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 82 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 | 48 | 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 | 49 | 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 | 50 | 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 | 51 | 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 | 52 | 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 | 53 | 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 | 54 | 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 | 55 | 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 | 56 | 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 | 57 | 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 | 58 | 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 | 59 | 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 | 60 | 0 | 42 587 | 22 358 | 15 600 | -4 629 | 138 423 | 133 794 | 142 576 | 372 640 | 372 640 | 511 063 | 506 434 | Cash after profit and before allocation=133794 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 14 | 61 | 0 | 43 865 | 22 358 | 15 756 | -5 751 | 133 794 | 128 043 | 146 853 | 372 640 | 372 640 | 506 434 | 500 683 | Cash after profit and before allocation=128043 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 15 | 62 | 0 | 45 181 | 22 358 | 15 914 | -6 909 | 128 043 | 121 134 | 151 259 | 372 640 | 372 640 | 500 683 | 493 774 | Cash after profit and before allocation=121134 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 16 | 63 | 0 | 46 536 | 22 358 | 16 073 | -8 105 | 121 134 | 113 029 | 155 797 | 372 640 | 372 640 | 493 774 | 485 669 | Cash after profit and before allocation=113029 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 17 | 64 | 0 | 47 933 | 22 358 | 16 233 | -9 342 | 113 029 | 103 687 | 160 471 | 372 640 | 372 640 | 485 669 | 476 327 | Cash after profit and before allocation=103687 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 18 | 65 | 0 | 49 371 | 22 358 | 16 396 | -10 617 | 103 687 | 93 070 | 165 285 | 372 640 | 372 640 | 476 327 | 465 710 | Cash after profit and before allocation=93070 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 19 | 66 | 0 | 50 852 | 22 358 | 16 560 | -11 934 | 93 070 | 81 136 | 170 243 | 372 640 | 372 640 | 465 710 | 453 776 | Cash after profit and before allocation=81136 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 20 | 67 | 0 | 52 377 | 22 358 | 16 725 | -13 294 | 81 136 | 67 842 | 175 351 | 372 640 | 372 640 | 453 776 | 440 482 | Cash after profit and before allocation=67842 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 21 | 68 | 0 | 53 949 | 22 358 | 16 893 | -14 698 | 67 842 | 53 144 | 180 611 | 372 640 | 372 640 | 440 482 | 425 784 | Cash after profit and before allocation=53144 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 22 | 69 | 0 | 55 567 | 22 358 | 17 061 | -16 148 | 53 144 | 36 996 | 186 029 | 372 640 | 372 640 | 425 784 | 409 636 | Cash after profit and before allocation=36996 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 23 | 70 | 0 | 57 234 | 22 358 | 17 232 | -17 644 | 36 996 | 19 352 | 191 610 | 372 640 | 372 640 | 409 636 | 391 992 | Cash after profit and before allocation=19352 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 24 | 71 | 0 | 58 951 | 22 358 | 17 404 | -19 189 | 19 352 | 163 | 197 359 | 372 640 | 372 640 | 391 992 | 372 803 | Cash after profit and before allocation=163 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 25 | 72 | 0 | 60 720 | 22 358 | 17 578 | -20 784 | 163 | 0 | 203 279 | 372 640 | 352 019 | 372 803 | 352 019 | Cash after profit and before allocation=-20621 Désinvestissement de -20621 |
| 26 | 73 | 0 | 62 541 | 21 121 | 17 754 | -23 666 | 0 | 0 | 209 378 | 352 019 | 328 353 | 352 019 | 328 353 | Cash after profit and before allocation=-23666 Désinvestissement de -23666 |
| 27 | 74 | 0 | 64 417 | 19 701 | 17 932 | -26 784 | 0 | 0 | 215 659 | 328 353 | 301 569 | 328 353 | 301 569 | Cash after profit and before allocation=-26784 Désinvestissement de -26784 |
| 28 | 75 | 0 | 66 350 | 18 094 | 18 111 | -30 145 | 0 | 0 | 222 129 | 301 569 | 271 424 | 301 569 | 271 424 | Cash after profit and before allocation=-30145 Désinvestissement de -30145 |
| 29 | 76 | 0 | 68 340 | 16 285 | 18 292 | -33 763 | 0 | 0 | 228 793 | 271 424 | 237 661 | 271 424 | 237 661 | Cash after profit and before allocation=-33763 Désinvestissement de -33763 |
| 30 | 77 | 0 | 70 391 | 14 260 | 18 475 | -37 656 | 0 | 0 | 235 657 | 237 661 | 200 005 | 237 661 | 200 005 | Cash after profit and before allocation=-37656 Désinvestissement de -37656 |
| 31 | 78 | 0 | 72 502 | 12 000 | 18 660 | -41 842 | 0 | 0 | 242 726 | 200 005 | 158 163 | 200 005 | 158 163 | Cash after profit and before allocation=-41842 Désinvestissement de -41842 |
| 32 | 79 | 0 | 74 677 | 9 490 | 18 846 | -46 341 | 0 | 0 | 250 008 | 158 163 | 111 822 | 158 163 | 111 822 | Cash after profit and before allocation=-46341 Désinvestissement de -46341 |
| 33 | 80 | 0 | 76 918 | 6 709 | 19 035 | -51 174 | 0 | 0 | 257 508 | 111 822 | 60 648 | 111 822 | 60 648 | Cash after profit and before allocation=-51174 Désinvestissement de -51174 |
| 34 | 81 | 0 | 79 225 | 3 639 | 19 225 | -56 361 | 0 | 0 | 265 234 | 60 648 | 4 287 | 60 648 | 4 287 | Cash after profit and before allocation=-56361 Désinvestissement de -56361 |
| 35 | 82 | 0 | 81 602 | 257 | 19 418 | -61 927 | 0 | 0 | 273 191 | 4 287 | 0 | 4 287 | 0 | Cash after profit and before allocation=-61927 Désinvestissement de -61927 |
| 36 | 83 | 0 | 84 050 | 0 | 19 612 | -64 438 | 0 | 0 | 281 386 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-64438 Désinvestissement de -64438 |
| 37 | 84 | 0 | 86 572 | 0 | 19 808 | -66 764 | 0 | 0 | 289 828 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-66764 Désinvestissement de -66764 |
| 38 | 85 | 0 | 89 169 | 0 | 20 006 | -69 163 | 0 | 0 | 298 523 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-69163 Désinvestissement de -69163 |
| 39 | 86 | 0 | 91 844 | 0 | 20 206 | -71 638 | 0 | 0 | 307 478 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-71638 Désinvestissement de -71638 |
| 40 | 87 | 0 | 94 599 | 0 | 20 408 | -74 191 | 0 | 0 | 316 703 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-74191 Désinvestissement de -74191 |
| 41 | 88 | 0 | 97 437 | 0 | 20 612 | -76 825 | 0 | 0 | 326 204 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-76825 Désinvestissement de -76825 |
| 42 | 89 | 0 | 100 360 | 0 | 20 818 | -79 542 | 0 | 0 | 335 990 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-79542 Désinvestissement de -79542 |
| 43 | 90 | 0 | 103 371 | 0 | 21 026 | -82 345 | 0 | 0 | 346 070 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-82345 Désinvestissement de -82345 |
| 44 | 91 | 0 | 106 472 | 0 | 21 237 | -85 235 | 0 | 0 | 356 452 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-85235 Désinvestissement de -85235 |
| 45 | 92 | 0 | 109 666 | 0 | 21 449 | -88 217 | 0 | 0 | 367 145 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-88217 Désinvestissement de -88217 |
| 46 | 93 | 0 | 112 956 | 0 | 21 664 | -91 292 | 0 | 0 | 378 160 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-91292 Désinvestissement de -91292 |
| 47 | 94 | 0 | 116 345 | 0 | 21 880 | -94 465 | 0 | 0 | 389 504 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-94465 Désinvestissement de -94465 |
| 48 | 95 | 0 | 119 835 | 0 | 22 099 | -97 736 | 0 | 0 | 401 190 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-97736 Désinvestissement de -97736 |
| 49 | 96 | 0 | 123 430 | 0 | 22 320 | -101 110 | 0 | 0 | 413 225 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-101110 Désinvestissement de -101110 |
| 50 | 97 | 0 | 127 133 | 0 | 22 543 | -104 590 | 0 | 0 | 425 622 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-104590 Désinvestissement de -104590 |
| 51 | 98 | 0 | 130 947 | 0 | 22 769 | -108 178 | 0 | 0 | 438 391 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-108178 Désinvestissement de -108178 |
| 52 | 99 | 0 | 134 876 | 0 | 22 996 | -111 880 | 0 | 0 | 451 542 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-111880 Désinvestissement de -111880 |
| 53 | 100 | 0 | 138 922 | 0 | 23 226 | -115 696 | 0 | 0 | 465 089 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-115696 Désinvestissement de -115696 |
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