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 44M€ Do you really want to be the richest person in the cemetery? You could spend 69,500€ more per year to end up spending everything and leaving nothing behind. That still makes 190€ 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 | 102 000 | 0 | 111 100 | 70 000 | 100 000 | 100 000 | 1 700 000 | 1 781 100 | 1 770 000 | 1 881 100 | Cash after profit and before allocation=181100 Réinvestissement de 81100 |
| 2 | 41 | 41 200 | 31 827 | 106 866 | 0 | 116 239 | 100 000 | 103 000 | 103 000 | 1 781 100 | 1 894 339 | 1 881 100 | 1 997 339 | Cash after profit and before allocation=216239 Réinvestissement de 113239 |
| 3 | 42 | 42 436 | 32 782 | 113 660 | 0 | 123 314 | 103 000 | 106 090 | 106 090 | 1 894 339 | 2 014 563 | 1 997 339 | 2 120 653 | Cash after profit and before allocation=226314 Réinvestissement de 120224 |
| 4 | 43 | 43 709 | 33 765 | 120 874 | 0 | 130 818 | 106 090 | 109 273 | 109 273 | 2 014 563 | 2 142 198 | 2 120 653 | 2 251 471 | Cash after profit and before allocation=236908 Réinvestissement de 127635 |
| 5 | 44 | 45 020 | 34 778 | 128 532 | 0 | 138 774 | 109 273 | 112 551 | 112 551 | 2 142 198 | 2 277 694 | 2 251 471 | 2 390 245 | Cash after profit and before allocation=248047 Réinvestissement de 135496 |
| 6 | 45 | 46 371 | 35 822 | 136 662 | 0 | 147 211 | 112 551 | 115 927 | 115 927 | 2 277 694 | 2 421 529 | 2 390 245 | 2 537 456 | Cash after profit and before allocation=259762 Réinvestissement de 143835 |
| 7 | 46 | 47 762 | 36 896 | 145 292 | 0 | 156 158 | 115 927 | 119 405 | 119 405 | 2 421 529 | 2 574 209 | 2 537 456 | 2 693 614 | Cash after profit and before allocation=272085 Réinvestissement de 152680 |
| 8 | 47 | 49 195 | 38 003 | 154 453 | 0 | 165 645 | 119 405 | 122 987 | 122 987 | 2 574 209 | 2 736 272 | 2 693 614 | 2 859 259 | Cash after profit and before allocation=285050 Réinvestissement de 162063 |
| 9 | 48 | 50 671 | 39 143 | 164 176 | 0 | 175 704 | 122 987 | 126 677 | 126 677 | 2 736 272 | 2 908 286 | 2 859 259 | 3 034 963 | Cash after profit and before allocation=298691 Réinvestissement de 172014 |
| 10 | 49 | 52 191 | 40 317 | 174 497 | 0 | 186 371 | 126 677 | 130 477 | 130 477 | 2 908 286 | 3 090 857 | 3 034 963 | 3 221 334 | Cash after profit and before allocation=313048 Réinvestissement de 182571 |
| 11 | 50 | 53 757 | 41 527 | 185 451 | 0 | 197 681 | 130 477 | 134 392 | 134 392 | 3 090 857 | 3 284 623 | 3 221 334 | 3 419 015 | Cash after profit and before allocation=328158 Réinvestissement de 193766 |
| 12 | 51 | 55 369 | 42 773 | 197 077 | 0 | 209 673 | 134 392 | 138 423 | 138 423 | 3 284 623 | 3 490 265 | 3 419 015 | 3 628 688 | Cash after profit and before allocation=344065 Réinvestissement de 205642 |
| 13 | 52 | 0 | 42 587 | 209 416 | 0 | 166 829 | 138 423 | 142 576 | 142 576 | 3 490 265 | 3 652 941 | 3 628 688 | 3 795 517 | Cash after profit and before allocation=305252 Réinvestissement de 162676 |
| 14 | 53 | 0 | 43 865 | 219 176 | 0 | 175 311 | 142 576 | 146 853 | 146 853 | 3 652 941 | 3 823 975 | 3 795 517 | 3 970 828 | Cash after profit and before allocation=317887 Réinvestissement de 171034 |
| 15 | 54 | 0 | 45 181 | 229 439 | 0 | 184 258 | 146 853 | 151 259 | 151 259 | 3 823 975 | 4 003 827 | 3 970 828 | 4 155 086 | Cash after profit and before allocation=331111 Réinvestissement de 179852 |
| 16 | 55 | 0 | 46 536 | 240 230 | 0 | 193 694 | 151 259 | 155 797 | 155 797 | 4 003 827 | 4 192 983 | 4 155 086 | 4 348 780 | Cash after profit and before allocation=344953 Réinvestissement de 189156 |
| 17 | 56 | 0 | 47 933 | 251 579 | 0 | 203 646 | 155 797 | 160 471 | 160 471 | 4 192 983 | 4 391 955 | 4 348 780 | 4 552 426 | Cash after profit and before allocation=359443 Réinvestissement de 198972 |
| 18 | 57 | 0 | 49 371 | 263 517 | 0 | 214 146 | 160 471 | 165 285 | 165 285 | 4 391 955 | 4 601 287 | 4 552 426 | 4 766 572 | Cash after profit and before allocation=374617 Réinvestissement de 209332 |
| 19 | 58 | 0 | 50 852 | 276 077 | 0 | 225 225 | 165 285 | 170 243 | 170 243 | 4 601 287 | 4 821 554 | 4 766 572 | 4 991 797 | Cash after profit and before allocation=390510 Réinvestissement de 220267 |
| 20 | 59 | 0 | 52 377 | 289 293 | 0 | 236 916 | 170 243 | 175 351 | 175 351 | 4 821 554 | 5 053 362 | 4 991 797 | 5 228 713 | Cash after profit and before allocation=407159 Réinvestissement de 231808 |
| 21 | 60 | 0 | 53 949 | 303 202 | 15 600 | 264 853 | 175 351 | 180 611 | 180 611 | 5 053 362 | 5 312 955 | 5 228 713 | 5 493 566 | Cash after profit and before allocation=440204 Réinvestissement de 259593 |
| 22 | 61 | 0 | 55 567 | 318 777 | 15 756 | 278 966 | 180 611 | 186 029 | 186 029 | 5 312 955 | 5 586 503 | 5 493 566 | 5 772 532 | Cash after profit and before allocation=459577 Réinvestissement de 273548 |
| 23 | 62 | 0 | 57 234 | 335 190 | 15 914 | 293 870 | 186 029 | 191 610 | 191 610 | 5 586 503 | 5 874 792 | 5 772 532 | 6 066 402 | Cash after profit and before allocation=479899 Réinvestissement de 288289 |
| 24 | 63 | 0 | 58 951 | 352 488 | 16 073 | 309 610 | 191 610 | 197 359 | 197 359 | 5 874 792 | 6 178 653 | 6 066 402 | 6 376 012 | Cash after profit and before allocation=501220 Réinvestissement de 303861 |
| 25 | 64 | 0 | 60 720 | 370 719 | 16 233 | 326 232 | 197 359 | 203 279 | 203 279 | 6 178 653 | 6 498 965 | 6 376 012 | 6 702 244 | Cash after profit and before allocation=523591 Réinvestissement de 320312 |
| 26 | 65 | 0 | 62 541 | 389 938 | 16 396 | 343 793 | 203 279 | 209 378 | 209 378 | 6 498 965 | 6 836 659 | 6 702 244 | 7 046 037 | Cash after profit and before allocation=547072 Réinvestissement de 337694 |
| 27 | 66 | 0 | 64 417 | 410 200 | 16 560 | 362 343 | 209 378 | 215 659 | 215 659 | 6 836 659 | 7 192 721 | 7 046 037 | 7 408 380 | Cash after profit and before allocation=571721 Réinvestissement de 356062 |
| 28 | 67 | 0 | 66 350 | 431 563 | 16 725 | 381 938 | 215 659 | 222 129 | 222 129 | 7 192 721 | 7 568 189 | 7 408 380 | 7 790 318 | Cash after profit and before allocation=597597 Réinvestissement de 375468 |
| 29 | 68 | 0 | 68 340 | 454 091 | 16 893 | 402 644 | 222 129 | 228 793 | 228 793 | 7 568 189 | 7 964 169 | 7 790 318 | 8 192 962 | Cash after profit and before allocation=624773 Réinvestissement de 395980 |
| 30 | 69 | 0 | 70 391 | 477 850 | 17 061 | 424 520 | 228 793 | 235 657 | 235 657 | 7 964 169 | 8 381 825 | 8 192 962 | 8 617 482 | Cash after profit and before allocation=653313 Réinvestissement de 417656 |
| 31 | 70 | 0 | 72 502 | 502 910 | 17 232 | 447 640 | 235 657 | 242 726 | 242 726 | 8 381 825 | 8 822 396 | 8 617 482 | 9 065 122 | Cash after profit and before allocation=683297 Réinvestissement de 440571 |
| 32 | 71 | 0 | 74 677 | 529 344 | 17 404 | 472 071 | 242 726 | 250 008 | 250 008 | 8 822 396 | 9 287 185 | 9 065 122 | 9 537 193 | Cash after profit and before allocation=714797 Réinvestissement de 464789 |
| 33 | 72 | 0 | 76 918 | 557 231 | 17 578 | 497 891 | 250 008 | 257 508 | 257 508 | 9 287 185 | 9 777 576 | 9 537 193 | 10 035 084 | Cash after profit and before allocation=747899 Réinvestissement de 490391 |
| 34 | 73 | 0 | 79 225 | 586 655 | 17 754 | 525 184 | 257 508 | 265 234 | 265 234 | 9 777 576 | 10 295 034 | 10 035 084 | 10 560 268 | Cash after profit and before allocation=782692 Réinvestissement de 517458 |
| 35 | 74 | 0 | 81 602 | 617 702 | 17 932 | 554 032 | 265 234 | 273 191 | 273 191 | 10 295 034 | 10 841 109 | 10 560 268 | 11 114 300 | Cash after profit and before allocation=819266 Réinvestissement de 546075 |
| 36 | 75 | 0 | 84 050 | 650 467 | 18 111 | 584 528 | 273 191 | 281 386 | 281 386 | 10 841 109 | 11 417 442 | 11 114 300 | 11 698 828 | Cash after profit and before allocation=857719 Réinvestissement de 576333 |
| 37 | 76 | 0 | 86 572 | 685 047 | 18 292 | 616 767 | 281 386 | 289 828 | 289 828 | 11 417 442 | 12 025 767 | 11 698 828 | 12 315 595 | Cash after profit and before allocation=898153 Réinvestissement de 608325 |
| 38 | 77 | 0 | 89 169 | 721 546 | 18 475 | 650 852 | 289 828 | 298 523 | 298 523 | 12 025 767 | 12 667 924 | 12 315 595 | 12 966 447 | Cash after profit and before allocation=940680 Réinvestissement de 642157 |
| 39 | 78 | 0 | 91 844 | 760 075 | 18 660 | 686 891 | 298 523 | 307 478 | 307 478 | 12 667 924 | 13 345 860 | 12 966 447 | 13 653 338 | Cash after profit and before allocation=985414 Réinvestissement de 677936 |
| 40 | 79 | 0 | 94 599 | 800 752 | 18 846 | 724 999 | 307 478 | 316 703 | 316 703 | 13 345 860 | 14 061 634 | 13 653 338 | 14 378 337 | Cash after profit and before allocation=1032477 Réinvestissement de 715774 |
| 41 | 80 | 0 | 97 437 | 843 698 | 19 035 | 765 296 | 316 703 | 326 204 | 326 204 | 14 061 634 | 14 817 429 | 14 378 337 | 15 143 633 | Cash after profit and before allocation=1081999 Réinvestissement de 755795 |
| 42 | 81 | 0 | 100 360 | 889 046 | 19 225 | 807 911 | 326 204 | 335 990 | 335 990 | 14 817 429 | 15 615 554 | 15 143 633 | 15 951 544 | Cash after profit and before allocation=1134115 Réinvestissement de 798125 |
| 43 | 82 | 0 | 103 371 | 936 933 | 19 418 | 852 980 | 335 990 | 346 070 | 346 070 | 15 615 554 | 16 458 454 | 15 951 544 | 16 804 524 | Cash after profit and before allocation=1188970 Réinvestissement de 842900 |
| 44 | 83 | 0 | 106 472 | 987 507 | 19 612 | 900 647 | 346 070 | 356 452 | 356 452 | 16 458 454 | 17 348 719 | 16 804 524 | 17 705 171 | Cash after profit and before allocation=1246717 Réinvestissement de 890265 |
| 45 | 84 | 0 | 109 666 | 1 040 923 | 19 808 | 951 065 | 356 452 | 367 145 | 367 145 | 17 348 719 | 18 289 091 | 17 705 171 | 18 656 236 | Cash after profit and before allocation=1307517 Réinvestissement de 940372 |
| 46 | 85 | 0 | 112 956 | 1 097 345 | 20 006 | 1 004 395 | 367 145 | 378 160 | 378 160 | 18 289 091 | 19 282 471 | 18 656 236 | 19 660 631 | Cash after profit and before allocation=1371540 Réinvestissement de 993380 |
| 47 | 86 | 0 | 116 345 | 1 156 948 | 20 206 | 1 060 809 | 378 160 | 389 504 | 389 504 | 19 282 471 | 20 331 936 | 19 660 631 | 20 721 440 | Cash after profit and before allocation=1438969 Réinvestissement de 1049465 |
| 48 | 87 | 0 | 119 835 | 1 219 916 | 20 408 | 1 120 489 | 389 504 | 401 190 | 401 190 | 20 331 936 | 21 440 739 | 20 721 440 | 21 841 929 | Cash after profit and before allocation=1509993 Réinvestissement de 1108803 |
| 49 | 88 | 0 | 123 430 | 1 286 444 | 20 612 | 1 183 626 | 401 190 | 413 225 | 413 225 | 21 440 739 | 22 612 330 | 21 841 929 | 23 025 555 | Cash after profit and before allocation=1584816 Réinvestissement de 1171591 |
| 50 | 89 | 0 | 127 133 | 1 356 740 | 20 818 | 1 250 425 | 413 225 | 425 622 | 425 622 | 22 612 330 | 23 850 358 | 23 025 555 | 24 275 980 | Cash after profit and before allocation=1663650 Réinvestissement de 1238028 |
| 51 | 90 | 0 | 130 947 | 1 431 021 | 21 026 | 1 321 100 | 425 622 | 438 391 | 438 391 | 23 850 358 | 25 158 689 | 24 275 980 | 25 597 080 | Cash after profit and before allocation=1746722 Réinvestissement de 1308331 |
| 52 | 91 | 0 | 134 876 | 1 509 521 | 21 237 | 1 395 882 | 438 391 | 451 542 | 451 542 | 25 158 689 | 26 541 420 | 25 597 080 | 26 992 962 | Cash after profit and before allocation=1834273 Réinvestissement de 1382731 |
| 53 | 92 | 0 | 138 922 | 1 592 485 | 21 449 | 1 475 012 | 451 542 | 465 089 | 465 089 | 26 541 420 | 28 002 885 | 26 992 962 | 28 467 974 | Cash after profit and before allocation=1926554 Réinvestissement de 1461465 |
| 54 | 93 | 0 | 143 090 | 1 680 173 | 21 664 | 1 558 747 | 465 089 | 479 041 | 479 041 | 28 002 885 | 29 547 680 | 28 467 974 | 30 026 721 | Cash after profit and before allocation=2023836 Réinvestissement de 1544795 |
| 55 | 94 | 0 | 147 382 | 1 772 861 | 21 880 | 1 647 359 | 479 041 | 493 412 | 493 412 | 29 547 680 | 31 180 668 | 30 026 721 | 31 674 080 | Cash after profit and before allocation=2126400 Réinvestissement de 1632988 |
| 56 | 95 | 0 | 151 804 | 1 870 840 | 22 099 | 1 741 135 | 493 412 | 508 215 | 508 215 | 31 180 668 | 32 907 000 | 31 674 080 | 33 415 215 | Cash after profit and before allocation=2234547 Réinvestissement de 1726332 |
| 57 | 96 | 0 | 156 358 | 1 974 420 | 22 320 | 1 840 382 | 508 215 | 523 461 | 523 461 | 32 907 000 | 34 732 136 | 33 415 215 | 35 255 597 | Cash after profit and before allocation=2348597 Réinvestissement de 1825136 |
| 58 | 97 | 0 | 161 049 | 2 083 928 | 22 543 | 1 945 422 | 523 461 | 539 165 | 539 165 | 34 732 136 | 36 661 854 | 35 255 597 | 37 201 019 | Cash after profit and before allocation=2468883 Réinvestissement de 1929718 |
| 59 | 98 | 0 | 165 880 | 2 199 711 | 22 769 | 2 056 600 | 539 165 | 555 340 | 555 340 | 36 661 854 | 38 702 279 | 37 201 019 | 39 257 619 | Cash after profit and before allocation=2595765 Réinvestissement de 2040425 |
| 60 | 99 | 0 | 170 856 | 2 322 137 | 22 996 | 2 174 277 | 555 340 | 572 000 | 572 000 | 38 702 279 | 40 859 896 | 39 257 619 | 41 431 896 | Cash after profit and before allocation=2729617 Réinvestissement de 2157617 |
| 61 | 100 | 0 | 175 982 | 2 451 594 | 23 226 | 2 298 838 | 572 000 | 589 160 | 589 160 | 40 859 896 | 43 141 574 | 41 431 896 | 43 730 734 | Cash after profit and before allocation=2870838 Réinvestissement de 2281678 |
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