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 83 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 | 49 | 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 | 50 | 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 | 51 | 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 | 52 | 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 | 53 | 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 | 54 | 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 | 55 | 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 | 56 | 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 | 57 | 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 | 58 | 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 | 59 | 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 | 60 | 55 369 | 42 773 | 20 608 | 15 600 | 48 804 | 134 392 | 138 423 | 138 423 | 343 467 | 388 240 | 477 859 | 526 663 | Cash after profit and before allocation=183196 Réinvestissement de 44773 |
| 13 | 61 | 0 | 42 587 | 23 294 | 15 756 | -3 537 | 138 423 | 134 886 | 142 576 | 388 240 | 388 240 | 526 663 | 523 126 | Cash after profit and before allocation=134886 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 14 | 62 | 0 | 43 865 | 23 294 | 15 914 | -4 657 | 134 886 | 130 229 | 146 853 | 388 240 | 388 240 | 523 126 | 518 469 | Cash after profit and before allocation=130229 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 15 | 63 | 0 | 45 181 | 23 294 | 16 073 | -5 814 | 130 229 | 124 415 | 151 259 | 388 240 | 388 240 | 518 469 | 512 655 | Cash after profit and before allocation=124415 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 16 | 64 | 0 | 46 536 | 23 294 | 16 233 | -7 009 | 124 415 | 117 406 | 155 797 | 388 240 | 388 240 | 512 655 | 505 646 | Cash after profit and before allocation=117406 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 17 | 65 | 0 | 47 933 | 23 294 | 16 396 | -8 243 | 117 406 | 109 163 | 160 471 | 388 240 | 388 240 | 505 646 | 497 403 | Cash after profit and before allocation=109163 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 18 | 66 | 0 | 49 371 | 23 294 | 16 560 | -9 517 | 109 163 | 99 646 | 165 285 | 388 240 | 388 240 | 497 403 | 487 886 | Cash after profit and before allocation=99646 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 19 | 67 | 0 | 50 852 | 23 294 | 16 725 | -10 833 | 99 646 | 88 813 | 170 243 | 388 240 | 388 240 | 487 886 | 477 053 | Cash after profit and before allocation=88813 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 20 | 68 | 0 | 52 377 | 23 294 | 16 893 | -12 190 | 88 813 | 76 623 | 175 351 | 388 240 | 388 240 | 477 053 | 464 863 | Cash after profit and before allocation=76623 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 21 | 69 | 0 | 53 949 | 23 294 | 17 061 | -13 594 | 76 623 | 63 029 | 180 611 | 388 240 | 388 240 | 464 863 | 451 269 | Cash after profit and before allocation=63029 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 22 | 70 | 0 | 55 567 | 23 294 | 17 232 | -15 041 | 63 029 | 47 988 | 186 029 | 388 240 | 388 240 | 451 269 | 436 228 | Cash after profit and before allocation=47988 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 23 | 71 | 0 | 57 234 | 23 294 | 17 404 | -16 536 | 47 988 | 31 452 | 191 610 | 388 240 | 388 240 | 436 228 | 419 692 | Cash after profit and before allocation=31452 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 24 | 72 | 0 | 58 951 | 23 294 | 17 578 | -18 079 | 31 452 | 13 373 | 197 359 | 388 240 | 388 240 | 419 692 | 401 613 | Cash after profit and before allocation=13373 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 25 | 73 | 0 | 60 720 | 23 294 | 17 754 | -19 672 | 13 373 | 0 | 203 279 | 388 240 | 381 941 | 401 613 | 381 941 | Cash after profit and before allocation=-6299 Désinvestissement de -6299 |
| 26 | 74 | 0 | 62 541 | 22 916 | 17 932 | -21 693 | 0 | 0 | 209 378 | 381 941 | 360 248 | 381 941 | 360 248 | Cash after profit and before allocation=-21693 Désinvestissement de -21693 |
| 27 | 75 | 0 | 64 417 | 21 615 | 18 111 | -24 691 | 0 | 0 | 215 659 | 360 248 | 335 557 | 360 248 | 335 557 | Cash after profit and before allocation=-24691 Désinvestissement de -24691 |
| 28 | 76 | 0 | 66 350 | 20 133 | 18 292 | -27 925 | 0 | 0 | 222 129 | 335 557 | 307 632 | 335 557 | 307 632 | Cash after profit and before allocation=-27925 Désinvestissement de -27925 |
| 29 | 77 | 0 | 68 340 | 18 458 | 18 475 | -31 407 | 0 | 0 | 228 793 | 307 632 | 276 225 | 307 632 | 276 225 | Cash after profit and before allocation=-31407 Désinvestissement de -31407 |
| 30 | 78 | 0 | 70 391 | 16 574 | 18 660 | -35 157 | 0 | 0 | 235 657 | 276 225 | 241 068 | 276 225 | 241 068 | Cash after profit and before allocation=-35157 Désinvestissement de -35157 |
| 31 | 79 | 0 | 72 502 | 14 464 | 18 846 | -39 192 | 0 | 0 | 242 726 | 241 068 | 201 876 | 241 068 | 201 876 | Cash after profit and before allocation=-39192 Désinvestissement de -39192 |
| 32 | 80 | 0 | 74 677 | 12 113 | 19 035 | -43 529 | 0 | 0 | 250 008 | 201 876 | 158 347 | 201 876 | 158 347 | Cash after profit and before allocation=-43529 Désinvestissement de -43529 |
| 33 | 81 | 0 | 76 918 | 9 501 | 19 225 | -48 192 | 0 | 0 | 257 508 | 158 347 | 110 155 | 158 347 | 110 155 | Cash after profit and before allocation=-48192 Désinvestissement de -48192 |
| 34 | 82 | 0 | 79 225 | 6 609 | 19 418 | -53 198 | 0 | 0 | 265 234 | 110 155 | 56 957 | 110 155 | 56 957 | Cash after profit and before allocation=-53198 Désinvestissement de -53198 |
| 35 | 83 | 0 | 81 602 | 3 417 | 19 612 | -58 573 | 0 | 0 | 273 191 | 56 957 | 0 | 56 957 | 0 | Cash after profit and before allocation=-58573 Désinvestissement de -58573 |
| 36 | 84 | 0 | 84 050 | 0 | 19 808 | -64 242 | 0 | 0 | 281 386 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-64242 Désinvestissement de -64242 |
| 37 | 85 | 0 | 86 572 | 0 | 20 006 | -66 566 | 0 | 0 | 289 828 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-66566 Désinvestissement de -66566 |
| 38 | 86 | 0 | 89 169 | 0 | 20 206 | -68 963 | 0 | 0 | 298 523 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-68963 Désinvestissement de -68963 |
| 39 | 87 | 0 | 91 844 | 0 | 20 408 | -71 436 | 0 | 0 | 307 478 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-71436 Désinvestissement de -71436 |
| 40 | 88 | 0 | 94 599 | 0 | 20 612 | -73 987 | 0 | 0 | 316 703 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-73987 Désinvestissement de -73987 |
| 41 | 89 | 0 | 97 437 | 0 | 20 818 | -76 619 | 0 | 0 | 326 204 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-76619 Désinvestissement de -76619 |
| 42 | 90 | 0 | 100 360 | 0 | 21 026 | -79 334 | 0 | 0 | 335 990 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-79334 Désinvestissement de -79334 |
| 43 | 91 | 0 | 103 371 | 0 | 21 237 | -82 134 | 0 | 0 | 346 070 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-82134 Désinvestissement de -82134 |
| 44 | 92 | 0 | 106 472 | 0 | 21 449 | -85 023 | 0 | 0 | 356 452 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-85023 Désinvestissement de -85023 |
| 45 | 93 | 0 | 109 666 | 0 | 21 664 | -88 002 | 0 | 0 | 367 145 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-88002 Désinvestissement de -88002 |
| 46 | 94 | 0 | 112 956 | 0 | 21 880 | -91 076 | 0 | 0 | 378 160 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-91076 Désinvestissement de -91076 |
| 47 | 95 | 0 | 116 345 | 0 | 22 099 | -94 246 | 0 | 0 | 389 504 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-94246 Désinvestissement de -94246 |
| 48 | 96 | 0 | 119 835 | 0 | 22 320 | -97 515 | 0 | 0 | 401 190 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-97515 Désinvestissement de -97515 |
| 49 | 97 | 0 | 123 430 | 0 | 22 543 | -100 887 | 0 | 0 | 413 225 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-100887 Désinvestissement de -100887 |
| 50 | 98 | 0 | 127 133 | 0 | 22 769 | -104 364 | 0 | 0 | 425 622 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-104364 Désinvestissement de -104364 |
| 51 | 99 | 0 | 130 947 | 0 | 22 996 | -107 951 | 0 | 0 | 438 391 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-107951 Désinvestissement de -107951 |
| 52 | 100 | 0 | 134 876 | 0 | 23 226 | -111 650 | 0 | 0 | 451 542 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-111650 Désinvestissement de -111650 |
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