9pargner par ann\u00e9e afin d&rsquo;atteindre l&rsquo;objectif d&rsquo;\u00e9pargne?<\/p>\n<p>[\/et_pb_text][et_pb_code _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<div class=\"wf-calc wf-dark wf-sim-epargne\" id=\"wf-pmt-needed\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"wf-card\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"wf-head\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"wf-field\"><!-- [et_pb_line_break_holder] -->        <label>Capital initial (CHF)<\/label><!-- [et_pb_line_break_holder] -->        <input id=\"wf2_pv\" type=\"text\" value=\"50 000\" inputmode=\"numeric\" autocomplete=\"off\"><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"wf-field\"><!-- [et_pb_line_break_holder] -->        <label>Taux de rendement (%)<\/label><!-- [et_pb_line_break_holder] -->        <input id=\"wf2_rate\" type=\"number\" value=\"5\" min=\"-50\" step=\"0.1\"><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"wf-field\"><!-- [et_pb_line_break_holder] -->        <label>Objectif (CHF)<\/label><!-- [et_pb_line_break_holder] -->        <input id=\"wf2_fv\" type=\"text\" value=\"500 000\" inputmode=\"numeric\" autocomplete=\"off\"><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"wf-field\"><!-- [et_pb_line_break_holder] -->        <label>Dur\u00e9e (ann\u00e9es)<\/label><!-- [et_pb_line_break_holder] -->        <input id=\"wf2_n\" type=\"number\" value=\"20\" min=\"1\" step=\"1\"><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <button id=\"wf2_btn\" class=\"wf-btn\" type=\"button\">Calculer<\/button><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div id=\"wf2_out\" class=\"wf-summary\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"wf-note\">Hypoth\u00e8se: versements \u00e0 la fin de chaque ann\u00e9e.<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->.wf-sim-epargne.wf-calc{<!-- [et_pb_line_break_holder] -->  max-width:100%;<!-- [et_pb_line_break_holder] -->  margin:0;<!-- [et_pb_line_break_holder] -->  color:#fff;<!-- [et_pb_line_break_holder] -->  font-family:inherit;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-head{<!-- [et_pb_line_break_holder] -->  display:flex;<!-- [et_pb_line_break_holder] -->  gap:12px;<!-- 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(`To reach <b>${fmt.format(fvT)} CHF<\/b> in <b>${n} years<\/b>, ` + `with a <b>${(r*100).toFixed(2)}%<\/b> rate of return and <b>${fmt.format(pv)} CHF<\/b> as a starting amount, ` + `you need to save approximately <b>${fmt.format(pmt)} CHF<\/b> per year.`) : (`Pour atteindre <b>${fmt.format(fvT)} CHF<\/b> en <b>${n} ans<\/b>, ` + `avec un rendement de <b>${(r*100).toFixed(2)}%<\/b> et <b>${fmt.format(pv)} CHF<\/b> au d\u00e9part, ` + `vous devez \u00e9pargner environ <b>${fmt.format(pmt)} CHF<\/b> par an.`));<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  attachFormattedInput(\"wf2_pv\");<!-- [et_pb_line_break_holder] -->  attachFormattedInput(\"wf2_fv\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  btn.addEventListener(\"click\", run);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  [\"wf2_rate\",\"wf2_n\"].forEach(id => {<!-- [et_pb_line_break_holder] -->    document.getElementById(id).addEventListener(\"input\", run);<!-- [et_pb_line_break_holder] -->  });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  run();<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><\/script>[\/et_pb_code][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.27.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font=\u00a0\u00bbManrope|800|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font_size=\u00a0\u00bb32px\u00a0\u00bb header_2_letter_spacing=\u00a0\u00bb-1px\u00a0\u00bb custom_margin=\u00a0\u00bb||16px|||\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb||16px|||\u00a0\u00bb custom_margin_phone=\u00a0\u00bb40px||0px||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>D\u00e9finissez votre rendement attendu pour arriver \u00e0 votre objectif<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.6&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb18px\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb||12px||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Taux de rendement afin d&rsquo;atteindre l&rsquo;objectif d&rsquo;\u00e9pargne?<\/p>\n<p>[\/et_pb_text][et_pb_code _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<div class=\"wf-calc wf-dark wf-sim-epargne\" id=\"wf-rate-needed\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"wf-card\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"wf-head\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"wf-field\"><!-- [et_pb_line_break_holder] -->        <label>Capital initial (CHF)<\/label><!-- [et_pb_line_break_holder] -->        <input id=\"wf1_pv\" type=\"text\" value=\"50 000\" inputmode=\"numeric\" autocomplete=\"off\"><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"wf-field\"><!-- [et_pb_line_break_holder] -->        <label>\u00c9pargne annuelle (CHF)<\/label><!-- [et_pb_line_break_holder] -->        <input id=\"wf1_pmt\" type=\"text\" value=\"10 000\" inputmode=\"numeric\" autocomplete=\"off\"><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"wf-field\"><!-- [et_pb_line_break_holder] -->        <label>Objectif (CHF)<\/label><!-- [et_pb_line_break_holder] -->        <input id=\"wf1_fv\" type=\"text\" value=\"500 000\" inputmode=\"numeric\" autocomplete=\"off\"><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"wf-field\"><!-- [et_pb_line_break_holder] -->        <label>Dur\u00e9e (ann\u00e9es)<\/label><!-- [et_pb_line_break_holder] -->        <input id=\"wf1_n\" type=\"number\" value=\"20\" min=\"1\" step=\"1\"><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <button id=\"wf1_btn\" class=\"wf-btn\" type=\"button\">Calculer<\/button><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div id=\"wf1_out\" class=\"wf-summary\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"wf-note\">Hypoth\u00e8se: versements \u00e0 la fin de chaque ann\u00e9e.<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->\/* ===== WF styles (scoped) ===== *\/<!-- [et_pb_line_break_holder] -->.wf-sim-epargne.wf-calc{<!-- [et_pb_line_break_holder] -->  max-width:100%;<!-- [et_pb_line_break_holder] -->  margin:0;<!-- [et_pb_line_break_holder] -->  color:#fff;<!-- [et_pb_line_break_holder] -->  font-family:inherit;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-head{<!-- [et_pb_line_break_holder] -->  display:flex;<!-- [et_pb_line_break_holder] -->  gap:12px;<!-- [et_pb_line_break_holder] -->  flex-wrap:wrap;<!-- [et_pb_line_break_holder] -->  align-items:end;<!-- [et_pb_line_break_holder] -->  margin-bottom:10px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-field{<!-- [et_pb_line_break_holder] -->  flex:1;<!-- [et_pb_line_break_holder] -->  min-width:220px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-field label{<!-- [et_pb_line_break_holder] -->  display:block;<!-- [et_pb_line_break_holder] -->  margin-bottom:8px;<!-- [et_pb_line_break_holder] -->  font-size:16px;<!-- [et_pb_line_break_holder] -->  opacity:.95;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-field input{<!-- [et_pb_line_break_holder] -->  width:100%;<!-- [et_pb_line_break_holder] -->  padding:14px;<!-- [et_pb_line_break_holder] -->  border-radius:5px;<!-- [et_pb_line_break_holder] -->  border:1px solid rgba(255,255,255,.18);<!-- [et_pb_line_break_holder] -->  background:rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] -->  color:#fff;<!-- [et_pb_line_break_holder] -->  outline:none;<!-- [et_pb_line_break_holder] -->  font-size:18px;<!-- [et_pb_line_break_holder] -->  line-height:1.2;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-field input:focus{<!-- [et_pb_line_break_holder] -->  border-color:rgba(255,255,255,.35);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-btn{<!-- [et_pb_line_break_holder] -->  padding:14px 18px;<!-- [et_pb_line_break_holder] -->  border-radius:5px;<!-- [et_pb_line_break_holder] -->  border:1px solid rgba(255,255,255,.25);<!-- [et_pb_line_break_holder] -->  background:rgba(255,255,255,.12);<!-- [et_pb_line_break_holder] -->  color:#fff;<!-- [et_pb_line_break_holder] -->  cursor:pointer;<!-- [et_pb_line_break_holder] -->  transition:.2s;<!-- [et_pb_line_break_holder] -->  font-size:16px;<!-- [et_pb_line_break_holder] -->  line-height:1.2;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-btn:hover{<!-- [et_pb_line_break_holder] -->  background:rgba(255,255,255,.2);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-summary{<!-- [et_pb_line_break_holder] -->  margin:12px 0 0;<!-- [et_pb_line_break_holder] -->  padding:16px;<!-- [et_pb_line_break_holder] -->  border-radius:5px;<!-- [et_pb_line_break_holder] -->  background:rgba(255,255,255,.06);<!-- [et_pb_line_break_holder] -->  border:1px solid rgba(255,255,255,.14);<!-- [et_pb_line_break_holder] -->  font-size:17px;<!-- [et_pb_line_break_holder] -->  line-height:1.45;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-card{<!-- [et_pb_line_break_holder] -->  margin-top:0;<!-- [et_pb_line_break_holder] -->  padding:16px;<!-- [et_pb_line_break_holder] -->  border-radius:5px;<!-- [et_pb_line_break_holder] -->  background:rgba(255,255,255,.05);<!-- [et_pb_line_break_holder] -->  border:1px solid rgba(255,255,255,.12);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-card-title{<!-- [et_pb_line_break_holder] -->  margin-bottom:10px;<!-- [et_pb_line_break_holder] -->  font-size:16px;<!-- [et_pb_line_break_holder] -->  opacity:.95;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.wf-sim-epargne .wf-note{<!-- [et_pb_line_break_holder] -->  margin-top:10px;<!-- [et_pb_line_break_holder] -->  font-size:13px;<!-- [et_pb_line_break_holder] -->  opacity:.8;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* kill eventuali bordi globali Divi *\/<!-- [et_pb_line_break_holder] -->.wf-sim-epargne,<!-- [et_pb_line_break_holder] -->.wf-sim-epargne *{<!-- [et_pb_line_break_holder] -->  box-shadow:none;<!-- [et_pb_line_break_holder] -->  outline:none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->@media (max-width: 820px){<!-- [et_pb_line_break_holder] -->  .wf-sim-epargne .wf-field label{font-size:15px;}<!-- [et_pb_line_break_holder] -->  .wf-sim-epargne .wf-field input{font-size:17px;}<!-- [et_pb_line_break_holder] -->  .wf-sim-epargne .wf-btn{font-size:15px;}<!-- [et_pb_line_break_holder] -->  .wf-sim-epargne .wf-summary{font-size:16px;}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->(function(){<!-- [et_pb_line_break_holder] -->  const isEN = document.documentElement.lang.toLowerCase().indexOf('en') === 0; const fmt = new Intl.NumberFormat(isEN ? 'en-US' : 'fr-CH', { maximumFractionDigits: 0 });<!-- [et_pb_line_break_holder] -->  const btn = document.getElementById(\"wf1_btn\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function digitsOnly(value){<!-- [et_pb_line_break_holder] -->    return (value || '').replace(\/\\D\/g, '');<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function formatThousands(value){<!-- [et_pb_line_break_holder] -->    const digits = digitsOnly(value);<!-- [et_pb_line_break_holder] -->    if (!digits) return '';<!-- [et_pb_line_break_holder] -->    return fmt.format(Number(digits));<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function parseFormattedNumber(value){<!-- [et_pb_line_break_holder] -->    const digits = digitsOnly(value);<!-- [et_pb_line_break_holder] -->    return digits ? Number(digits) : 0;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function attachFormattedInput(id){<!-- [et_pb_line_break_holder] -->    const input = document.getElementById(id);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const reformat = () => {<!-- [et_pb_line_break_holder] -->      input.value = formatThousands(input.value);<!-- [et_pb_line_break_holder] -->    };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    input.addEventListener('focus', reformat);<!-- [et_pb_line_break_holder] -->    input.addEventListener('blur', reformat);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    input.addEventListener('input', () => {<!-- [et_pb_line_break_holder] -->      input.value = formatThousands(input.value);<!-- [et_pb_line_break_holder] -->      run();<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    input.addEventListener('keydown', (e) => {<!-- [et_pb_line_break_holder] -->      const allowedKeys = [<!-- [et_pb_line_break_holder] -->        'Backspace','Delete','Tab','Escape','Enter',<!-- [et_pb_line_break_holder] -->        'ArrowLeft','ArrowRight','ArrowUp','ArrowDown',<!-- [et_pb_line_break_holder] -->        'Home','End'<!-- [et_pb_line_break_holder] -->      ];<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      if (allowedKeys.includes(e.key)) return;<!-- [et_pb_line_break_holder] -->      if ((e.ctrlKey || e.metaKey) && ['a','c','v','x'].includes(e.key.toLowerCase())) return;<!-- [et_pb_line_break_holder] -->      if (!\/^\\d$\/.test(e.key)) e.preventDefault();<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    reformat();<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function fv(rate, nper, pmt, pv){<!-- [et_pb_line_break_holder] -->    if (rate === 0) return -(pv + pmt * nper);<!-- [et_pb_line_break_holder] -->    const pow = Math.pow(1 + rate, nper);<!-- [et_pb_line_break_holder] -->    return -(pv * pow + pmt * (pow - 1) \/ rate);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function rateNeeded(pvInput, pmtInput, fvTarget, n){<!-- [et_pb_line_break_holder] -->    const pv = -pvInput;<!-- [et_pb_line_break_holder] -->    const pmt = -pmtInput;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    let lo = -0.99, hi = 1.0;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const f = (r) => fv(r, n, pmt, pv) - fvTarget;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    let fLo = f(lo), fHi = f(hi);<!-- [et_pb_line_break_holder] -->    let guard = 0;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    while (fLo * fHi > 0 && guard < 30){<!-- [et_pb_line_break_holder] -->      hi *= 1.5;<!-- [et_pb_line_break_holder] -->      fHi = f(hi);<!-- [et_pb_line_break_holder] -->      guard++;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    for(let i = 0; i < 80; i++){<!-- [et_pb_line_break_holder] -->      const mid = (lo + hi) \/ 2;<!-- [et_pb_line_break_holder] -->      const fMid = f(mid);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      if (Math.abs(fMid) < 1e-6) return mid;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      if (fLo * fMid <= 0){<!-- [et_pb_line_break_holder] -->        hi = mid;<!-- [et_pb_line_break_holder] -->        fHi = fMid;<!-- [et_pb_line_break_holder] -->      } else {<!-- [et_pb_line_break_holder] -->        lo = mid;<!-- [et_pb_line_break_holder] -->        fLo = fMid;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    return (lo + hi) \/ 2;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function run(){<!-- [et_pb_line_break_holder] -->    const pv = parseFormattedNumber(document.getElementById(\"wf1_pv\").value);<!-- [et_pb_line_break_holder] -->    const pmt = parseFormattedNumber(document.getElementById(\"wf1_pmt\").value);<!-- [et_pb_line_break_holder] -->    const fvT = parseFormattedNumber(document.getElementById(\"wf1_fv\").value);<!-- [et_pb_line_break_holder] -->    const n = Number(document.getElementById(\"wf1_n\").value || 1);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const r = rateNeeded(pv, pmt, fvT, n);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    document.getElementById(\"wf1_out\").innerHTML =<!-- [et_pb_line_break_holder] -->      (isEN ? 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