diff --git a/services/targo-hub/lib/contracts.js b/services/targo-hub/lib/contracts.js
index 5affb5f..fa95c81 100644
--- a/services/targo-hub/lib/contracts.js
+++ b/services/targo-hub/lib/contracts.js
@@ -998,10 +998,21 @@ tfoot td{font-weight:700;color:#00733a;background:#f4fff6;border-top:1px solid #
 
   <div class="field"><span class="label">Client</span><span class="value">${escapeHtml(contract.customer_name || contract.customer || '')}</span></div>
   <div class="field"><span class="label">Mensualité</span><span class="value">${contract.monthly_rate || 0} $/mois <span style="color:#9ca3af;font-weight:400;font-size:12px">(+taxes)</span></span></div>
-  ${installFee ? `<div class="field"><span class="label">Installation (financée sur ${duration} mois)</span><span class="value">${installMonthly} $/mois <span style="color:#9ca3af;font-weight:400;font-size:12px">(${installFee} $ — service)</span></span></div>` : ''}
   <div class="field"><span class="label">Durée</span><span class="value">${duration} mois</span></div>
   <div class="field"><span class="label">Début prévu</span><span class="value">${contract.start_date || 'À déterminer'}</span></div>
 
+  ${installFee ? `
+  <h3>Détail mensuel</h3>
+  <table>
+    <tbody>
+      <tr><td>Forfait</td><td class="r">${contract.monthly_rate || 0} $</td></tr>
+      <tr><td>Financement de l'installation (${duration} mois)</td><td class="r">+${installMonthly} $</td></tr>
+      <tr><td>Rabais nouveau client (${duration} mois)</td><td class="r" style="color:#019547">−${installMonthly} $</td></tr>
+    </tbody>
+    <tfoot><tr><td>Total mensuel</td><td class="r">${contract.monthly_rate || 0} $</td></tr></tfoot>
+  </table>
+  <div style="font-size:12px;color:#6b7280;margin:-2px 0 4px">Votre <strong>installation (${installFee} $) est offerte</strong> tant que vous demeurez client : le rabais nouveau client annule le financement. En cas de départ avant ${duration} mois, seul le <strong>solde restant de l'installation</strong> demeure dû — un service déjà réalisé, sans pénalité.</div>` : ''}
+
   ${benefitRows ? `
   <h3>Promotions appliquées</h3>
   <table>