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 33M€ Do you really want to be the richest person in the cemetery? You could spend 53,500€ more per year to end up spending everything and leaving nothing behind. That still makes 147€ 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 | 84 000 | 0 | 93 100 | 70 000 | 100 000 | 100 000 | 1 400 000 | 1 463 100 | 1 470 000 | 1 563 100 | Cash after profit and before allocation=163100 Réinvestissement de 63100 |
| 2 | 41 | 41 200 | 31 827 | 87 786 | 0 | 97 159 | 100 000 | 103 000 | 103 000 | 1 463 100 | 1 557 259 | 1 563 100 | 1 660 259 | Cash after profit and before allocation=197159 Réinvestissement de 94159 |
| 3 | 42 | 42 436 | 32 782 | 93 436 | 0 | 103 090 | 103 000 | 106 090 | 106 090 | 1 557 259 | 1 657 259 | 1 660 259 | 1 763 349 | Cash after profit and before allocation=206090 Réinvestissement de 100000 |
| 4 | 43 | 43 709 | 33 765 | 99 436 | 0 | 109 380 | 106 090 | 109 273 | 109 273 | 1 657 259 | 1 763 456 | 1 763 349 | 1 872 729 | Cash after profit and before allocation=215470 Réinvestissement de 106197 |
| 5 | 44 | 45 020 | 34 778 | 105 807 | 0 | 116 049 | 109 273 | 112 551 | 112 551 | 1 763 456 | 1 876 227 | 1 872 729 | 1 988 778 | Cash after profit and before allocation=225322 Réinvestissement de 112771 |
| 6 | 45 | 46 371 | 35 822 | 112 574 | 0 | 123 123 | 112 551 | 115 927 | 115 927 | 1 876 227 | 1 995 974 | 1 988 778 | 2 111 901 | Cash after profit and before allocation=235674 Réinvestissement de 119747 |
| 7 | 46 | 47 762 | 36 896 | 119 758 | 0 | 130 624 | 115 927 | 119 405 | 119 405 | 1 995 974 | 2 123 120 | 2 111 901 | 2 242 525 | Cash after profit and before allocation=246551 Réinvestissement de 127146 |
| 8 | 47 | 49 195 | 38 003 | 127 387 | 0 | 138 579 | 119 405 | 122 987 | 122 987 | 2 123 120 | 2 258 117 | 2 242 525 | 2 381 104 | Cash after profit and before allocation=257984 Réinvestissement de 134997 |
| 9 | 48 | 50 671 | 39 143 | 135 487 | 0 | 147 015 | 122 987 | 126 677 | 126 677 | 2 258 117 | 2 401 442 | 2 381 104 | 2 528 119 | Cash after profit and before allocation=270002 Réinvestissement de 143325 |
| 10 | 49 | 52 191 | 40 317 | 144 087 | 0 | 155 961 | 126 677 | 130 477 | 130 477 | 2 401 442 | 2 553 603 | 2 528 119 | 2 684 080 | Cash after profit and before allocation=282638 Réinvestissement de 152161 |
| 11 | 50 | 53 757 | 41 527 | 153 216 | 0 | 165 446 | 130 477 | 134 392 | 134 392 | 2 553 603 | 2 715 134 | 2 684 080 | 2 849 526 | Cash after profit and before allocation=295923 Réinvestissement de 161531 |
| 12 | 51 | 55 369 | 42 773 | 162 908 | 0 | 175 504 | 134 392 | 138 423 | 138 423 | 2 715 134 | 2 886 607 | 2 849 526 | 3 025 030 | Cash after profit and before allocation=309896 Réinvestissement de 171473 |
| 13 | 52 | 0 | 42 587 | 173 196 | 0 | 130 609 | 138 423 | 142 576 | 142 576 | 2 886 607 | 3 013 063 | 3 025 030 | 3 155 639 | Cash after profit and before allocation=269032 Réinvestissement de 126456 |
| 14 | 53 | 0 | 43 865 | 180 784 | 0 | 136 919 | 142 576 | 146 853 | 146 853 | 3 013 063 | 3 145 705 | 3 155 639 | 3 292 558 | Cash after profit and before allocation=279495 Réinvestissement de 132642 |
| 15 | 54 | 0 | 45 181 | 188 742 | 0 | 143 561 | 146 853 | 151 259 | 151 259 | 3 145 705 | 3 284 860 | 3 292 558 | 3 436 119 | Cash after profit and before allocation=290414 Réinvestissement de 139155 |
| 16 | 55 | 0 | 46 536 | 197 092 | 0 | 150 556 | 151 259 | 155 797 | 155 797 | 3 284 860 | 3 430 878 | 3 436 119 | 3 586 675 | Cash after profit and before allocation=301815 Réinvestissement de 146018 |
| 17 | 56 | 0 | 47 933 | 205 853 | 0 | 157 920 | 155 797 | 160 471 | 160 471 | 3 430 878 | 3 584 124 | 3 586 675 | 3 744 595 | Cash after profit and before allocation=313717 Réinvestissement de 153246 |
| 18 | 57 | 0 | 49 371 | 215 047 | 0 | 165 676 | 160 471 | 165 285 | 165 285 | 3 584 124 | 3 744 986 | 3 744 595 | 3 910 271 | Cash after profit and before allocation=326147 Réinvestissement de 160862 |
| 19 | 58 | 0 | 50 852 | 224 699 | 0 | 173 847 | 165 285 | 170 243 | 170 243 | 3 744 986 | 3 913 875 | 3 910 271 | 4 084 118 | Cash after profit and before allocation=339132 Réinvestissement de 168889 |
| 20 | 59 | 0 | 52 377 | 234 833 | 0 | 182 456 | 170 243 | 175 351 | 175 351 | 3 913 875 | 4 091 223 | 4 084 118 | 4 266 574 | Cash after profit and before allocation=352699 Réinvestissement de 177348 |
| 21 | 60 | 0 | 53 949 | 245 473 | 15 600 | 207 124 | 175 351 | 180 611 | 180 611 | 4 091 223 | 4 293 087 | 4 266 574 | 4 473 698 | Cash after profit and before allocation=382475 Réinvestissement de 201864 |
| 22 | 61 | 0 | 55 567 | 257 585 | 15 756 | 217 774 | 180 611 | 186 029 | 186 029 | 4 293 087 | 4 505 443 | 4 473 698 | 4 691 472 | Cash after profit and before allocation=398385 Réinvestissement de 212356 |
| 23 | 62 | 0 | 57 234 | 270 327 | 15 914 | 229 007 | 186 029 | 191 610 | 191 610 | 4 505 443 | 4 728 869 | 4 691 472 | 4 920 479 | Cash after profit and before allocation=415036 Réinvestissement de 223426 |
| 24 | 63 | 0 | 58 951 | 283 732 | 16 073 | 240 854 | 191 610 | 197 359 | 197 359 | 4 728 869 | 4 963 974 | 4 920 479 | 5 161 333 | Cash after profit and before allocation=432464 Réinvestissement de 235105 |
| 25 | 64 | 0 | 60 720 | 297 838 | 16 233 | 253 351 | 197 359 | 203 279 | 203 279 | 4 963 974 | 5 211 405 | 5 161 333 | 5 414 684 | Cash after profit and before allocation=450710 Réinvestissement de 247431 |
| 26 | 65 | 0 | 62 541 | 312 684 | 16 396 | 266 539 | 203 279 | 209 378 | 209 378 | 5 211 405 | 5 471 845 | 5 414 684 | 5 681 223 | Cash after profit and before allocation=469818 Réinvestissement de 260440 |
| 27 | 66 | 0 | 64 417 | 328 311 | 16 560 | 280 454 | 209 378 | 215 659 | 215 659 | 5 471 845 | 5 746 018 | 5 681 223 | 5 961 677 | Cash after profit and before allocation=489832 Réinvestissement de 274173 |
| 28 | 67 | 0 | 66 350 | 344 761 | 16 725 | 295 136 | 215 659 | 222 129 | 222 129 | 5 746 018 | 6 034 684 | 5 961 677 | 6 256 813 | Cash after profit and before allocation=510795 Réinvestissement de 288666 |
| 29 | 68 | 0 | 68 340 | 362 081 | 16 893 | 310 634 | 222 129 | 228 793 | 228 793 | 6 034 684 | 6 338 654 | 6 256 813 | 6 567 447 | Cash after profit and before allocation=532763 Réinvestissement de 303970 |
| 30 | 69 | 0 | 70 391 | 380 319 | 17 061 | 326 989 | 228 793 | 235 657 | 235 657 | 6 338 654 | 6 658 779 | 6 567 447 | 6 894 436 | Cash after profit and before allocation=555782 Réinvestissement de 320125 |
| 31 | 70 | 0 | 72 502 | 399 527 | 17 232 | 344 257 | 235 657 | 242 726 | 242 726 | 6 658 779 | 6 995 967 | 6 894 436 | 7 238 693 | Cash after profit and before allocation=579914 Réinvestissement de 337188 |
| 32 | 71 | 0 | 74 677 | 419 758 | 17 404 | 362 485 | 242 726 | 250 008 | 250 008 | 6 995 967 | 7 351 170 | 7 238 693 | 7 601 178 | Cash after profit and before allocation=605211 Réinvestissement de 355203 |
| 33 | 72 | 0 | 76 918 | 441 070 | 17 578 | 381 730 | 250 008 | 257 508 | 257 508 | 7 351 170 | 7 725 400 | 7 601 178 | 7 982 908 | Cash after profit and before allocation=631738 Réinvestissement de 374230 |
| 34 | 73 | 0 | 79 225 | 463 524 | 17 754 | 402 053 | 257 508 | 265 234 | 265 234 | 7 725 400 | 8 119 727 | 7 982 908 | 8 384 961 | Cash after profit and before allocation=659561 Réinvestissement de 394327 |
| 35 | 74 | 0 | 81 602 | 487 184 | 17 932 | 423 514 | 265 234 | 273 191 | 273 191 | 8 119 727 | 8 535 284 | 8 384 961 | 8 808 475 | Cash after profit and before allocation=688748 Réinvestissement de 415557 |
| 36 | 75 | 0 | 84 050 | 512 117 | 18 111 | 446 178 | 273 191 | 281 386 | 281 386 | 8 535 284 | 8 973 267 | 8 808 475 | 9 254 653 | Cash after profit and before allocation=719369 Réinvestissement de 437983 |
| 37 | 76 | 0 | 86 572 | 538 396 | 18 292 | 470 116 | 281 386 | 289 828 | 289 828 | 8 973 267 | 9 434 941 | 9 254 653 | 9 724 769 | Cash after profit and before allocation=751502 Réinvestissement de 461674 |
| 38 | 77 | 0 | 89 169 | 566 096 | 18 475 | 495 402 | 289 828 | 298 523 | 298 523 | 9 434 941 | 9 921 648 | 9 724 769 | 10 220 171 | Cash after profit and before allocation=785230 Réinvestissement de 486707 |
| 39 | 78 | 0 | 91 844 | 595 299 | 18 660 | 522 115 | 298 523 | 307 478 | 307 478 | 9 921 648 | 10 434 808 | 10 220 171 | 10 742 286 | Cash after profit and before allocation=820638 Réinvestissement de 513160 |
| 40 | 79 | 0 | 94 599 | 626 088 | 18 846 | 550 335 | 307 478 | 316 703 | 316 703 | 10 434 808 | 10 975 918 | 10 742 286 | 11 292 621 | Cash after profit and before allocation=857813 Réinvestissement de 541110 |
| 41 | 80 | 0 | 97 437 | 658 555 | 19 035 | 580 153 | 316 703 | 326 204 | 326 204 | 10 975 918 | 11 546 570 | 11 292 621 | 11 872 774 | Cash after profit and before allocation=896856 Réinvestissement de 570652 |
| 42 | 81 | 0 | 100 360 | 692 794 | 19 225 | 611 659 | 326 204 | 335 990 | 335 990 | 11 546 570 | 12 148 443 | 11 872 774 | 12 484 433 | Cash after profit and before allocation=937863 Réinvestissement de 601873 |
| 43 | 82 | 0 | 103 371 | 728 907 | 19 418 | 644 954 | 335 990 | 346 070 | 346 070 | 12 148 443 | 12 783 317 | 12 484 433 | 13 129 387 | Cash after profit and before allocation=980944 Réinvestissement de 634874 |
| 44 | 83 | 0 | 106 472 | 766 999 | 19 612 | 680 139 | 346 070 | 356 452 | 356 452 | 12 783 317 | 13 453 074 | 13 129 387 | 13 809 526 | Cash after profit and before allocation=1026209 Réinvestissement de 669757 |
| 45 | 84 | 0 | 109 666 | 807 184 | 19 808 | 717 326 | 356 452 | 367 145 | 367 145 | 13 453 074 | 14 159 707 | 13 809 526 | 14 526 852 | Cash after profit and before allocation=1073778 Réinvestissement de 706633 |
| 46 | 85 | 0 | 112 956 | 849 582 | 20 006 | 756 632 | 367 145 | 378 160 | 378 160 | 14 159 707 | 14 905 324 | 14 526 852 | 15 283 484 | Cash after profit and before allocation=1123777 Réinvestissement de 745617 |
| 47 | 86 | 0 | 116 345 | 894 319 | 20 206 | 798 180 | 378 160 | 389 504 | 389 504 | 14 905 324 | 15 692 160 | 15 283 484 | 16 081 664 | Cash after profit and before allocation=1176340 Réinvestissement de 786836 |
| 48 | 87 | 0 | 119 835 | 941 530 | 20 408 | 842 103 | 389 504 | 401 190 | 401 190 | 15 692 160 | 16 522 577 | 16 081 664 | 16 923 767 | Cash after profit and before allocation=1231607 Réinvestissement de 830417 |
| 49 | 88 | 0 | 123 430 | 991 355 | 20 612 | 888 537 | 401 190 | 413 225 | 413 225 | 16 522 577 | 17 399 079 | 16 923 767 | 17 812 304 | Cash after profit and before allocation=1289727 Réinvestissement de 876502 |
| 50 | 89 | 0 | 127 133 | 1 043 945 | 20 818 | 937 630 | 413 225 | 425 622 | 425 622 | 17 399 079 | 18 324 312 | 17 812 304 | 18 749 934 | Cash after profit and before allocation=1350855 Réinvestissement de 925233 |
| 51 | 90 | 0 | 130 947 | 1 099 459 | 21 026 | 989 538 | 425 622 | 438 391 | 438 391 | 18 324 312 | 19 301 081 | 18 749 934 | 19 739 472 | Cash after profit and before allocation=1415160 Réinvestissement de 976769 |
| 52 | 91 | 0 | 134 876 | 1 158 065 | 21 237 | 1 044 426 | 438 391 | 451 542 | 451 542 | 19 301 081 | 20 332 356 | 19 739 472 | 20 783 898 | Cash after profit and before allocation=1482817 Réinvestissement de 1031275 |
| 53 | 92 | 0 | 138 922 | 1 219 941 | 21 449 | 1 102 468 | 451 542 | 465 089 | 465 089 | 20 332 356 | 21 421 277 | 20 783 898 | 21 886 366 | Cash after profit and before allocation=1554010 Réinvestissement de 1088921 |
| 54 | 93 | 0 | 143 090 | 1 285 277 | 21 664 | 1 163 851 | 465 089 | 479 041 | 479 041 | 21 421 277 | 22 571 176 | 21 886 366 | 23 050 217 | Cash after profit and before allocation=1628940 Réinvestissement de 1149899 |
| 55 | 94 | 0 | 147 382 | 1 354 271 | 21 880 | 1 228 769 | 479 041 | 493 412 | 493 412 | 22 571 176 | 23 785 574 | 23 050 217 | 24 278 986 | Cash after profit and before allocation=1707810 Réinvestissement de 1214398 |
| 56 | 95 | 0 | 151 804 | 1 427 134 | 22 099 | 1 297 429 | 493 412 | 508 215 | 508 215 | 23 785 574 | 25 068 200 | 24 278 986 | 25 576 415 | Cash after profit and before allocation=1790841 Réinvestissement de 1282626 |
| 57 | 96 | 0 | 156 358 | 1 504 092 | 22 320 | 1 370 054 | 508 215 | 523 461 | 523 461 | 25 068 200 | 26 423 008 | 25 576 415 | 26 946 469 | Cash after profit and before allocation=1878269 Réinvestissement de 1354808 |
| 58 | 97 | 0 | 161 049 | 1 585 380 | 22 543 | 1 446 874 | 523 461 | 539 165 | 539 165 | 26 423 008 | 27 854 178 | 26 946 469 | 28 393 343 | Cash after profit and before allocation=1970335 Réinvestissement de 1431170 |
| 59 | 98 | 0 | 165 880 | 1 671 251 | 22 769 | 1 528 140 | 539 165 | 555 340 | 555 340 | 27 854 178 | 29 366 143 | 28 393 343 | 29 921 483 | Cash after profit and before allocation=2067305 Réinvestissement de 1511965 |
| 60 | 99 | 0 | 170 856 | 1 761 969 | 22 996 | 1 614 109 | 555 340 | 572 000 | 572 000 | 29 366 143 | 30 963 592 | 29 921 483 | 31 535 592 | Cash after profit and before allocation=2169449 Réinvestissement de 1597449 |
| 61 | 100 | 0 | 175 982 | 1 857 816 | 23 226 | 1 705 060 | 572 000 | 589 160 | 589 160 | 30 963 592 | 32 651 492 | 31 535 592 | 33 240 652 | Cash after profit and before allocation=2277060 Réinvestissement de 1687900 |
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