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 40M€ Do you really want to be the richest person in the cemetery? You could spend 64,500€ more per year to end up spending everything and leaving nothing behind. That still makes 177€ 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 | 96 000 | 0 | 105 100 | 70 000 | 100 000 | 100 000 | 1 600 000 | 1 675 100 | 1 670 000 | 1 775 100 | Cash after profit and before allocation=175100 Réinvestissement de 75100 |
| 2 | 41 | 41 200 | 31 827 | 100 506 | 0 | 109 879 | 100 000 | 103 000 | 103 000 | 1 675 100 | 1 781 979 | 1 775 100 | 1 884 979 | Cash after profit and before allocation=209879 Réinvestissement de 106879 |
| 3 | 42 | 42 436 | 32 782 | 106 919 | 0 | 116 573 | 103 000 | 106 090 | 106 090 | 1 781 979 | 1 895 462 | 1 884 979 | 2 001 552 | Cash after profit and before allocation=219573 Réinvestissement de 113483 |
| 4 | 43 | 43 709 | 33 765 | 113 728 | 0 | 123 672 | 106 090 | 109 273 | 109 273 | 1 895 462 | 2 015 951 | 2 001 552 | 2 125 224 | Cash after profit and before allocation=229762 Réinvestissement de 120489 |
| 5 | 44 | 45 020 | 34 778 | 120 957 | 0 | 131 199 | 109 273 | 112 551 | 112 551 | 2 015 951 | 2 143 872 | 2 125 224 | 2 256 423 | Cash after profit and before allocation=240472 Réinvestissement de 127921 |
| 6 | 45 | 46 371 | 35 822 | 128 632 | 0 | 139 181 | 112 551 | 115 927 | 115 927 | 2 143 872 | 2 279 677 | 2 256 423 | 2 395 604 | Cash after profit and before allocation=251732 Réinvestissement de 135805 |
| 7 | 46 | 47 762 | 36 896 | 136 781 | 0 | 147 647 | 115 927 | 119 405 | 119 405 | 2 279 677 | 2 423 846 | 2 395 604 | 2 543 251 | Cash after profit and before allocation=263574 Réinvestissement de 144169 |
| 8 | 47 | 49 195 | 38 003 | 145 431 | 0 | 156 623 | 119 405 | 122 987 | 122 987 | 2 423 846 | 2 576 887 | 2 543 251 | 2 699 874 | Cash after profit and before allocation=276028 Réinvestissement de 153041 |
| 9 | 48 | 50 671 | 39 143 | 154 613 | 0 | 166 141 | 122 987 | 126 677 | 126 677 | 2 576 887 | 2 739 338 | 2 699 874 | 2 866 015 | Cash after profit and before allocation=289128 Réinvestissement de 162451 |
| 10 | 49 | 52 191 | 40 317 | 164 360 | 0 | 176 234 | 126 677 | 130 477 | 130 477 | 2 739 338 | 2 911 772 | 2 866 015 | 3 042 249 | Cash after profit and before allocation=302911 Réinvestissement de 172434 |
| 11 | 50 | 53 757 | 41 527 | 174 706 | 0 | 186 936 | 130 477 | 134 392 | 134 392 | 2 911 772 | 3 094 793 | 3 042 249 | 3 229 185 | Cash after profit and before allocation=317413 Réinvestissement de 183021 |
| 12 | 51 | 55 369 | 42 773 | 185 688 | 0 | 198 284 | 134 392 | 138 423 | 138 423 | 3 094 793 | 3 289 046 | 3 229 185 | 3 427 469 | Cash after profit and before allocation=332676 Réinvestissement de 194253 |
| 13 | 52 | 0 | 42 587 | 197 343 | 0 | 154 756 | 138 423 | 142 576 | 142 576 | 3 289 046 | 3 439 649 | 3 427 469 | 3 582 225 | Cash after profit and before allocation=293179 Réinvestissement de 150603 |
| 14 | 53 | 0 | 43 865 | 206 379 | 0 | 162 514 | 142 576 | 146 853 | 146 853 | 3 439 649 | 3 597 886 | 3 582 225 | 3 744 739 | Cash after profit and before allocation=305090 Réinvestissement de 158237 |
| 15 | 54 | 0 | 45 181 | 215 873 | 0 | 170 692 | 146 853 | 151 259 | 151 259 | 3 597 886 | 3 764 172 | 3 744 739 | 3 915 431 | Cash after profit and before allocation=317545 Réinvestissement de 166286 |
| 16 | 55 | 0 | 46 536 | 225 850 | 0 | 179 314 | 151 259 | 155 797 | 155 797 | 3 764 172 | 3 938 948 | 3 915 431 | 4 094 745 | Cash after profit and before allocation=330573 Réinvestissement de 174776 |
| 17 | 56 | 0 | 47 933 | 236 337 | 0 | 188 404 | 155 797 | 160 471 | 160 471 | 3 938 948 | 4 122 678 | 4 094 745 | 4 283 149 | Cash after profit and before allocation=344201 Réinvestissement de 183730 |
| 18 | 57 | 0 | 49 371 | 247 361 | 0 | 197 990 | 160 471 | 165 285 | 165 285 | 4 122 678 | 4 315 854 | 4 283 149 | 4 481 139 | Cash after profit and before allocation=358461 Réinvestissement de 193176 |
| 19 | 58 | 0 | 50 852 | 258 951 | 0 | 208 099 | 165 285 | 170 243 | 170 243 | 4 315 854 | 4 518 995 | 4 481 139 | 4 689 238 | Cash after profit and before allocation=373384 Réinvestissement de 203141 |
| 20 | 59 | 0 | 52 377 | 271 140 | 0 | 218 763 | 170 243 | 175 351 | 175 351 | 4 518 995 | 4 732 650 | 4 689 238 | 4 908 001 | Cash after profit and before allocation=389006 Réinvestissement de 213655 |
| 21 | 60 | 0 | 53 949 | 283 959 | 15 600 | 245 610 | 175 351 | 180 611 | 180 611 | 4 732 650 | 4 973 000 | 4 908 001 | 5 153 611 | Cash after profit and before allocation=420961 Réinvestissement de 240350 |
| 22 | 61 | 0 | 55 567 | 298 380 | 15 756 | 258 569 | 180 611 | 186 029 | 186 029 | 4 973 000 | 5 226 151 | 5 153 611 | 5 412 180 | Cash after profit and before allocation=439180 Réinvestissement de 253151 |
| 23 | 62 | 0 | 57 234 | 313 569 | 15 914 | 272 249 | 186 029 | 191 610 | 191 610 | 5 226 151 | 5 492 819 | 5 412 180 | 5 684 429 | Cash after profit and before allocation=458278 Réinvestissement de 266668 |
| 24 | 63 | 0 | 58 951 | 329 569 | 16 073 | 286 691 | 191 610 | 197 359 | 197 359 | 5 492 819 | 5 773 761 | 5 684 429 | 5 971 120 | Cash after profit and before allocation=478301 Réinvestissement de 280942 |
| 25 | 64 | 0 | 60 720 | 346 426 | 16 233 | 301 939 | 197 359 | 203 279 | 203 279 | 5 773 761 | 6 069 780 | 5 971 120 | 6 273 059 | Cash after profit and before allocation=499298 Réinvestissement de 296019 |
| 26 | 65 | 0 | 62 541 | 364 187 | 16 396 | 318 042 | 203 279 | 209 378 | 209 378 | 6 069 780 | 6 381 723 | 6 273 059 | 6 591 101 | Cash after profit and before allocation=521321 Réinvestissement de 311943 |
| 27 | 66 | 0 | 64 417 | 382 903 | 16 560 | 335 046 | 209 378 | 215 659 | 215 659 | 6 381 723 | 6 710 488 | 6 591 101 | 6 926 147 | Cash after profit and before allocation=544424 Réinvestissement de 328765 |
| 28 | 67 | 0 | 66 350 | 402 629 | 16 725 | 353 004 | 215 659 | 222 129 | 222 129 | 6 710 488 | 7 057 022 | 6 926 147 | 7 279 151 | Cash after profit and before allocation=568663 Réinvestissement de 346534 |
| 29 | 68 | 0 | 68 340 | 423 421 | 16 893 | 371 974 | 222 129 | 228 793 | 228 793 | 7 057 022 | 7 422 332 | 7 279 151 | 7 651 125 | Cash after profit and before allocation=594103 Réinvestissement de 365310 |
| 30 | 69 | 0 | 70 391 | 445 340 | 17 061 | 392 010 | 228 793 | 235 657 | 235 657 | 7 422 332 | 7 807 478 | 7 651 125 | 8 043 135 | Cash after profit and before allocation=620803 Réinvestissement de 385146 |
| 31 | 70 | 0 | 72 502 | 468 449 | 17 232 | 413 179 | 235 657 | 242 726 | 242 726 | 7 807 478 | 8 213 588 | 8 043 135 | 8 456 314 | Cash after profit and before allocation=648836 Réinvestissement de 406110 |
| 32 | 71 | 0 | 74 677 | 492 815 | 17 404 | 435 542 | 242 726 | 250 008 | 250 008 | 8 213 588 | 8 641 848 | 8 456 314 | 8 891 856 | Cash after profit and before allocation=678268 Réinvestissement de 428260 |
| 33 | 72 | 0 | 76 918 | 518 511 | 17 578 | 459 171 | 250 008 | 257 508 | 257 508 | 8 641 848 | 9 093 519 | 8 891 856 | 9 351 027 | Cash after profit and before allocation=709179 Réinvestissement de 451671 |
| 34 | 73 | 0 | 79 225 | 545 611 | 17 754 | 484 140 | 257 508 | 265 234 | 265 234 | 9 093 519 | 9 569 933 | 9 351 027 | 9 835 167 | Cash after profit and before allocation=741648 Réinvestissement de 476414 |
| 35 | 74 | 0 | 81 602 | 574 196 | 17 932 | 510 526 | 265 234 | 273 191 | 273 191 | 9 569 933 | 10 072 502 | 9 835 167 | 10 345 693 | Cash after profit and before allocation=775760 Réinvestissement de 502569 |
| 36 | 75 | 0 | 84 050 | 604 350 | 18 111 | 538 411 | 273 191 | 281 386 | 281 386 | 10 072 502 | 10 602 718 | 10 345 693 | 10 884 104 | Cash after profit and before allocation=811602 Réinvestissement de 530216 |
| 37 | 76 | 0 | 86 572 | 636 163 | 18 292 | 567 883 | 281 386 | 289 828 | 289 828 | 10 602 718 | 11 162 159 | 10 884 104 | 11 451 987 | Cash after profit and before allocation=849269 Réinvestissement de 559441 |
| 38 | 77 | 0 | 89 169 | 669 730 | 18 475 | 599 036 | 289 828 | 298 523 | 298 523 | 11 162 159 | 11 752 500 | 11 451 987 | 12 051 023 | Cash after profit and before allocation=888864 Réinvestissement de 590341 |
| 39 | 78 | 0 | 91 844 | 705 150 | 18 660 | 631 966 | 298 523 | 307 478 | 307 478 | 11 752 500 | 12 375 511 | 12 051 023 | 12 682 989 | Cash after profit and before allocation=930489 Réinvestissement de 623011 |
| 40 | 79 | 0 | 94 599 | 742 531 | 18 846 | 666 778 | 307 478 | 316 703 | 316 703 | 12 375 511 | 13 033 064 | 12 682 989 | 13 349 767 | Cash after profit and before allocation=974256 Réinvestissement de 657553 |
| 41 | 80 | 0 | 97 437 | 781 984 | 19 035 | 703 582 | 316 703 | 326 204 | 326 204 | 13 033 064 | 13 727 145 | 13 349 767 | 14 053 349 | Cash after profit and before allocation=1020285 Réinvestissement de 694081 |
| 42 | 81 | 0 | 100 360 | 823 629 | 19 225 | 742 494 | 326 204 | 335 990 | 335 990 | 13 727 145 | 14 459 853 | 14 053 349 | 14 795 843 | Cash after profit and before allocation=1068698 Réinvestissement de 732708 |
| 43 | 82 | 0 | 103 371 | 867 591 | 19 418 | 783 638 | 335 990 | 346 070 | 346 070 | 14 459 853 | 15 233 411 | 14 795 843 | 15 579 481 | Cash after profit and before allocation=1119628 Réinvestissement de 773558 |
| 44 | 83 | 0 | 106 472 | 914 005 | 19 612 | 827 145 | 346 070 | 356 452 | 356 452 | 15 233 411 | 16 050 174 | 15 579 481 | 16 406 626 | Cash after profit and before allocation=1173215 Réinvestissement de 816763 |
| 45 | 84 | 0 | 109 666 | 963 010 | 19 808 | 873 152 | 356 452 | 367 145 | 367 145 | 16 050 174 | 16 912 633 | 16 406 626 | 17 279 778 | Cash after profit and before allocation=1229604 Réinvestissement de 862459 |
| 46 | 85 | 0 | 112 956 | 1 014 758 | 20 006 | 921 808 | 367 145 | 378 160 | 378 160 | 16 912 633 | 17 823 426 | 17 279 778 | 18 201 586 | Cash after profit and before allocation=1288953 Réinvestissement de 910793 |
| 47 | 86 | 0 | 116 345 | 1 069 406 | 20 206 | 973 267 | 378 160 | 389 504 | 389 504 | 17 823 426 | 18 785 349 | 18 201 586 | 19 174 853 | Cash after profit and before allocation=1351427 Réinvestissement de 961923 |
| 48 | 87 | 0 | 119 835 | 1 127 121 | 20 408 | 1 027 694 | 389 504 | 401 190 | 401 190 | 18 785 349 | 19 801 357 | 19 174 853 | 20 202 547 | Cash after profit and before allocation=1417198 Réinvestissement de 1016008 |
| 49 | 88 | 0 | 123 430 | 1 188 081 | 20 612 | 1 085 263 | 401 190 | 413 225 | 413 225 | 19 801 357 | 20 874 585 | 20 202 547 | 21 287 810 | Cash after profit and before allocation=1486453 Réinvestissement de 1073228 |
| 50 | 89 | 0 | 127 133 | 1 252 475 | 20 818 | 1 146 160 | 413 225 | 425 622 | 425 622 | 20 874 585 | 22 008 348 | 21 287 810 | 22 433 970 | Cash after profit and before allocation=1559385 Réinvestissement de 1133763 |
| 51 | 90 | 0 | 130 947 | 1 320 501 | 21 026 | 1 210 580 | 425 622 | 438 391 | 438 391 | 22 008 348 | 23 206 159 | 22 433 970 | 23 644 550 | Cash after profit and before allocation=1636202 Réinvestissement de 1197811 |
| 52 | 91 | 0 | 134 876 | 1 392 370 | 21 237 | 1 278 731 | 438 391 | 451 542 | 451 542 | 23 206 159 | 24 471 739 | 23 644 550 | 24 923 281 | Cash after profit and before allocation=1717122 Réinvestissement de 1265580 |
| 53 | 92 | 0 | 138 922 | 1 468 304 | 21 449 | 1 350 831 | 451 542 | 465 089 | 465 089 | 24 471 739 | 25 809 023 | 24 923 281 | 26 274 112 | Cash after profit and before allocation=1802373 Réinvestissement de 1337284 |
| 54 | 93 | 0 | 143 090 | 1 548 541 | 21 664 | 1 427 115 | 465 089 | 479 041 | 479 041 | 25 809 023 | 27 222 186 | 26 274 112 | 27 701 227 | Cash after profit and before allocation=1892204 Réinvestissement de 1413163 |
| 55 | 94 | 0 | 147 382 | 1 633 331 | 21 880 | 1 507 829 | 479 041 | 493 412 | 493 412 | 27 222 186 | 28 715 644 | 27 701 227 | 29 209 056 | Cash after profit and before allocation=1986870 Réinvestissement de 1493458 |
| 56 | 95 | 0 | 151 804 | 1 722 939 | 22 099 | 1 593 234 | 493 412 | 508 215 | 508 215 | 28 715 644 | 30 294 075 | 29 209 056 | 30 802 290 | Cash after profit and before allocation=2086646 Réinvestissement de 1578431 |
| 57 | 96 | 0 | 156 358 | 1 817 645 | 22 320 | 1 683 607 | 508 215 | 523 461 | 523 461 | 30 294 075 | 31 962 436 | 30 802 290 | 32 485 897 | Cash after profit and before allocation=2191822 Réinvestissement de 1668361 |
| 58 | 97 | 0 | 161 049 | 1 917 746 | 22 543 | 1 779 240 | 523 461 | 539 165 | 539 165 | 31 962 436 | 33 725 972 | 32 485 897 | 34 265 137 | Cash after profit and before allocation=2302701 Réinvestissement de 1763536 |
| 59 | 98 | 0 | 165 880 | 2 023 558 | 22 769 | 1 880 447 | 539 165 | 555 340 | 555 340 | 33 725 972 | 35 590 244 | 34 265 137 | 36 145 584 | Cash after profit and before allocation=2419612 Réinvestissement de 1864272 |
| 60 | 99 | 0 | 170 856 | 2 135 415 | 22 996 | 1 987 555 | 555 340 | 572 000 | 572 000 | 35 590 244 | 37 561 139 | 36 145 584 | 38 133 139 | Cash after profit and before allocation=2542895 Réinvestissement de 1970895 |
| 61 | 100 | 0 | 175 982 | 2 253 668 | 23 226 | 2 100 912 | 572 000 | 589 160 | 589 160 | 37 561 139 | 39 644 891 | 38 133 139 | 40 234 051 | Cash after profit and before allocation=2672912 Réinvestissement de 2083752 |
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