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 77 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 | 45 | 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 | 46 | 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 | 47 | 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 | 48 | 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 | 49 | 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 | 50 | 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 | 51 | 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 | 52 | 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 | 53 | 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 | 54 | 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 | 55 | 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 | 56 | 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 | 57 | 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 | 58 | 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 | 59 | 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 | 60 | 0 | 46 536 | 22 358 | 15 600 | -8 578 | 73 864 | 65 286 | 155 797 | 372 640 | 372 640 | 446 504 | 437 926 | Cash after profit and before allocation=65286 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 17 | 61 | 0 | 47 933 | 22 358 | 15 756 | -9 819 | 65 286 | 55 467 | 160 471 | 372 640 | 372 640 | 437 926 | 428 107 | Cash after profit and before allocation=55467 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 18 | 62 | 0 | 49 371 | 22 358 | 15 914 | -11 099 | 55 467 | 44 368 | 165 285 | 372 640 | 372 640 | 428 107 | 417 008 | Cash after profit and before allocation=44368 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 19 | 63 | 0 | 50 852 | 22 358 | 16 073 | -12 421 | 44 368 | 31 947 | 170 243 | 372 640 | 372 640 | 417 008 | 404 587 | Cash after profit and before allocation=31947 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 20 | 64 | 0 | 52 377 | 22 358 | 16 233 | -13 786 | 31 947 | 18 161 | 175 351 | 372 640 | 372 640 | 404 587 | 390 801 | Cash after profit and before allocation=18161 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 21 | 65 | 0 | 53 949 | 22 358 | 16 396 | -15 195 | 18 161 | 2 966 | 180 611 | 372 640 | 372 640 | 390 801 | 375 606 | Cash after profit and before allocation=2966 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 22 | 66 | 0 | 55 567 | 22 358 | 16 560 | -16 649 | 2 966 | 0 | 186 029 | 372 640 | 358 957 | 375 606 | 358 957 | Cash after profit and before allocation=-13683 Désinvestissement de -13683 |
| 23 | 67 | 0 | 57 234 | 21 537 | 16 725 | -18 972 | 0 | 0 | 191 610 | 358 957 | 339 985 | 358 957 | 339 985 | Cash after profit and before allocation=-18972 Désinvestissement de -18972 |
| 24 | 68 | 0 | 58 951 | 20 399 | 16 893 | -21 659 | 0 | 0 | 197 359 | 339 985 | 318 326 | 339 985 | 318 326 | Cash after profit and before allocation=-21659 Désinvestissement de -21659 |
| 25 | 69 | 0 | 60 720 | 19 100 | 17 061 | -24 559 | 0 | 0 | 203 279 | 318 326 | 293 767 | 318 326 | 293 767 | Cash after profit and before allocation=-24559 Désinvestissement de -24559 |
| 26 | 70 | 0 | 62 541 | 17 626 | 17 232 | -27 683 | 0 | 0 | 209 378 | 293 767 | 266 084 | 293 767 | 266 084 | Cash after profit and before allocation=-27683 Désinvestissement de -27683 |
| 27 | 71 | 0 | 64 417 | 15 965 | 17 404 | -31 048 | 0 | 0 | 215 659 | 266 084 | 235 036 | 266 084 | 235 036 | Cash after profit and before allocation=-31048 Désinvestissement de -31048 |
| 28 | 72 | 0 | 66 350 | 14 102 | 17 578 | -34 670 | 0 | 0 | 222 129 | 235 036 | 200 366 | 235 036 | 200 366 | Cash after profit and before allocation=-34670 Désinvestissement de -34670 |
| 29 | 73 | 0 | 68 340 | 12 022 | 17 754 | -38 564 | 0 | 0 | 228 793 | 200 366 | 161 802 | 200 366 | 161 802 | Cash after profit and before allocation=-38564 Désinvestissement de -38564 |
| 30 | 74 | 0 | 70 391 | 9 708 | 17 932 | -42 751 | 0 | 0 | 235 657 | 161 802 | 119 051 | 161 802 | 119 051 | Cash after profit and before allocation=-42751 Désinvestissement de -42751 |
| 31 | 75 | 0 | 72 502 | 7 143 | 18 111 | -47 248 | 0 | 0 | 242 726 | 119 051 | 71 803 | 119 051 | 71 803 | Cash after profit and before allocation=-47248 Désinvestissement de -47248 |
| 32 | 76 | 0 | 74 677 | 4 308 | 18 292 | -52 077 | 0 | 0 | 250 008 | 71 803 | 19 726 | 71 803 | 19 726 | Cash after profit and before allocation=-52077 Désinvestissement de -52077 |
| 33 | 77 | 0 | 76 918 | 1 184 | 18 475 | -57 259 | 0 | 0 | 257 508 | 19 726 | 0 | 19 726 | 0 | Cash after profit and before allocation=-57259 Désinvestissement de -57259 |
| 34 | 78 | 0 | 79 225 | 0 | 18 660 | -60 565 | 0 | 0 | 265 234 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-60565 Désinvestissement de -60565 |
| 35 | 79 | 0 | 81 602 | 0 | 18 846 | -62 756 | 0 | 0 | 273 191 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-62756 Désinvestissement de -62756 |
| 36 | 80 | 0 | 84 050 | 0 | 19 035 | -65 015 | 0 | 0 | 281 386 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-65015 Désinvestissement de -65015 |
| 37 | 81 | 0 | 86 572 | 0 | 19 225 | -67 347 | 0 | 0 | 289 828 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-67347 Désinvestissement de -67347 |
| 38 | 82 | 0 | 89 169 | 0 | 19 418 | -69 751 | 0 | 0 | 298 523 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-69751 Désinvestissement de -69751 |
| 39 | 83 | 0 | 91 844 | 0 | 19 612 | -72 232 | 0 | 0 | 307 478 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-72232 Désinvestissement de -72232 |
| 40 | 84 | 0 | 94 599 | 0 | 19 808 | -74 791 | 0 | 0 | 316 703 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-74791 Désinvestissement de -74791 |
| 41 | 85 | 0 | 97 437 | 0 | 20 006 | -77 431 | 0 | 0 | 326 204 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-77431 Désinvestissement de -77431 |
| 42 | 86 | 0 | 100 360 | 0 | 20 206 | -80 154 | 0 | 0 | 335 990 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-80154 Désinvestissement de -80154 |
| 43 | 87 | 0 | 103 371 | 0 | 20 408 | -82 963 | 0 | 0 | 346 070 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-82963 Désinvestissement de -82963 |
| 44 | 88 | 0 | 106 472 | 0 | 20 612 | -85 860 | 0 | 0 | 356 452 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-85860 Désinvestissement de -85860 |
| 45 | 89 | 0 | 109 666 | 0 | 20 818 | -88 848 | 0 | 0 | 367 145 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-88848 Désinvestissement de -88848 |
| 46 | 90 | 0 | 112 956 | 0 | 21 026 | -91 930 | 0 | 0 | 378 160 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-91930 Désinvestissement de -91930 |
| 47 | 91 | 0 | 116 345 | 0 | 21 237 | -95 108 | 0 | 0 | 389 504 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-95108 Désinvestissement de -95108 |
| 48 | 92 | 0 | 119 835 | 0 | 21 449 | -98 386 | 0 | 0 | 401 190 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-98386 Désinvestissement de -98386 |
| 49 | 93 | 0 | 123 430 | 0 | 21 664 | -101 766 | 0 | 0 | 413 225 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-101766 Désinvestissement de -101766 |
| 50 | 94 | 0 | 127 133 | 0 | 21 880 | -105 253 | 0 | 0 | 425 622 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-105253 Désinvestissement de -105253 |
| 51 | 95 | 0 | 130 947 | 0 | 22 099 | -108 848 | 0 | 0 | 438 391 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-108848 Désinvestissement de -108848 |
| 52 | 96 | 0 | 134 876 | 0 | 22 320 | -112 556 | 0 | 0 | 451 542 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-112556 Désinvestissement de -112556 |
| 53 | 97 | 0 | 138 922 | 0 | 22 543 | -116 379 | 0 | 0 | 465 089 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-116379 Désinvestissement de -116379 |
| 54 | 98 | 0 | 143 090 | 0 | 22 769 | -120 321 | 0 | 0 | 479 041 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-120321 Désinvestissement de -120321 |
| 55 | 99 | 0 | 147 382 | 0 | 22 996 | -124 386 | 0 | 0 | 493 412 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-124386 Désinvestissement de -124386 |
| 56 | 100 | 0 | 151 804 | 0 | 23 226 | -128 578 | 0 | 0 | 508 215 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-128578 Désinvestissement de -128578 |
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