marcbluersky.com
The calculator determines if you can become a rentier, at what age, and for how long, based on your investments, their returns, and your expenses.
⚠️ Caution, you will have nothing left at the age of 74 ans.
| Period | Age | Wages | Expenses | Interests | Pension | P&L | cash start | cash end | Target emergency savings | Capital start | Capital end | Wealth start | Wealth end | log |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 43 | 40 000 | 30 900 | 9 000 | 0 | 18 100 | 70 000 | 88 100 | 100 000 | 150 000 | 150 000 | 220 000 | 238 100 | Cash after profit and before allocation=88100 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 2 | 44 | 41 200 | 31 827 | 9 000 | 0 | 18 373 | 88 100 | 103 000 | 103 000 | 150 000 | 153 473 | 238 100 | 256 473 | Cash after profit and before allocation=106473 Réinvestissement de 3473 |
| 3 | 45 | 42 436 | 32 782 | 9 208 | 0 | 18 862 | 103 000 | 106 090 | 106 090 | 153 473 | 169 245 | 256 473 | 275 335 | Cash after profit and before allocation=121862 Réinvestissement de 15772 |
| 4 | 46 | 43 709 | 33 765 | 10 155 | 0 | 20 099 | 106 090 | 109 273 | 109 273 | 169 245 | 186 161 | 275 335 | 295 434 | Cash after profit and before allocation=126189 Réinvestissement de 16916 |
| 5 | 47 | 45 020 | 34 778 | 11 170 | 0 | 21 412 | 109 273 | 112 551 | 112 551 | 186 161 | 204 295 | 295 434 | 316 846 | Cash after profit and before allocation=130685 Réinvestissement de 18134 |
| 6 | 48 | 46 371 | 35 822 | 12 258 | 0 | 22 807 | 112 551 | 115 927 | 115 927 | 204 295 | 223 726 | 316 846 | 339 653 | Cash after profit and before allocation=135358 Réinvestissement de 19431 |
| 7 | 49 | 47 762 | 36 896 | 13 424 | 0 | 24 290 | 115 927 | 119 405 | 119 405 | 223 726 | 244 538 | 339 653 | 363 943 | Cash after profit and before allocation=140217 Réinvestissement de 20812 |
| 8 | 50 | 49 195 | 38 003 | 14 672 | 0 | 25 864 | 119 405 | 122 987 | 122 987 | 244 538 | 266 820 | 363 943 | 389 807 | Cash after profit and before allocation=145269 Réinvestissement de 22282 |
| 9 | 51 | 50 671 | 39 143 | 16 009 | 0 | 27 537 | 122 987 | 126 677 | 126 677 | 266 820 | 290 667 | 389 807 | 417 344 | Cash after profit and before allocation=150524 Réinvestissement de 23847 |
| 10 | 52 | 52 191 | 40 317 | 17 440 | 0 | 29 314 | 126 677 | 130 477 | 130 477 | 290 667 | 316 181 | 417 344 | 446 658 | Cash after profit and before allocation=155991 Réinvestissement de 25514 |
| 11 | 53 | 53 757 | 41 527 | 18 971 | 0 | 31 201 | 130 477 | 134 392 | 134 392 | 316 181 | 343 467 | 446 658 | 477 859 | Cash after profit and before allocation=161678 Réinvestissement de 27286 |
| 12 | 54 | 55 369 | 42 773 | 20 608 | 0 | 33 204 | 134 392 | 138 423 | 138 423 | 343 467 | 372 640 | 477 859 | 511 063 | Cash after profit and before allocation=167596 Réinvestissement de 29173 |
| 13 | 55 | 0 | 42 587 | 22 358 | 0 | -20 229 | 138 423 | 118 194 | 142 576 | 372 640 | 372 640 | 511 063 | 490 834 | Cash after profit and before allocation=118194 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 14 | 56 | 0 | 43 865 | 22 358 | 0 | -21 507 | 118 194 | 96 687 | 146 853 | 372 640 | 372 640 | 490 834 | 469 327 | Cash after profit and before allocation=96687 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 15 | 57 | 0 | 45 181 | 22 358 | 0 | -22 823 | 96 687 | 73 864 | 151 259 | 372 640 | 372 640 | 469 327 | 446 504 | Cash after profit and before allocation=73864 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 16 | 58 | 0 | 46 536 | 22 358 | 0 | -24 178 | 73 864 | 49 686 | 155 797 | 372 640 | 372 640 | 446 504 | 422 326 | Cash after profit and before allocation=49686 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 17 | 59 | 0 | 47 933 | 22 358 | 0 | -25 575 | 49 686 | 24 111 | 160 471 | 372 640 | 372 640 | 422 326 | 396 751 | Cash after profit and before allocation=24111 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 18 | 60 | 0 | 49 371 | 22 358 | 15 600 | -11 413 | 24 111 | 12 698 | 165 285 | 372 640 | 372 640 | 396 751 | 385 338 | Cash after profit and before allocation=12698 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 19 | 61 | 0 | 50 852 | 22 358 | 15 756 | -12 738 | 12 698 | 0 | 170 243 | 372 640 | 372 600 | 385 338 | 372 600 | Cash after profit and before allocation=-40 Désinvestissement de -40 |
| 20 | 62 | 0 | 52 377 | 22 356 | 15 914 | -14 107 | 0 | 0 | 175 351 | 372 600 | 358 493 | 372 600 | 358 493 | Cash after profit and before allocation=-14107 Désinvestissement de -14107 |
| 21 | 63 | 0 | 53 949 | 21 510 | 16 073 | -16 366 | 0 | 0 | 180 611 | 358 493 | 342 127 | 358 493 | 342 127 | Cash after profit and before allocation=-16366 Désinvestissement de -16366 |
| 22 | 64 | 0 | 55 567 | 20 528 | 16 233 | -18 806 | 0 | 0 | 186 029 | 342 127 | 323 321 | 342 127 | 323 321 | Cash after profit and before allocation=-18806 Désinvestissement de -18806 |
| 23 | 65 | 0 | 57 234 | 19 399 | 16 396 | -21 439 | 0 | 0 | 191 610 | 323 321 | 301 882 | 323 321 | 301 882 | Cash after profit and before allocation=-21439 Désinvestissement de -21439 |
| 24 | 66 | 0 | 58 951 | 18 113 | 16 560 | -24 278 | 0 | 0 | 197 359 | 301 882 | 277 604 | 301 882 | 277 604 | Cash after profit and before allocation=-24278 Désinvestissement de -24278 |
| 25 | 67 | 0 | 60 720 | 16 656 | 16 725 | -27 339 | 0 | 0 | 203 279 | 277 604 | 250 265 | 277 604 | 250 265 | Cash after profit and before allocation=-27339 Désinvestissement de -27339 |
| 26 | 68 | 0 | 62 541 | 15 016 | 16 893 | -30 632 | 0 | 0 | 209 378 | 250 265 | 219 633 | 250 265 | 219 633 | Cash after profit and before allocation=-30632 Désinvestissement de -30632 |
| 27 | 69 | 0 | 64 417 | 13 178 | 17 061 | -34 178 | 0 | 0 | 215 659 | 219 633 | 185 455 | 219 633 | 185 455 | Cash after profit and before allocation=-34178 Désinvestissement de -34178 |
| 28 | 70 | 0 | 66 350 | 11 127 | 17 232 | -37 991 | 0 | 0 | 222 129 | 185 455 | 147 464 | 185 455 | 147 464 | Cash after profit and before allocation=-37991 Désinvestissement de -37991 |
| 29 | 71 | 0 | 68 340 | 8 848 | 17 404 | -42 088 | 0 | 0 | 228 793 | 147 464 | 105 376 | 147 464 | 105 376 | Cash after profit and before allocation=-42088 Désinvestissement de -42088 |
| 30 | 72 | 0 | 70 391 | 6 323 | 17 578 | -46 490 | 0 | 0 | 235 657 | 105 376 | 58 886 | 105 376 | 58 886 | Cash after profit and before allocation=-46490 Désinvestissement de -46490 |
| 31 | 73 | 0 | 72 502 | 3 533 | 17 754 | -51 215 | 0 | 0 | 242 726 | 58 886 | 7 671 | 58 886 | 7 671 | Cash after profit and before allocation=-51215 Désinvestissement de -51215 |
| 32 | 74 | 0 | 74 677 | 460 | 17 932 | -56 285 | 0 | 0 | 250 008 | 7 671 | 0 | 7 671 | 0 | Cash after profit and before allocation=-56285 Désinvestissement de -56285 |
| 33 | 75 | 0 | 76 918 | 0 | 18 111 | -58 807 | 0 | 0 | 257 508 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-58807 Désinvestissement de -58807 |
| 34 | 76 | 0 | 79 225 | 0 | 18 292 | -60 933 | 0 | 0 | 265 234 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-60933 Désinvestissement de -60933 |
| 35 | 77 | 0 | 81 602 | 0 | 18 475 | -63 127 | 0 | 0 | 273 191 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-63127 Désinvestissement de -63127 |
| 36 | 78 | 0 | 84 050 | 0 | 18 660 | -65 390 | 0 | 0 | 281 386 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-65390 Désinvestissement de -65390 |
| 37 | 79 | 0 | 86 572 | 0 | 18 846 | -67 726 | 0 | 0 | 289 828 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-67726 Désinvestissement de -67726 |
| 38 | 80 | 0 | 89 169 | 0 | 19 035 | -70 134 | 0 | 0 | 298 523 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-70134 Désinvestissement de -70134 |
| 39 | 81 | 0 | 91 844 | 0 | 19 225 | -72 619 | 0 | 0 | 307 478 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-72619 Désinvestissement de -72619 |
| 40 | 82 | 0 | 94 599 | 0 | 19 418 | -75 181 | 0 | 0 | 316 703 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-75181 Désinvestissement de -75181 |
| 41 | 83 | 0 | 97 437 | 0 | 19 612 | -77 825 | 0 | 0 | 326 204 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-77825 Désinvestissement de -77825 |
| 42 | 84 | 0 | 100 360 | 0 | 19 808 | -80 552 | 0 | 0 | 335 990 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-80552 Désinvestissement de -80552 |
| 43 | 85 | 0 | 103 371 | 0 | 20 006 | -83 365 | 0 | 0 | 346 070 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-83365 Désinvestissement de -83365 |
| 44 | 86 | 0 | 106 472 | 0 | 20 206 | -86 266 | 0 | 0 | 356 452 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-86266 Désinvestissement de -86266 |
| 45 | 87 | 0 | 109 666 | 0 | 20 408 | -89 258 | 0 | 0 | 367 145 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-89258 Désinvestissement de -89258 |
| 46 | 88 | 0 | 112 956 | 0 | 20 612 | -92 344 | 0 | 0 | 378 160 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-92344 Désinvestissement de -92344 |
| 47 | 89 | 0 | 116 345 | 0 | 20 818 | -95 527 | 0 | 0 | 389 504 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-95527 Désinvestissement de -95527 |
| 48 | 90 | 0 | 119 835 | 0 | 21 026 | -98 809 | 0 | 0 | 401 190 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-98809 Désinvestissement de -98809 |
| 49 | 91 | 0 | 123 430 | 0 | 21 237 | -102 193 | 0 | 0 | 413 225 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-102193 Désinvestissement de -102193 |
| 50 | 92 | 0 | 127 133 | 0 | 21 449 | -105 684 | 0 | 0 | 425 622 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-105684 Désinvestissement de -105684 |
| 51 | 93 | 0 | 130 947 | 0 | 21 664 | -109 283 | 0 | 0 | 438 391 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-109283 Désinvestissement de -109283 |
| 52 | 94 | 0 | 134 876 | 0 | 21 880 | -112 996 | 0 | 0 | 451 542 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-112996 Désinvestissement de -112996 |
| 53 | 95 | 0 | 138 922 | 0 | 22 099 | -116 823 | 0 | 0 | 465 089 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-116823 Désinvestissement de -116823 |
| 54 | 96 | 0 | 143 090 | 0 | 22 320 | -120 770 | 0 | 0 | 479 041 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-120770 Désinvestissement de -120770 |
| 55 | 97 | 0 | 147 382 | 0 | 22 543 | -124 839 | 0 | 0 | 493 412 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-124839 Désinvestissement de -124839 |
| 56 | 98 | 0 | 151 804 | 0 | 22 769 | -129 035 | 0 | 0 | 508 215 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-129035 Désinvestissement de -129035 |
| 57 | 99 | 0 | 156 358 | 0 | 22 996 | -133 362 | 0 | 0 | 523 461 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-133362 Désinvestissement de -133362 |
| 58 | 100 | 0 | 161 049 | 0 | 23 226 | -137 823 | 0 | 0 | 539 165 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-137823 Désinvestissement de -137823 |
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