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 37M€ Do you really want to be the richest person in the cemetery? You could spend 59,000€ more per year to end up spending everything and leaving nothing behind. That still makes 162€ 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 | 90 000 | 0 | 99 100 | 70 000 | 100 000 | 100 000 | 1 500 000 | 1 569 100 | 1 570 000 | 1 669 100 | Cash after profit and before allocation=169100 Réinvestissement de 69100 |
| 2 | 41 | 41 200 | 31 827 | 94 146 | 0 | 103 519 | 100 000 | 103 000 | 103 000 | 1 569 100 | 1 669 619 | 1 669 100 | 1 772 619 | Cash after profit and before allocation=203519 Réinvestissement de 100519 |
| 3 | 42 | 42 436 | 32 782 | 100 177 | 0 | 109 831 | 103 000 | 106 090 | 106 090 | 1 669 619 | 1 776 360 | 1 772 619 | 1 882 450 | Cash after profit and before allocation=212831 Réinvestissement de 106741 |
| 4 | 43 | 43 709 | 33 765 | 106 582 | 0 | 116 526 | 106 090 | 109 273 | 109 273 | 1 776 360 | 1 889 703 | 1 882 450 | 1 998 976 | Cash after profit and before allocation=222616 Réinvestissement de 113343 |
| 5 | 44 | 45 020 | 34 778 | 113 382 | 0 | 123 624 | 109 273 | 112 551 | 112 551 | 1 889 703 | 2 010 049 | 1 998 976 | 2 122 600 | Cash after profit and before allocation=232897 Réinvestissement de 120346 |
| 6 | 45 | 46 371 | 35 822 | 120 603 | 0 | 131 152 | 112 551 | 115 927 | 115 927 | 2 010 049 | 2 137 825 | 2 122 600 | 2 253 752 | Cash after profit and before allocation=243703 Réinvestissement de 127776 |
| 7 | 46 | 47 762 | 36 896 | 128 270 | 0 | 139 136 | 115 927 | 119 405 | 119 405 | 2 137 825 | 2 273 483 | 2 253 752 | 2 392 888 | Cash after profit and before allocation=255063 Réinvestissement de 135658 |
| 8 | 47 | 49 195 | 38 003 | 136 409 | 0 | 147 601 | 119 405 | 122 987 | 122 987 | 2 273 483 | 2 417 502 | 2 392 888 | 2 540 489 | Cash after profit and before allocation=267006 Réinvestissement de 144019 |
| 9 | 48 | 50 671 | 39 143 | 145 050 | 0 | 156 578 | 122 987 | 126 677 | 126 677 | 2 417 502 | 2 570 390 | 2 540 489 | 2 697 067 | Cash after profit and before allocation=279565 Réinvestissement de 152888 |
| 10 | 49 | 52 191 | 40 317 | 154 223 | 0 | 166 097 | 126 677 | 130 477 | 130 477 | 2 570 390 | 2 732 687 | 2 697 067 | 2 863 164 | Cash after profit and before allocation=292774 Réinvestissement de 162297 |
| 11 | 50 | 53 757 | 41 527 | 163 961 | 0 | 176 191 | 130 477 | 134 392 | 134 392 | 2 732 687 | 2 904 963 | 2 863 164 | 3 039 355 | Cash after profit and before allocation=306668 Réinvestissement de 172276 |
| 12 | 51 | 55 369 | 42 773 | 174 298 | 0 | 186 894 | 134 392 | 138 423 | 138 423 | 2 904 963 | 3 087 826 | 3 039 355 | 3 226 249 | Cash after profit and before allocation=321286 Réinvestissement de 182863 |
| 13 | 52 | 0 | 42 587 | 185 270 | 0 | 142 683 | 138 423 | 142 576 | 142 576 | 3 087 826 | 3 226 356 | 3 226 249 | 3 368 932 | Cash after profit and before allocation=281106 Réinvestissement de 138530 |
| 14 | 53 | 0 | 43 865 | 193 581 | 0 | 149 716 | 142 576 | 146 853 | 146 853 | 3 226 356 | 3 371 795 | 3 368 932 | 3 518 648 | Cash after profit and before allocation=292292 Réinvestissement de 145439 |
| 15 | 54 | 0 | 45 181 | 202 308 | 0 | 157 127 | 146 853 | 151 259 | 151 259 | 3 371 795 | 3 524 516 | 3 518 648 | 3 675 775 | Cash after profit and before allocation=303980 Réinvestissement de 152721 |
| 16 | 55 | 0 | 46 536 | 211 471 | 0 | 164 935 | 151 259 | 155 797 | 155 797 | 3 524 516 | 3 684 913 | 3 675 775 | 3 840 710 | Cash after profit and before allocation=316194 Réinvestissement de 160397 |
| 17 | 56 | 0 | 47 933 | 221 095 | 0 | 173 162 | 155 797 | 160 471 | 160 471 | 3 684 913 | 3 853 401 | 3 840 710 | 4 013 872 | Cash after profit and before allocation=328959 Réinvestissement de 168488 |
| 18 | 57 | 0 | 49 371 | 231 204 | 0 | 181 833 | 160 471 | 165 285 | 165 285 | 3 853 401 | 4 030 420 | 4 013 872 | 4 195 705 | Cash after profit and before allocation=342304 Réinvestissement de 177019 |
| 19 | 58 | 0 | 50 852 | 241 825 | 0 | 190 973 | 165 285 | 170 243 | 170 243 | 4 030 420 | 4 216 435 | 4 195 705 | 4 386 678 | Cash after profit and before allocation=356258 Réinvestissement de 186015 |
| 20 | 59 | 0 | 52 377 | 252 986 | 0 | 200 609 | 170 243 | 175 351 | 175 351 | 4 216 435 | 4 411 936 | 4 386 678 | 4 587 287 | Cash after profit and before allocation=370852 Réinvestissement de 195501 |
| 21 | 60 | 0 | 53 949 | 264 716 | 15 600 | 226 367 | 175 351 | 180 611 | 180 611 | 4 411 936 | 4 633 043 | 4 587 287 | 4 813 654 | Cash after profit and before allocation=401718 Réinvestissement de 221107 |
| 22 | 61 | 0 | 55 567 | 277 983 | 15 756 | 238 172 | 180 611 | 186 029 | 186 029 | 4 633 043 | 4 865 797 | 4 813 654 | 5 051 826 | Cash after profit and before allocation=418783 Réinvestissement de 232754 |
| 23 | 62 | 0 | 57 234 | 291 948 | 15 914 | 250 628 | 186 029 | 191 610 | 191 610 | 4 865 797 | 5 110 844 | 5 051 826 | 5 302 454 | Cash after profit and before allocation=436657 Réinvestissement de 245047 |
| 24 | 63 | 0 | 58 951 | 306 651 | 16 073 | 263 773 | 191 610 | 197 359 | 197 359 | 5 110 844 | 5 368 868 | 5 302 454 | 5 566 227 | Cash after profit and before allocation=455383 Réinvestissement de 258024 |
| 25 | 64 | 0 | 60 720 | 322 132 | 16 233 | 277 645 | 197 359 | 203 279 | 203 279 | 5 368 868 | 5 640 593 | 5 566 227 | 5 843 872 | Cash after profit and before allocation=475004 Réinvestissement de 271725 |
| 26 | 65 | 0 | 62 541 | 338 436 | 16 396 | 292 291 | 203 279 | 209 378 | 209 378 | 5 640 593 | 5 926 785 | 5 843 872 | 6 136 163 | Cash after profit and before allocation=495570 Réinvestissement de 286192 |
| 27 | 66 | 0 | 64 417 | 355 607 | 16 560 | 307 750 | 209 378 | 215 659 | 215 659 | 5 926 785 | 6 228 254 | 6 136 163 | 6 443 913 | Cash after profit and before allocation=517128 Réinvestissement de 301469 |
| 28 | 67 | 0 | 66 350 | 373 695 | 16 725 | 324 070 | 215 659 | 222 129 | 222 129 | 6 228 254 | 6 545 854 | 6 443 913 | 6 767 983 | Cash after profit and before allocation=539729 Réinvestissement de 317600 |
| 29 | 68 | 0 | 68 340 | 392 751 | 16 893 | 341 304 | 222 129 | 228 793 | 228 793 | 6 545 854 | 6 880 494 | 6 767 983 | 7 109 287 | Cash after profit and before allocation=563433 Réinvestissement de 334640 |
| 30 | 69 | 0 | 70 391 | 412 830 | 17 061 | 359 500 | 228 793 | 235 657 | 235 657 | 6 880 494 | 7 233 130 | 7 109 287 | 7 468 787 | Cash after profit and before allocation=588293 Réinvestissement de 352636 |
| 31 | 70 | 0 | 72 502 | 433 988 | 17 232 | 378 718 | 235 657 | 242 726 | 242 726 | 7 233 130 | 7 604 779 | 7 468 787 | 7 847 505 | Cash after profit and before allocation=614375 Réinvestissement de 371649 |
| 32 | 71 | 0 | 74 677 | 456 287 | 17 404 | 399 014 | 242 726 | 250 008 | 250 008 | 7 604 779 | 7 996 511 | 7 847 505 | 8 246 519 | Cash after profit and before allocation=641740 Réinvestissement de 391732 |
| 33 | 72 | 0 | 76 918 | 479 791 | 17 578 | 420 451 | 250 008 | 257 508 | 257 508 | 7 996 511 | 8 409 462 | 8 246 519 | 8 666 970 | Cash after profit and before allocation=670459 Réinvestissement de 412951 |
| 34 | 73 | 0 | 79 225 | 504 568 | 17 754 | 443 097 | 257 508 | 265 234 | 265 234 | 8 409 462 | 8 844 833 | 8 666 970 | 9 110 067 | Cash after profit and before allocation=700605 Réinvestissement de 435371 |
| 35 | 74 | 0 | 81 602 | 530 690 | 17 932 | 467 020 | 265 234 | 273 191 | 273 191 | 8 844 833 | 9 303 896 | 9 110 067 | 9 577 087 | Cash after profit and before allocation=732254 Réinvestissement de 459063 |
| 36 | 75 | 0 | 84 050 | 558 234 | 18 111 | 492 295 | 273 191 | 281 386 | 281 386 | 9 303 896 | 9 787 996 | 9 577 087 | 10 069 382 | Cash after profit and before allocation=765486 Réinvestissement de 484100 |
| 37 | 76 | 0 | 86 572 | 587 280 | 18 292 | 519 000 | 281 386 | 289 828 | 289 828 | 9 787 996 | 10 298 554 | 10 069 382 | 10 588 382 | Cash after profit and before allocation=800386 Réinvestissement de 510558 |
| 38 | 77 | 0 | 89 169 | 617 913 | 18 475 | 547 219 | 289 828 | 298 523 | 298 523 | 10 298 554 | 10 837 078 | 10 588 382 | 11 135 601 | Cash after profit and before allocation=837047 Réinvestissement de 538524 |
| 39 | 78 | 0 | 91 844 | 650 225 | 18 660 | 577 041 | 298 523 | 307 478 | 307 478 | 10 837 078 | 11 405 164 | 11 135 601 | 11 712 642 | Cash after profit and before allocation=875564 Réinvestissement de 568086 |
| 40 | 79 | 0 | 94 599 | 684 310 | 18 846 | 608 557 | 307 478 | 316 703 | 316 703 | 11 405 164 | 12 004 496 | 11 712 642 | 12 321 199 | Cash after profit and before allocation=916035 Réinvestissement de 599332 |
| 41 | 80 | 0 | 97 437 | 720 270 | 19 035 | 641 868 | 316 703 | 326 204 | 326 204 | 12 004 496 | 12 636 863 | 12 321 199 | 12 963 067 | Cash after profit and before allocation=958571 Réinvestissement de 632367 |
| 42 | 81 | 0 | 100 360 | 758 212 | 19 225 | 677 077 | 326 204 | 335 990 | 335 990 | 12 636 863 | 13 304 154 | 12 963 067 | 13 640 144 | Cash after profit and before allocation=1003281 Réinvestissement de 667291 |
| 43 | 82 | 0 | 103 371 | 798 249 | 19 418 | 714 296 | 335 990 | 346 070 | 346 070 | 13 304 154 | 14 008 370 | 13 640 144 | 14 354 440 | Cash after profit and before allocation=1050286 Réinvestissement de 704216 |
| 44 | 83 | 0 | 106 472 | 840 502 | 19 612 | 753 642 | 346 070 | 356 452 | 356 452 | 14 008 370 | 14 751 630 | 14 354 440 | 15 108 082 | Cash after profit and before allocation=1099712 Réinvestissement de 743260 |
| 45 | 84 | 0 | 109 666 | 885 098 | 19 808 | 795 240 | 356 452 | 367 145 | 367 145 | 14 751 630 | 15 536 177 | 15 108 082 | 15 903 322 | Cash after profit and before allocation=1151692 Réinvestissement de 784547 |
| 46 | 85 | 0 | 112 956 | 932 171 | 20 006 | 839 221 | 367 145 | 378 160 | 378 160 | 15 536 177 | 16 364 383 | 15 903 322 | 16 742 543 | Cash after profit and before allocation=1206366 Réinvestissement de 828206 |
| 47 | 86 | 0 | 116 345 | 981 863 | 20 206 | 885 724 | 378 160 | 389 504 | 389 504 | 16 364 383 | 17 238 763 | 16 742 543 | 17 628 267 | Cash after profit and before allocation=1263884 Réinvestissement de 874380 |
| 48 | 87 | 0 | 119 835 | 1 034 326 | 20 408 | 934 899 | 389 504 | 401 190 | 401 190 | 17 238 763 | 18 161 976 | 17 628 267 | 18 563 166 | Cash after profit and before allocation=1324403 Réinvestissement de 923213 |
| 49 | 88 | 0 | 123 430 | 1 089 719 | 20 612 | 986 901 | 401 190 | 413 225 | 413 225 | 18 161 976 | 19 136 842 | 18 563 166 | 19 550 067 | Cash after profit and before allocation=1388091 Réinvestissement de 974866 |
| 50 | 89 | 0 | 127 133 | 1 148 211 | 20 818 | 1 041 896 | 413 225 | 425 622 | 425 622 | 19 136 842 | 20 166 341 | 19 550 067 | 20 591 963 | Cash after profit and before allocation=1455121 Réinvestissement de 1029499 |
| 51 | 90 | 0 | 130 947 | 1 209 980 | 21 026 | 1 100 059 | 425 622 | 438 391 | 438 391 | 20 166 341 | 21 253 631 | 20 591 963 | 21 692 022 | Cash after profit and before allocation=1525681 Réinvestissement de 1087290 |
| 52 | 91 | 0 | 134 876 | 1 275 218 | 21 237 | 1 161 579 | 438 391 | 451 542 | 451 542 | 21 253 631 | 22 402 059 | 21 692 022 | 22 853 601 | Cash after profit and before allocation=1599970 Réinvestissement de 1148428 |
| 53 | 92 | 0 | 138 922 | 1 344 124 | 21 449 | 1 226 651 | 451 542 | 465 089 | 465 089 | 22 402 059 | 23 615 163 | 22 853 601 | 24 080 252 | Cash after profit and before allocation=1678193 Réinvestissement de 1213104 |
| 54 | 93 | 0 | 143 090 | 1 416 910 | 21 664 | 1 295 484 | 465 089 | 479 041 | 479 041 | 23 615 163 | 24 896 695 | 24 080 252 | 25 375 736 | Cash after profit and before allocation=1760573 Réinvestissement de 1281532 |
| 55 | 94 | 0 | 147 382 | 1 493 802 | 21 880 | 1 368 300 | 479 041 | 493 412 | 493 412 | 24 896 695 | 26 250 624 | 25 375 736 | 26 744 036 | Cash after profit and before allocation=1847341 Réinvestissement de 1353929 |
| 56 | 95 | 0 | 151 804 | 1 575 037 | 22 099 | 1 445 332 | 493 412 | 508 215 | 508 215 | 26 250 624 | 27 681 153 | 26 744 036 | 28 189 368 | Cash after profit and before allocation=1938744 Réinvestissement de 1430529 |
| 57 | 96 | 0 | 156 358 | 1 660 869 | 22 320 | 1 526 831 | 508 215 | 523 461 | 523 461 | 27 681 153 | 29 192 738 | 28 189 368 | 29 716 199 | Cash after profit and before allocation=2035046 Réinvestissement de 1511585 |
| 58 | 97 | 0 | 161 049 | 1 751 564 | 22 543 | 1 613 058 | 523 461 | 539 165 | 539 165 | 29 192 738 | 30 790 092 | 29 716 199 | 31 329 257 | Cash after profit and before allocation=2136519 Réinvestissement de 1597354 |
| 59 | 98 | 0 | 165 880 | 1 847 406 | 22 769 | 1 704 295 | 539 165 | 555 340 | 555 340 | 30 790 092 | 32 478 212 | 31 329 257 | 33 033 552 | Cash after profit and before allocation=2243460 Réinvestissement de 1688120 |
| 60 | 99 | 0 | 170 856 | 1 948 693 | 22 996 | 1 800 833 | 555 340 | 572 000 | 572 000 | 32 478 212 | 34 262 385 | 33 033 552 | 34 834 385 | Cash after profit and before allocation=2356173 Réinvestissement de 1784173 |
| 61 | 100 | 0 | 175 982 | 2 055 743 | 23 226 | 1 902 987 | 572 000 | 589 160 | 589 160 | 34 262 385 | 36 148 212 | 34 834 385 | 36 737 372 | Cash after profit and before allocation=2474987 Réinvestissement de 1885827 |
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