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 30M€ Do you really want to be the richest person in the cemetery? You could spend 48,000€ more per year to end up spending everything and leaving nothing behind. That still makes 132€ 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 | 78 000 | 0 | 87 100 | 70 000 | 100 000 | 100 000 | 1 300 000 | 1 357 100 | 1 370 000 | 1 457 100 | Cash after profit and before allocation=157100 Réinvestissement de 57100 |
| 2 | 41 | 41 200 | 31 827 | 81 426 | 0 | 90 799 | 100 000 | 103 000 | 103 000 | 1 357 100 | 1 444 899 | 1 457 100 | 1 547 899 | Cash after profit and before allocation=190799 Réinvestissement de 87799 |
| 3 | 42 | 42 436 | 32 782 | 86 694 | 0 | 96 348 | 103 000 | 106 090 | 106 090 | 1 444 899 | 1 538 157 | 1 547 899 | 1 644 247 | Cash after profit and before allocation=199348 Réinvestissement de 93258 |
| 4 | 43 | 43 709 | 33 765 | 92 289 | 0 | 102 233 | 106 090 | 109 273 | 109 273 | 1 538 157 | 1 637 207 | 1 644 247 | 1 746 480 | Cash after profit and before allocation=208323 Réinvestissement de 99050 |
| 5 | 44 | 45 020 | 34 778 | 98 232 | 0 | 108 474 | 109 273 | 112 551 | 112 551 | 1 637 207 | 1 742 403 | 1 746 480 | 1 854 954 | Cash after profit and before allocation=217747 Réinvestissement de 105196 |
| 6 | 45 | 46 371 | 35 822 | 104 544 | 0 | 115 093 | 112 551 | 115 927 | 115 927 | 1 742 403 | 1 854 120 | 1 854 954 | 1 970 047 | Cash after profit and before allocation=227644 Réinvestissement de 111717 |
| 7 | 46 | 47 762 | 36 896 | 111 247 | 0 | 122 113 | 115 927 | 119 405 | 119 405 | 1 854 120 | 1 972 755 | 1 970 047 | 2 092 160 | Cash after profit and before allocation=238040 Réinvestissement de 118635 |
| 8 | 47 | 49 195 | 38 003 | 118 365 | 0 | 129 557 | 119 405 | 122 987 | 122 987 | 1 972 755 | 2 098 730 | 2 092 160 | 2 221 717 | Cash after profit and before allocation=248962 Réinvestissement de 125975 |
| 9 | 48 | 50 671 | 39 143 | 125 924 | 0 | 137 452 | 122 987 | 126 677 | 126 677 | 2 098 730 | 2 232 492 | 2 221 717 | 2 359 169 | Cash after profit and before allocation=260439 Réinvestissement de 133762 |
| 10 | 49 | 52 191 | 40 317 | 133 950 | 0 | 145 824 | 126 677 | 130 477 | 130 477 | 2 232 492 | 2 374 516 | 2 359 169 | 2 504 993 | Cash after profit and before allocation=272501 Réinvestissement de 142024 |
| 11 | 50 | 53 757 | 41 527 | 142 471 | 0 | 154 701 | 130 477 | 134 392 | 134 392 | 2 374 516 | 2 525 302 | 2 504 993 | 2 659 694 | Cash after profit and before allocation=285178 Réinvestissement de 150786 |
| 12 | 51 | 55 369 | 42 773 | 151 518 | 0 | 164 114 | 134 392 | 138 423 | 138 423 | 2 525 302 | 2 685 385 | 2 659 694 | 2 823 808 | Cash after profit and before allocation=298506 Réinvestissement de 160083 |
| 13 | 52 | 0 | 42 587 | 161 123 | 0 | 118 536 | 138 423 | 142 576 | 142 576 | 2 685 385 | 2 799 768 | 2 823 808 | 2 942 344 | Cash after profit and before allocation=256959 Réinvestissement de 114383 |
| 14 | 53 | 0 | 43 865 | 167 986 | 0 | 124 121 | 142 576 | 146 853 | 146 853 | 2 799 768 | 2 919 612 | 2 942 344 | 3 066 465 | Cash after profit and before allocation=266697 Réinvestissement de 119844 |
| 15 | 54 | 0 | 45 181 | 175 177 | 0 | 129 996 | 146 853 | 151 259 | 151 259 | 2 919 612 | 3 045 202 | 3 066 465 | 3 196 461 | Cash after profit and before allocation=276849 Réinvestissement de 125590 |
| 16 | 55 | 0 | 46 536 | 182 712 | 0 | 136 176 | 151 259 | 155 797 | 155 797 | 3 045 202 | 3 176 840 | 3 196 461 | 3 332 637 | Cash after profit and before allocation=287435 Réinvestissement de 131638 |
| 17 | 56 | 0 | 47 933 | 190 610 | 0 | 142 677 | 155 797 | 160 471 | 160 471 | 3 176 840 | 3 314 843 | 3 332 637 | 3 475 314 | Cash after profit and before allocation=298474 Réinvestissement de 138003 |
| 18 | 57 | 0 | 49 371 | 198 891 | 0 | 149 520 | 160 471 | 165 285 | 165 285 | 3 314 843 | 3 459 549 | 3 475 314 | 3 624 834 | Cash after profit and before allocation=309991 Réinvestissement de 144706 |
| 19 | 58 | 0 | 50 852 | 207 573 | 0 | 156 721 | 165 285 | 170 243 | 170 243 | 3 459 549 | 3 611 312 | 3 624 834 | 3 781 555 | Cash after profit and before allocation=322006 Réinvestissement de 151763 |
| 20 | 59 | 0 | 52 377 | 216 679 | 0 | 164 302 | 170 243 | 175 351 | 175 351 | 3 611 312 | 3 770 506 | 3 781 555 | 3 945 857 | Cash after profit and before allocation=334545 Réinvestissement de 159194 |
| 21 | 60 | 0 | 53 949 | 226 230 | 15 600 | 187 881 | 175 351 | 180 611 | 180 611 | 3 770 506 | 3 953 127 | 3 945 857 | 4 133 738 | Cash after profit and before allocation=363232 Réinvestissement de 182621 |
| 22 | 61 | 0 | 55 567 | 237 188 | 15 756 | 197 377 | 180 611 | 186 029 | 186 029 | 3 953 127 | 4 145 086 | 4 133 738 | 4 331 115 | Cash after profit and before allocation=377988 Réinvestissement de 191959 |
| 23 | 62 | 0 | 57 234 | 248 705 | 15 914 | 207 385 | 186 029 | 191 610 | 191 610 | 4 145 086 | 4 346 890 | 4 331 115 | 4 538 500 | Cash after profit and before allocation=393414 Réinvestissement de 201804 |
| 24 | 63 | 0 | 58 951 | 260 813 | 16 073 | 217 935 | 191 610 | 197 359 | 197 359 | 4 346 890 | 4 559 076 | 4 538 500 | 4 756 435 | Cash after profit and before allocation=409545 Réinvestissement de 212186 |
| 25 | 64 | 0 | 60 720 | 273 545 | 16 233 | 229 058 | 197 359 | 203 279 | 203 279 | 4 559 076 | 4 782 214 | 4 756 435 | 4 985 493 | Cash after profit and before allocation=426417 Réinvestissement de 223138 |
| 26 | 65 | 0 | 62 541 | 286 933 | 16 396 | 240 788 | 203 279 | 209 378 | 209 378 | 4 782 214 | 5 016 903 | 4 985 493 | 5 226 281 | Cash after profit and before allocation=444067 Réinvestissement de 234689 |
| 27 | 66 | 0 | 64 417 | 301 014 | 16 560 | 253 157 | 209 378 | 215 659 | 215 659 | 5 016 903 | 5 263 779 | 5 226 281 | 5 479 438 | Cash after profit and before allocation=462535 Réinvestissement de 246876 |
| 28 | 67 | 0 | 66 350 | 315 827 | 16 725 | 266 202 | 215 659 | 222 129 | 222 129 | 5 263 779 | 5 523 511 | 5 479 438 | 5 745 640 | Cash after profit and before allocation=481861 Réinvestissement de 259732 |
| 29 | 68 | 0 | 68 340 | 331 411 | 16 893 | 279 964 | 222 129 | 228 793 | 228 793 | 5 523 511 | 5 796 811 | 5 745 640 | 6 025 604 | Cash after profit and before allocation=502093 Réinvestissement de 273300 |
| 30 | 69 | 0 | 70 391 | 347 809 | 17 061 | 294 479 | 228 793 | 235 657 | 235 657 | 5 796 811 | 6 084 426 | 6 025 604 | 6 320 083 | Cash after profit and before allocation=523272 Réinvestissement de 287615 |
| 31 | 70 | 0 | 72 502 | 365 066 | 17 232 | 309 796 | 235 657 | 242 726 | 242 726 | 6 084 426 | 6 387 153 | 6 320 083 | 6 629 879 | Cash after profit and before allocation=545453 Réinvestissement de 302727 |
| 32 | 71 | 0 | 74 677 | 383 229 | 17 404 | 325 956 | 242 726 | 250 008 | 250 008 | 6 387 153 | 6 705 827 | 6 629 879 | 6 955 835 | Cash after profit and before allocation=568682 Réinvestissement de 318674 |
| 33 | 72 | 0 | 76 918 | 402 350 | 17 578 | 343 010 | 250 008 | 257 508 | 257 508 | 6 705 827 | 7 041 337 | 6 955 835 | 7 298 845 | Cash after profit and before allocation=593018 Réinvestissement de 335510 |
| 34 | 73 | 0 | 79 225 | 422 480 | 17 754 | 361 009 | 257 508 | 265 234 | 265 234 | 7 041 337 | 7 394 620 | 7 298 845 | 7 659 854 | Cash after profit and before allocation=618517 Réinvestissement de 353283 |
| 35 | 74 | 0 | 81 602 | 443 677 | 17 932 | 380 007 | 265 234 | 273 191 | 273 191 | 7 394 620 | 7 766 670 | 7 659 854 | 8 039 861 | Cash after profit and before allocation=645241 Réinvestissement de 372050 |
| 36 | 75 | 0 | 84 050 | 466 000 | 18 111 | 400 061 | 273 191 | 281 386 | 281 386 | 7 766 670 | 8 158 536 | 8 039 861 | 8 439 922 | Cash after profit and before allocation=673252 Réinvestissement de 391866 |
| 37 | 76 | 0 | 86 572 | 489 512 | 18 292 | 421 232 | 281 386 | 289 828 | 289 828 | 8 158 536 | 8 571 326 | 8 439 922 | 8 861 154 | Cash after profit and before allocation=702618 Réinvestissement de 412790 |
| 38 | 77 | 0 | 89 169 | 514 280 | 18 475 | 443 586 | 289 828 | 298 523 | 298 523 | 8 571 326 | 9 006 217 | 8 861 154 | 9 304 740 | Cash after profit and before allocation=733414 Réinvestissement de 434891 |
| 39 | 78 | 0 | 91 844 | 540 373 | 18 660 | 467 189 | 298 523 | 307 478 | 307 478 | 9 006 217 | 9 464 451 | 9 304 740 | 9 771 929 | Cash after profit and before allocation=765712 Réinvestissement de 458234 |
| 40 | 79 | 0 | 94 599 | 567 867 | 18 846 | 492 114 | 307 478 | 316 703 | 316 703 | 9 464 451 | 9 947 340 | 9 771 929 | 10 264 043 | Cash after profit and before allocation=799592 Réinvestissement de 482889 |
| 41 | 80 | 0 | 97 437 | 596 840 | 19 035 | 518 438 | 316 703 | 326 204 | 326 204 | 9 947 340 | 10 456 277 | 10 264 043 | 10 782 481 | Cash after profit and before allocation=835141 Réinvestissement de 508937 |
| 42 | 81 | 0 | 100 360 | 627 377 | 19 225 | 546 242 | 326 204 | 335 990 | 335 990 | 10 456 277 | 10 992 733 | 10 782 481 | 11 328 723 | Cash after profit and before allocation=872446 Réinvestissement de 536456 |
| 43 | 82 | 0 | 103 371 | 659 564 | 19 418 | 575 611 | 335 990 | 346 070 | 346 070 | 10 992 733 | 11 558 264 | 11 328 723 | 11 904 334 | Cash after profit and before allocation=911601 Réinvestissement de 565531 |
| 44 | 83 | 0 | 106 472 | 693 496 | 19 612 | 606 636 | 346 070 | 356 452 | 356 452 | 11 558 264 | 12 154 518 | 11 904 334 | 12 510 970 | Cash after profit and before allocation=952706 Réinvestissement de 596254 |
| 45 | 84 | 0 | 109 666 | 729 271 | 19 808 | 639 413 | 356 452 | 367 145 | 367 145 | 12 154 518 | 12 783 238 | 12 510 970 | 13 150 383 | Cash after profit and before allocation=995865 Réinvestissement de 628720 |
| 46 | 85 | 0 | 112 956 | 766 994 | 20 006 | 674 044 | 367 145 | 378 160 | 378 160 | 12 783 238 | 13 446 267 | 13 150 383 | 13 824 427 | Cash after profit and before allocation=1041189 Réinvestissement de 663029 |
| 47 | 86 | 0 | 116 345 | 806 776 | 20 206 | 710 637 | 378 160 | 389 504 | 389 504 | 13 446 267 | 14 145 560 | 13 824 427 | 14 535 064 | Cash after profit and before allocation=1088797 Réinvestissement de 699293 |
| 48 | 87 | 0 | 119 835 | 848 734 | 20 408 | 749 307 | 389 504 | 401 190 | 401 190 | 14 145 560 | 14 883 181 | 14 535 064 | 15 284 371 | Cash after profit and before allocation=1138811 Réinvestissement de 737621 |
| 49 | 88 | 0 | 123 430 | 892 991 | 20 612 | 790 173 | 401 190 | 413 225 | 413 225 | 14 883 181 | 15 661 319 | 15 284 371 | 16 074 544 | Cash after profit and before allocation=1191363 Réinvestissement de 778138 |
| 50 | 89 | 0 | 127 133 | 939 679 | 20 818 | 833 364 | 413 225 | 425 622 | 425 622 | 15 661 319 | 16 482 286 | 16 074 544 | 16 907 908 | Cash after profit and before allocation=1246589 Réinvestissement de 820967 |
| 51 | 90 | 0 | 130 947 | 988 937 | 21 026 | 879 016 | 425 622 | 438 391 | 438 391 | 16 482 286 | 17 348 533 | 16 907 908 | 17 786 924 | Cash after profit and before allocation=1304638 Réinvestissement de 866247 |
| 52 | 91 | 0 | 134 876 | 1 040 912 | 21 237 | 927 273 | 438 391 | 451 542 | 451 542 | 17 348 533 | 18 262 655 | 17 786 924 | 18 714 197 | Cash after profit and before allocation=1365664 Réinvestissement de 914122 |
| 53 | 92 | 0 | 138 922 | 1 095 759 | 21 449 | 978 286 | 451 542 | 465 089 | 465 089 | 18 262 655 | 19 227 394 | 18 714 197 | 19 692 483 | Cash after profit and before allocation=1429828 Réinvestissement de 964739 |
| 54 | 93 | 0 | 143 090 | 1 153 644 | 21 664 | 1 032 218 | 465 089 | 479 041 | 479 041 | 19 227 394 | 20 245 660 | 19 692 483 | 20 724 701 | Cash after profit and before allocation=1497307 Réinvestissement de 1018266 |
| 55 | 94 | 0 | 147 382 | 1 214 740 | 21 880 | 1 089 238 | 479 041 | 493 412 | 493 412 | 20 245 660 | 21 320 527 | 20 724 701 | 21 813 939 | Cash after profit and before allocation=1568279 Réinvestissement de 1074867 |
| 56 | 95 | 0 | 151 804 | 1 279 232 | 22 099 | 1 149 527 | 493 412 | 508 215 | 508 215 | 21 320 527 | 22 455 251 | 21 813 939 | 22 963 466 | Cash after profit and before allocation=1642939 Réinvestissement de 1134724 |
| 57 | 96 | 0 | 156 358 | 1 347 315 | 22 320 | 1 213 277 | 508 215 | 523 461 | 523 461 | 22 455 251 | 23 653 282 | 22 963 466 | 24 176 743 | Cash after profit and before allocation=1721492 Réinvestissement de 1198031 |
| 58 | 97 | 0 | 161 049 | 1 419 197 | 22 543 | 1 280 691 | 523 461 | 539 165 | 539 165 | 23 653 282 | 24 918 269 | 24 176 743 | 25 457 434 | Cash after profit and before allocation=1804152 Réinvestissement de 1264987 |
| 59 | 98 | 0 | 165 880 | 1 495 096 | 22 769 | 1 351 985 | 539 165 | 555 340 | 555 340 | 24 918 269 | 26 254 079 | 25 457 434 | 26 809 419 | Cash after profit and before allocation=1891150 Réinvestissement de 1335810 |
| 60 | 99 | 0 | 170 856 | 1 575 245 | 22 996 | 1 427 385 | 555 340 | 572 000 | 572 000 | 26 254 079 | 27 664 804 | 26 809 419 | 28 236 804 | Cash after profit and before allocation=1982725 Réinvestissement de 1410725 |
| 61 | 100 | 0 | 175 982 | 1 659 888 | 23 226 | 1 507 132 | 572 000 | 589 160 | 589 160 | 27 664 804 | 29 154 776 | 28 236 804 | 29 743 936 | Cash after profit and before allocation=2079132 Réinvestissement de 1489972 |
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