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 80 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 | 47 | 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 | 48 | 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 | 49 | 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 | 50 | 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 | 51 | 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 | 52 | 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 | 53 | 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 | 54 | 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 | 55 | 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 | 56 | 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 | 57 | 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 | 58 | 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 | 59 | 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 | 60 | 0 | 43 865 | 22 358 | 15 600 | -5 907 | 118 194 | 112 287 | 146 853 | 372 640 | 372 640 | 490 834 | 484 927 | Cash after profit and before allocation=112287 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 15 | 61 | 0 | 45 181 | 22 358 | 15 756 | -7 067 | 112 287 | 105 220 | 151 259 | 372 640 | 372 640 | 484 927 | 477 860 | Cash after profit and before allocation=105220 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 16 | 62 | 0 | 46 536 | 22 358 | 15 914 | -8 264 | 105 220 | 96 956 | 155 797 | 372 640 | 372 640 | 477 860 | 469 596 | Cash after profit and before allocation=96956 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 17 | 63 | 0 | 47 933 | 22 358 | 16 073 | -9 502 | 96 956 | 87 454 | 160 471 | 372 640 | 372 640 | 469 596 | 460 094 | Cash after profit and before allocation=87454 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 18 | 64 | 0 | 49 371 | 22 358 | 16 233 | -10 780 | 87 454 | 76 674 | 165 285 | 372 640 | 372 640 | 460 094 | 449 314 | Cash after profit and before allocation=76674 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 19 | 65 | 0 | 50 852 | 22 358 | 16 396 | -12 098 | 76 674 | 64 576 | 170 243 | 372 640 | 372 640 | 449 314 | 437 216 | Cash after profit and before allocation=64576 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 20 | 66 | 0 | 52 377 | 22 358 | 16 560 | -13 459 | 64 576 | 51 117 | 175 351 | 372 640 | 372 640 | 437 216 | 423 757 | Cash after profit and before allocation=51117 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 21 | 67 | 0 | 53 949 | 22 358 | 16 725 | -14 866 | 51 117 | 36 251 | 180 611 | 372 640 | 372 640 | 423 757 | 408 891 | Cash after profit and before allocation=36251 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 22 | 68 | 0 | 55 567 | 22 358 | 16 893 | -16 316 | 36 251 | 19 935 | 186 029 | 372 640 | 372 640 | 408 891 | 392 575 | Cash after profit and before allocation=19935 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 23 | 69 | 0 | 57 234 | 22 358 | 17 061 | -17 815 | 19 935 | 2 120 | 191 610 | 372 640 | 372 640 | 392 575 | 374 760 | Cash after profit and before allocation=2120 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 24 | 70 | 0 | 58 951 | 22 358 | 17 232 | -19 361 | 2 120 | 0 | 197 359 | 372 640 | 355 399 | 374 760 | 355 399 | Cash after profit and before allocation=-17241 Désinvestissement de -17241 |
| 25 | 71 | 0 | 60 720 | 21 324 | 17 404 | -21 992 | 0 | 0 | 203 279 | 355 399 | 333 407 | 355 399 | 333 407 | Cash after profit and before allocation=-21992 Désinvestissement de -21992 |
| 26 | 72 | 0 | 62 541 | 20 004 | 17 578 | -24 959 | 0 | 0 | 209 378 | 333 407 | 308 448 | 333 407 | 308 448 | Cash after profit and before allocation=-24959 Désinvestissement de -24959 |
| 27 | 73 | 0 | 64 417 | 18 507 | 17 754 | -28 156 | 0 | 0 | 215 659 | 308 448 | 280 292 | 308 448 | 280 292 | Cash after profit and before allocation=-28156 Désinvestissement de -28156 |
| 28 | 74 | 0 | 66 350 | 16 818 | 17 932 | -31 600 | 0 | 0 | 222 129 | 280 292 | 248 692 | 280 292 | 248 692 | Cash after profit and before allocation=-31600 Désinvestissement de -31600 |
| 29 | 75 | 0 | 68 340 | 14 922 | 18 111 | -35 307 | 0 | 0 | 228 793 | 248 692 | 213 385 | 248 692 | 213 385 | Cash after profit and before allocation=-35307 Désinvestissement de -35307 |
| 30 | 76 | 0 | 70 391 | 12 803 | 18 292 | -39 296 | 0 | 0 | 235 657 | 213 385 | 174 089 | 213 385 | 174 089 | Cash after profit and before allocation=-39296 Désinvestissement de -39296 |
| 31 | 77 | 0 | 72 502 | 10 445 | 18 475 | -43 582 | 0 | 0 | 242 726 | 174 089 | 130 507 | 174 089 | 130 507 | Cash after profit and before allocation=-43582 Désinvestissement de -43582 |
| 32 | 78 | 0 | 74 677 | 7 830 | 18 660 | -48 187 | 0 | 0 | 250 008 | 130 507 | 82 320 | 130 507 | 82 320 | Cash after profit and before allocation=-48187 Désinvestissement de -48187 |
| 33 | 79 | 0 | 76 918 | 4 939 | 18 846 | -53 133 | 0 | 0 | 257 508 | 82 320 | 29 187 | 82 320 | 29 187 | Cash after profit and before allocation=-53133 Désinvestissement de -53133 |
| 34 | 80 | 0 | 79 225 | 1 751 | 19 035 | -58 439 | 0 | 0 | 265 234 | 29 187 | 0 | 29 187 | 0 | Cash after profit and before allocation=-58439 Désinvestissement de -58439 |
| 35 | 81 | 0 | 81 602 | 0 | 19 225 | -62 377 | 0 | 0 | 273 191 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-62377 Désinvestissement de -62377 |
| 36 | 82 | 0 | 84 050 | 0 | 19 418 | -64 632 | 0 | 0 | 281 386 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-64632 Désinvestissement de -64632 |
| 37 | 83 | 0 | 86 572 | 0 | 19 612 | -66 960 | 0 | 0 | 289 828 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-66960 Désinvestissement de -66960 |
| 38 | 84 | 0 | 89 169 | 0 | 19 808 | -69 361 | 0 | 0 | 298 523 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-69361 Désinvestissement de -69361 |
| 39 | 85 | 0 | 91 844 | 0 | 20 006 | -71 838 | 0 | 0 | 307 478 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-71838 Désinvestissement de -71838 |
| 40 | 86 | 0 | 94 599 | 0 | 20 206 | -74 393 | 0 | 0 | 316 703 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-74393 Désinvestissement de -74393 |
| 41 | 87 | 0 | 97 437 | 0 | 20 408 | -77 029 | 0 | 0 | 326 204 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-77029 Désinvestissement de -77029 |
| 42 | 88 | 0 | 100 360 | 0 | 20 612 | -79 748 | 0 | 0 | 335 990 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-79748 Désinvestissement de -79748 |
| 43 | 89 | 0 | 103 371 | 0 | 20 818 | -82 553 | 0 | 0 | 346 070 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-82553 Désinvestissement de -82553 |
| 44 | 90 | 0 | 106 472 | 0 | 21 026 | -85 446 | 0 | 0 | 356 452 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-85446 Désinvestissement de -85446 |
| 45 | 91 | 0 | 109 666 | 0 | 21 237 | -88 429 | 0 | 0 | 367 145 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-88429 Désinvestissement de -88429 |
| 46 | 92 | 0 | 112 956 | 0 | 21 449 | -91 507 | 0 | 0 | 378 160 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-91507 Désinvestissement de -91507 |
| 47 | 93 | 0 | 116 345 | 0 | 21 664 | -94 681 | 0 | 0 | 389 504 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-94681 Désinvestissement de -94681 |
| 48 | 94 | 0 | 119 835 | 0 | 21 880 | -97 955 | 0 | 0 | 401 190 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-97955 Désinvestissement de -97955 |
| 49 | 95 | 0 | 123 430 | 0 | 22 099 | -101 331 | 0 | 0 | 413 225 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-101331 Désinvestissement de -101331 |
| 50 | 96 | 0 | 127 133 | 0 | 22 320 | -104 813 | 0 | 0 | 425 622 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-104813 Désinvestissement de -104813 |
| 51 | 97 | 0 | 130 947 | 0 | 22 543 | -108 404 | 0 | 0 | 438 391 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-108404 Désinvestissement de -108404 |
| 52 | 98 | 0 | 134 876 | 0 | 22 769 | -112 107 | 0 | 0 | 451 542 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-112107 Désinvestissement de -112107 |
| 53 | 99 | 0 | 138 922 | 0 | 22 996 | -115 926 | 0 | 0 | 465 089 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-115926 Désinvestissement de -115926 |
| 54 | 100 | 0 | 143 090 | 0 | 23 226 | -119 864 | 0 | 0 | 479 041 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-119864 Désinvestissement de -119864 |
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