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.
✅ Your plan to become a rentier is viable.
➡️ You could spend more! You'll end up at 100 years old with a fortune of 26M€ Do you really want to be the richest person in the cemetery? You could spend 42,500€ more per year to end up spending everything and leaving nothing behind. That still makes 116€ more per day.
| 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 | 40 | 40 000 | 30 900 | 72 000 | 0 | 81 100 | 70 000 | 100 000 | 100 000 | 1 200 000 | 1 251 100 | 1 270 000 | 1 351 100 | Cash after profit and before allocation=151100 Réinvestissement de 51100 |
| 2 | 41 | 41 200 | 31 827 | 75 066 | 0 | 84 439 | 100 000 | 103 000 | 103 000 | 1 251 100 | 1 332 539 | 1 351 100 | 1 435 539 | Cash after profit and before allocation=184439 Réinvestissement de 81439 |
| 3 | 42 | 42 436 | 32 782 | 79 952 | 0 | 89 606 | 103 000 | 106 090 | 106 090 | 1 332 539 | 1 419 055 | 1 435 539 | 1 525 145 | Cash after profit and before allocation=192606 Réinvestissement de 86516 |
| 4 | 43 | 43 709 | 33 765 | 85 143 | 0 | 95 087 | 106 090 | 109 273 | 109 273 | 1 419 055 | 1 510 959 | 1 525 145 | 1 620 232 | Cash after profit and before allocation=201177 Réinvestissement de 91904 |
| 5 | 44 | 45 020 | 34 778 | 90 658 | 0 | 100 900 | 109 273 | 112 551 | 112 551 | 1 510 959 | 1 608 581 | 1 620 232 | 1 721 132 | Cash after profit and before allocation=210173 Réinvestissement de 97622 |
| 6 | 45 | 46 371 | 35 822 | 96 515 | 0 | 107 064 | 112 551 | 115 927 | 115 927 | 1 608 581 | 1 712 269 | 1 721 132 | 1 828 196 | Cash after profit and before allocation=219615 Réinvestissement de 103688 |
| 7 | 46 | 47 762 | 36 896 | 102 736 | 0 | 113 602 | 115 927 | 119 405 | 119 405 | 1 712 269 | 1 822 393 | 1 828 196 | 1 941 798 | Cash after profit and before allocation=229529 Réinvestissement de 110124 |
| 8 | 47 | 49 195 | 38 003 | 109 344 | 0 | 120 536 | 119 405 | 122 987 | 122 987 | 1 822 393 | 1 939 347 | 1 941 798 | 2 062 334 | Cash after profit and before allocation=239941 Réinvestissement de 116954 |
| 9 | 48 | 50 671 | 39 143 | 116 361 | 0 | 127 889 | 122 987 | 126 677 | 126 677 | 1 939 347 | 2 063 546 | 2 062 334 | 2 190 223 | Cash after profit and before allocation=250876 Réinvestissement de 124199 |
| 10 | 49 | 52 191 | 40 317 | 123 813 | 0 | 135 687 | 126 677 | 130 477 | 130 477 | 2 063 546 | 2 195 433 | 2 190 223 | 2 325 910 | Cash after profit and before allocation=262364 Réinvestissement de 131887 |
| 11 | 50 | 53 757 | 41 527 | 131 726 | 0 | 143 956 | 130 477 | 134 392 | 134 392 | 2 195 433 | 2 335 474 | 2 325 910 | 2 469 866 | Cash after profit and before allocation=274433 Réinvestissement de 140041 |
| 12 | 51 | 55 369 | 42 773 | 140 128 | 0 | 152 724 | 134 392 | 138 423 | 138 423 | 2 335 474 | 2 484 167 | 2 469 866 | 2 622 590 | Cash after profit and before allocation=287116 Réinvestissement de 148693 |
| 13 | 52 | 0 | 42 587 | 149 050 | 0 | 106 463 | 138 423 | 142 576 | 142 576 | 2 484 167 | 2 586 477 | 2 622 590 | 2 729 053 | Cash after profit and before allocation=244886 Réinvestissement de 102310 |
| 14 | 53 | 0 | 43 865 | 155 189 | 0 | 111 324 | 142 576 | 146 853 | 146 853 | 2 586 477 | 2 693 524 | 2 729 053 | 2 840 377 | Cash after profit and before allocation=253900 Réinvestissement de 107047 |
| 15 | 54 | 0 | 45 181 | 161 611 | 0 | 116 430 | 146 853 | 151 259 | 151 259 | 2 693 524 | 2 805 548 | 2 840 377 | 2 956 807 | Cash after profit and before allocation=263283 Réinvestissement de 112024 |
| 16 | 55 | 0 | 46 536 | 168 333 | 0 | 121 797 | 151 259 | 155 797 | 155 797 | 2 805 548 | 2 922 807 | 2 956 807 | 3 078 604 | Cash after profit and before allocation=273056 Réinvestissement de 117259 |
| 17 | 56 | 0 | 47 933 | 175 368 | 0 | 127 435 | 155 797 | 160 471 | 160 471 | 2 922 807 | 3 045 568 | 3 078 604 | 3 206 039 | Cash after profit and before allocation=283232 Réinvestissement de 122761 |
| 18 | 57 | 0 | 49 371 | 182 734 | 0 | 133 363 | 160 471 | 165 285 | 165 285 | 3 045 568 | 3 174 117 | 3 206 039 | 3 339 402 | Cash after profit and before allocation=293834 Réinvestissement de 128549 |
| 19 | 58 | 0 | 50 852 | 190 447 | 0 | 139 595 | 165 285 | 170 243 | 170 243 | 3 174 117 | 3 308 754 | 3 339 402 | 3 478 997 | Cash after profit and before allocation=304880 Réinvestissement de 134637 |
| 20 | 59 | 0 | 52 377 | 198 525 | 0 | 146 148 | 170 243 | 175 351 | 175 351 | 3 308 754 | 3 449 794 | 3 478 997 | 3 625 145 | Cash after profit and before allocation=316391 Réinvestissement de 141040 |
| 21 | 60 | 0 | 53 949 | 206 988 | 15 600 | 168 639 | 175 351 | 180 611 | 180 611 | 3 449 794 | 3 613 173 | 3 625 145 | 3 793 784 | Cash after profit and before allocation=343990 Réinvestissement de 163379 |
| 22 | 61 | 0 | 55 567 | 216 790 | 15 756 | 176 979 | 180 611 | 186 029 | 186 029 | 3 613 173 | 3 784 734 | 3 793 784 | 3 970 763 | Cash after profit and before allocation=357590 Réinvestissement de 171561 |
| 23 | 62 | 0 | 57 234 | 227 084 | 15 914 | 185 764 | 186 029 | 191 610 | 191 610 | 3 784 734 | 3 964 917 | 3 970 763 | 4 156 527 | Cash after profit and before allocation=371793 Réinvestissement de 180183 |
| 24 | 63 | 0 | 58 951 | 237 895 | 16 073 | 195 017 | 191 610 | 197 359 | 197 359 | 3 964 917 | 4 154 185 | 4 156 527 | 4 351 544 | Cash after profit and before allocation=386627 Réinvestissement de 189268 |
| 25 | 64 | 0 | 60 720 | 249 251 | 16 233 | 204 764 | 197 359 | 203 279 | 203 279 | 4 154 185 | 4 353 029 | 4 351 544 | 4 556 308 | Cash after profit and before allocation=402123 Réinvestissement de 198844 |
| 26 | 65 | 0 | 62 541 | 261 182 | 16 396 | 215 037 | 203 279 | 209 378 | 209 378 | 4 353 029 | 4 561 967 | 4 556 308 | 4 771 345 | Cash after profit and before allocation=418316 Réinvestissement de 208938 |
| 27 | 66 | 0 | 64 417 | 273 718 | 16 560 | 225 861 | 209 378 | 215 659 | 215 659 | 4 561 967 | 4 781 547 | 4 771 345 | 4 997 206 | Cash after profit and before allocation=435239 Réinvestissement de 219580 |
| 28 | 67 | 0 | 66 350 | 286 893 | 16 725 | 237 268 | 215 659 | 222 129 | 222 129 | 4 781 547 | 5 012 345 | 4 997 206 | 5 234 474 | Cash after profit and before allocation=452927 Réinvestissement de 230798 |
| 29 | 68 | 0 | 68 340 | 300 741 | 16 893 | 249 294 | 222 129 | 228 793 | 228 793 | 5 012 345 | 5 254 975 | 5 234 474 | 5 483 768 | Cash after profit and before allocation=471423 Réinvestissement de 242630 |
| 30 | 69 | 0 | 70 391 | 315 299 | 17 061 | 261 969 | 228 793 | 235 657 | 235 657 | 5 254 975 | 5 510 080 | 5 483 768 | 5 745 737 | Cash after profit and before allocation=490762 Réinvestissement de 255105 |
| 31 | 70 | 0 | 72 502 | 330 605 | 17 232 | 275 335 | 235 657 | 242 726 | 242 726 | 5 510 080 | 5 778 346 | 5 745 737 | 6 021 072 | Cash after profit and before allocation=510992 Réinvestissement de 268266 |
| 32 | 71 | 0 | 74 677 | 346 701 | 17 404 | 289 428 | 242 726 | 250 008 | 250 008 | 5 778 346 | 6 060 492 | 6 021 072 | 6 310 500 | Cash after profit and before allocation=532154 Réinvestissement de 282146 |
| 33 | 72 | 0 | 76 918 | 363 630 | 17 578 | 304 290 | 250 008 | 257 508 | 257 508 | 6 060 492 | 6 357 282 | 6 310 500 | 6 614 790 | Cash after profit and before allocation=554298 Réinvestissement de 296790 |
| 34 | 73 | 0 | 79 225 | 381 437 | 17 754 | 319 966 | 257 508 | 265 234 | 265 234 | 6 357 282 | 6 669 522 | 6 614 790 | 6 934 756 | Cash after profit and before allocation=577474 Réinvestissement de 312240 |
| 35 | 74 | 0 | 81 602 | 400 171 | 17 932 | 336 501 | 265 234 | 273 191 | 273 191 | 6 669 522 | 6 998 066 | 6 934 756 | 7 271 257 | Cash after profit and before allocation=601735 Réinvestissement de 328544 |
| 36 | 75 | 0 | 84 050 | 419 884 | 18 111 | 353 945 | 273 191 | 281 386 | 281 386 | 6 998 066 | 7 343 816 | 7 271 257 | 7 625 202 | Cash after profit and before allocation=627136 Réinvestissement de 345750 |
| 37 | 76 | 0 | 86 572 | 440 629 | 18 292 | 372 349 | 281 386 | 289 828 | 289 828 | 7 343 816 | 7 707 723 | 7 625 202 | 7 997 551 | Cash after profit and before allocation=653735 Réinvestissement de 363907 |
| 38 | 77 | 0 | 89 169 | 462 463 | 18 475 | 391 769 | 289 828 | 298 523 | 298 523 | 7 707 723 | 8 090 797 | 7 997 551 | 8 389 320 | Cash after profit and before allocation=681597 Réinvestissement de 383074 |
| 39 | 78 | 0 | 91 844 | 485 448 | 18 660 | 412 264 | 298 523 | 307 478 | 307 478 | 8 090 797 | 8 494 106 | 8 389 320 | 8 801 584 | Cash after profit and before allocation=710787 Réinvestissement de 403309 |
| 40 | 79 | 0 | 94 599 | 509 646 | 18 846 | 433 893 | 307 478 | 316 703 | 316 703 | 8 494 106 | 8 918 774 | 8 801 584 | 9 235 477 | Cash after profit and before allocation=741371 Réinvestissement de 424668 |
| 41 | 80 | 0 | 97 437 | 535 126 | 19 035 | 456 724 | 316 703 | 326 204 | 326 204 | 8 918 774 | 9 365 997 | 9 235 477 | 9 692 201 | Cash after profit and before allocation=773427 Réinvestissement de 447223 |
| 42 | 81 | 0 | 100 360 | 561 960 | 19 225 | 480 825 | 326 204 | 335 990 | 335 990 | 9 365 997 | 9 837 036 | 9 692 201 | 10 173 026 | Cash after profit and before allocation=807029 Réinvestissement de 471039 |
| 43 | 82 | 0 | 103 371 | 590 222 | 19 418 | 506 269 | 335 990 | 346 070 | 346 070 | 9 837 036 | 10 333 225 | 10 173 026 | 10 679 295 | Cash after profit and before allocation=842259 Réinvestissement de 496189 |
| 44 | 83 | 0 | 106 472 | 619 994 | 19 612 | 533 134 | 346 070 | 356 452 | 356 452 | 10 333 225 | 10 855 977 | 10 679 295 | 11 212 429 | Cash after profit and before allocation=879204 Réinvestissement de 522752 |
| 45 | 84 | 0 | 109 666 | 651 359 | 19 808 | 561 501 | 356 452 | 367 145 | 367 145 | 10 855 977 | 11 406 785 | 11 212 429 | 11 773 930 | Cash after profit and before allocation=917953 Réinvestissement de 550808 |
| 46 | 85 | 0 | 112 956 | 684 407 | 20 006 | 591 457 | 367 145 | 378 160 | 378 160 | 11 406 785 | 11 987 227 | 11 773 930 | 12 365 387 | Cash after profit and before allocation=958602 Réinvestissement de 580442 |
| 47 | 86 | 0 | 116 345 | 719 234 | 20 206 | 623 095 | 378 160 | 389 504 | 389 504 | 11 987 227 | 12 598 978 | 12 365 387 | 12 988 482 | Cash after profit and before allocation=1001255 Réinvestissement de 611751 |
| 48 | 87 | 0 | 119 835 | 755 939 | 20 408 | 656 512 | 389 504 | 401 190 | 401 190 | 12 598 978 | 13 243 804 | 12 988 482 | 13 644 994 | Cash after profit and before allocation=1046016 Réinvestissement de 644826 |
| 49 | 88 | 0 | 123 430 | 794 628 | 20 612 | 691 810 | 401 190 | 413 225 | 413 225 | 13 243 804 | 13 923 579 | 13 644 994 | 14 336 804 | Cash after profit and before allocation=1093000 Réinvestissement de 679775 |
| 50 | 89 | 0 | 127 133 | 835 415 | 20 818 | 729 100 | 413 225 | 425 622 | 425 622 | 13 923 579 | 14 640 282 | 14 336 804 | 15 065 904 | Cash after profit and before allocation=1142325 Réinvestissement de 716703 |
| 51 | 90 | 0 | 130 947 | 878 417 | 21 026 | 768 496 | 425 622 | 438 391 | 438 391 | 14 640 282 | 15 396 009 | 15 065 904 | 15 834 400 | Cash after profit and before allocation=1194118 Réinvestissement de 755727 |
| 52 | 91 | 0 | 134 876 | 923 761 | 21 237 | 810 122 | 438 391 | 451 542 | 451 542 | 15 396 009 | 16 192 980 | 15 834 400 | 16 644 522 | Cash after profit and before allocation=1248513 Réinvestissement de 796971 |
| 53 | 92 | 0 | 138 922 | 971 579 | 21 449 | 854 106 | 451 542 | 465 089 | 465 089 | 16 192 980 | 17 033 539 | 16 644 522 | 17 498 628 | Cash after profit and before allocation=1305648 Réinvestissement de 840559 |
| 54 | 93 | 0 | 143 090 | 1 022 012 | 21 664 | 900 586 | 465 089 | 479 041 | 479 041 | 17 033 539 | 17 920 173 | 17 498 628 | 18 399 214 | Cash after profit and before allocation=1365675 Réinvestissement de 886634 |
| 55 | 94 | 0 | 147 382 | 1 075 210 | 21 880 | 949 708 | 479 041 | 493 412 | 493 412 | 17 920 173 | 18 855 510 | 18 399 214 | 19 348 922 | Cash after profit and before allocation=1428749 Réinvestissement de 935337 |
| 56 | 95 | 0 | 151 804 | 1 131 331 | 22 099 | 1 001 626 | 493 412 | 508 215 | 508 215 | 18 855 510 | 19 842 333 | 19 348 922 | 20 350 548 | Cash after profit and before allocation=1495038 Réinvestissement de 986823 |
| 57 | 96 | 0 | 156 358 | 1 190 540 | 22 320 | 1 056 502 | 508 215 | 523 461 | 523 461 | 19 842 333 | 20 883 589 | 20 350 548 | 21 407 050 | Cash after profit and before allocation=1564717 Réinvestissement de 1041256 |
| 58 | 97 | 0 | 161 049 | 1 253 015 | 22 543 | 1 114 509 | 523 461 | 539 165 | 539 165 | 20 883 589 | 21 982 394 | 21 407 050 | 22 521 559 | Cash after profit and before allocation=1637970 Réinvestissement de 1098805 |
| 59 | 98 | 0 | 165 880 | 1 318 944 | 22 769 | 1 175 833 | 539 165 | 555 340 | 555 340 | 21 982 394 | 23 142 052 | 22 521 559 | 23 697 392 | Cash after profit and before allocation=1714998 Réinvestissement de 1159658 |
| 60 | 99 | 0 | 170 856 | 1 388 523 | 22 996 | 1 240 663 | 555 340 | 572 000 | 572 000 | 23 142 052 | 24 366 055 | 23 697 392 | 24 938 055 | Cash after profit and before allocation=1796003 Réinvestissement de 1224003 |
| 61 | 100 | 0 | 175 982 | 1 461 963 | 23 226 | 1 309 207 | 572 000 | 589 160 | 589 160 | 24 366 055 | 25 658 102 | 24 938 055 | 26 247 262 | Cash after profit and before allocation=1881207 Réinvestissement de 1292047 |
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