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 75 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 | 44 | 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 | 45 | 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 | 46 | 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 | 47 | 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 | 48 | 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 | 49 | 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 | 50 | 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 | 51 | 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 | 52 | 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 | 53 | 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 | 54 | 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 | 55 | 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 | 56 | 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 | 57 | 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 | 58 | 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 | 59 | 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 | 60 | 0 | 47 933 | 22 358 | 15 600 | -9 975 | 49 686 | 39 711 | 160 471 | 372 640 | 372 640 | 422 326 | 412 351 | Cash after profit and before allocation=39711 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 18 | 61 | 0 | 49 371 | 22 358 | 15 756 | -11 257 | 39 711 | 28 454 | 165 285 | 372 640 | 372 640 | 412 351 | 401 094 | Cash after profit and before allocation=28454 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 19 | 62 | 0 | 50 852 | 22 358 | 15 914 | -12 580 | 28 454 | 15 874 | 170 243 | 372 640 | 372 640 | 401 094 | 388 514 | Cash after profit and before allocation=15874 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 20 | 63 | 0 | 52 377 | 22 358 | 16 073 | -13 946 | 15 874 | 1 928 | 175 351 | 372 640 | 372 640 | 388 514 | 374 568 | Cash after profit and before allocation=1928 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 21 | 64 | 0 | 53 949 | 22 358 | 16 233 | -15 358 | 1 928 | 0 | 180 611 | 372 640 | 359 210 | 374 568 | 359 210 | Cash after profit and before allocation=-13430 Désinvestissement de -13430 |
| 22 | 65 | 0 | 55 567 | 21 553 | 16 396 | -17 618 | 0 | 0 | 186 029 | 359 210 | 341 592 | 359 210 | 341 592 | Cash after profit and before allocation=-17618 Désinvestissement de -17618 |
| 23 | 66 | 0 | 57 234 | 20 496 | 16 560 | -20 178 | 0 | 0 | 191 610 | 341 592 | 321 414 | 341 592 | 321 414 | Cash after profit and before allocation=-20178 Désinvestissement de -20178 |
| 24 | 67 | 0 | 58 951 | 19 285 | 16 725 | -22 941 | 0 | 0 | 197 359 | 321 414 | 298 473 | 321 414 | 298 473 | Cash after profit and before allocation=-22941 Désinvestissement de -22941 |
| 25 | 68 | 0 | 60 720 | 17 908 | 16 893 | -25 919 | 0 | 0 | 203 279 | 298 473 | 272 554 | 298 473 | 272 554 | Cash after profit and before allocation=-25919 Désinvestissement de -25919 |
| 26 | 69 | 0 | 62 541 | 16 353 | 17 061 | -29 127 | 0 | 0 | 209 378 | 272 554 | 243 427 | 272 554 | 243 427 | Cash after profit and before allocation=-29127 Désinvestissement de -29127 |
| 27 | 70 | 0 | 64 417 | 14 606 | 17 232 | -32 579 | 0 | 0 | 215 659 | 243 427 | 210 848 | 243 427 | 210 848 | Cash after profit and before allocation=-32579 Désinvestissement de -32579 |
| 28 | 71 | 0 | 66 350 | 12 651 | 17 404 | -36 295 | 0 | 0 | 222 129 | 210 848 | 174 553 | 210 848 | 174 553 | Cash after profit and before allocation=-36295 Désinvestissement de -36295 |
| 29 | 72 | 0 | 68 340 | 10 473 | 17 578 | -40 289 | 0 | 0 | 228 793 | 174 553 | 134 264 | 174 553 | 134 264 | Cash after profit and before allocation=-40289 Désinvestissement de -40289 |
| 30 | 73 | 0 | 70 391 | 8 056 | 17 754 | -44 581 | 0 | 0 | 235 657 | 134 264 | 89 683 | 134 264 | 89 683 | Cash after profit and before allocation=-44581 Désinvestissement de -44581 |
| 31 | 74 | 0 | 72 502 | 5 381 | 17 932 | -49 189 | 0 | 0 | 242 726 | 89 683 | 40 494 | 89 683 | 40 494 | Cash after profit and before allocation=-49189 Désinvestissement de -49189 |
| 32 | 75 | 0 | 74 677 | 2 430 | 18 111 | -54 136 | 0 | 0 | 250 008 | 40 494 | 0 | 40 494 | 0 | Cash after profit and before allocation=-54136 Désinvestissement de -54136 |
| 33 | 76 | 0 | 76 918 | 0 | 18 292 | -58 626 | 0 | 0 | 257 508 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-58626 Désinvestissement de -58626 |
| 34 | 77 | 0 | 79 225 | 0 | 18 475 | -60 750 | 0 | 0 | 265 234 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-60750 Désinvestissement de -60750 |
| 35 | 78 | 0 | 81 602 | 0 | 18 660 | -62 942 | 0 | 0 | 273 191 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-62942 Désinvestissement de -62942 |
| 36 | 79 | 0 | 84 050 | 0 | 18 846 | -65 204 | 0 | 0 | 281 386 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-65204 Désinvestissement de -65204 |
| 37 | 80 | 0 | 86 572 | 0 | 19 035 | -67 537 | 0 | 0 | 289 828 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-67537 Désinvestissement de -67537 |
| 38 | 81 | 0 | 89 169 | 0 | 19 225 | -69 944 | 0 | 0 | 298 523 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-69944 Désinvestissement de -69944 |
| 39 | 82 | 0 | 91 844 | 0 | 19 418 | -72 426 | 0 | 0 | 307 478 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-72426 Désinvestissement de -72426 |
| 40 | 83 | 0 | 94 599 | 0 | 19 612 | -74 987 | 0 | 0 | 316 703 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-74987 Désinvestissement de -74987 |
| 41 | 84 | 0 | 97 437 | 0 | 19 808 | -77 629 | 0 | 0 | 326 204 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-77629 Désinvestissement de -77629 |
| 42 | 85 | 0 | 100 360 | 0 | 20 006 | -80 354 | 0 | 0 | 335 990 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-80354 Désinvestissement de -80354 |
| 43 | 86 | 0 | 103 371 | 0 | 20 206 | -83 165 | 0 | 0 | 346 070 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-83165 Désinvestissement de -83165 |
| 44 | 87 | 0 | 106 472 | 0 | 20 408 | -86 064 | 0 | 0 | 356 452 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-86064 Désinvestissement de -86064 |
| 45 | 88 | 0 | 109 666 | 0 | 20 612 | -89 054 | 0 | 0 | 367 145 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-89054 Désinvestissement de -89054 |
| 46 | 89 | 0 | 112 956 | 0 | 20 818 | -92 138 | 0 | 0 | 378 160 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-92138 Désinvestissement de -92138 |
| 47 | 90 | 0 | 116 345 | 0 | 21 026 | -95 319 | 0 | 0 | 389 504 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-95319 Désinvestissement de -95319 |
| 48 | 91 | 0 | 119 835 | 0 | 21 237 | -98 598 | 0 | 0 | 401 190 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-98598 Désinvestissement de -98598 |
| 49 | 92 | 0 | 123 430 | 0 | 21 449 | -101 981 | 0 | 0 | 413 225 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-101981 Désinvestissement de -101981 |
| 50 | 93 | 0 | 127 133 | 0 | 21 664 | -105 469 | 0 | 0 | 425 622 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-105469 Désinvestissement de -105469 |
| 51 | 94 | 0 | 130 947 | 0 | 21 880 | -109 067 | 0 | 0 | 438 391 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-109067 Désinvestissement de -109067 |
| 52 | 95 | 0 | 134 876 | 0 | 22 099 | -112 777 | 0 | 0 | 451 542 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-112777 Désinvestissement de -112777 |
| 53 | 96 | 0 | 138 922 | 0 | 22 320 | -116 602 | 0 | 0 | 465 089 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-116602 Désinvestissement de -116602 |
| 54 | 97 | 0 | 143 090 | 0 | 22 543 | -120 547 | 0 | 0 | 479 041 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-120547 Désinvestissement de -120547 |
| 55 | 98 | 0 | 147 382 | 0 | 22 769 | -124 613 | 0 | 0 | 493 412 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-124613 Désinvestissement de -124613 |
| 56 | 99 | 0 | 151 804 | 0 | 22 996 | -128 808 | 0 | 0 | 508 215 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-128808 Désinvestissement de -128808 |
| 57 | 100 | 0 | 156 358 | 0 | 23 226 | -133 132 | 0 | 0 | 523 461 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-133132 Désinvestissement de -133132 |
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