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 47M€ Do you really want to be the richest person in the cemetery? You could spend 75,000€ more per year to end up spending everything and leaving nothing behind. That still makes 205€ 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 | 108 000 | 0 | 117 100 | 70 000 | 100 000 | 100 000 | 1 800 000 | 1 887 100 | 1 870 000 | 1 987 100 | Cash after profit and before allocation=187100 Réinvestissement de 87100 |
| 2 | 41 | 41 200 | 31 827 | 113 226 | 0 | 122 599 | 100 000 | 103 000 | 103 000 | 1 887 100 | 2 006 699 | 1 987 100 | 2 109 699 | Cash after profit and before allocation=222599 Réinvestissement de 119599 |
| 3 | 42 | 42 436 | 32 782 | 120 402 | 0 | 130 056 | 103 000 | 106 090 | 106 090 | 2 006 699 | 2 133 665 | 2 109 699 | 2 239 755 | Cash after profit and before allocation=233056 Réinvestissement de 126966 |
| 4 | 43 | 43 709 | 33 765 | 128 020 | 0 | 137 964 | 106 090 | 109 273 | 109 273 | 2 133 665 | 2 268 446 | 2 239 755 | 2 377 719 | Cash after profit and before allocation=244054 Réinvestissement de 134781 |
| 5 | 44 | 45 020 | 34 778 | 136 107 | 0 | 146 349 | 109 273 | 112 551 | 112 551 | 2 268 446 | 2 411 517 | 2 377 719 | 2 524 068 | Cash after profit and before allocation=255622 Réinvestissement de 143071 |
| 6 | 45 | 46 371 | 35 822 | 144 691 | 0 | 155 240 | 112 551 | 115 927 | 115 927 | 2 411 517 | 2 563 381 | 2 524 068 | 2 679 308 | Cash after profit and before allocation=267791 Réinvestissement de 151864 |
| 7 | 46 | 47 762 | 36 896 | 153 803 | 0 | 164 669 | 115 927 | 119 405 | 119 405 | 2 563 381 | 2 724 572 | 2 679 308 | 2 843 977 | Cash after profit and before allocation=280596 Réinvestissement de 161191 |
| 8 | 47 | 49 195 | 38 003 | 163 474 | 0 | 174 666 | 119 405 | 122 987 | 122 987 | 2 724 572 | 2 895 656 | 2 843 977 | 3 018 643 | Cash after profit and before allocation=294071 Réinvestissement de 171084 |
| 9 | 48 | 50 671 | 39 143 | 173 739 | 0 | 185 267 | 122 987 | 126 677 | 126 677 | 2 895 656 | 3 077 233 | 3 018 643 | 3 203 910 | Cash after profit and before allocation=308254 Réinvestissement de 181577 |
| 10 | 49 | 52 191 | 40 317 | 184 634 | 0 | 196 508 | 126 677 | 130 477 | 130 477 | 3 077 233 | 3 269 941 | 3 203 910 | 3 400 418 | Cash after profit and before allocation=323185 Réinvestissement de 192708 |
| 11 | 50 | 53 757 | 41 527 | 196 196 | 0 | 208 426 | 130 477 | 134 392 | 134 392 | 3 269 941 | 3 474 452 | 3 400 418 | 3 608 844 | Cash after profit and before allocation=338903 Réinvestissement de 204511 |
| 12 | 51 | 55 369 | 42 773 | 208 467 | 0 | 221 063 | 134 392 | 138 423 | 138 423 | 3 474 452 | 3 691 484 | 3 608 844 | 3 829 907 | Cash after profit and before allocation=355455 Réinvestissement de 217032 |
| 13 | 52 | 0 | 42 587 | 221 489 | 0 | 178 902 | 138 423 | 142 576 | 142 576 | 3 691 484 | 3 866 233 | 3 829 907 | 4 008 809 | Cash after profit and before allocation=317325 Réinvestissement de 174749 |
| 14 | 53 | 0 | 43 865 | 231 974 | 0 | 188 109 | 142 576 | 146 853 | 146 853 | 3 866 233 | 4 050 065 | 4 008 809 | 4 196 918 | Cash after profit and before allocation=330685 Réinvestissement de 183832 |
| 15 | 54 | 0 | 45 181 | 243 004 | 0 | 197 823 | 146 853 | 151 259 | 151 259 | 4 050 065 | 4 243 482 | 4 196 918 | 4 394 741 | Cash after profit and before allocation=344676 Réinvestissement de 193417 |
| 16 | 55 | 0 | 46 536 | 254 609 | 0 | 208 073 | 151 259 | 155 797 | 155 797 | 4 243 482 | 4 447 017 | 4 394 741 | 4 602 814 | Cash after profit and before allocation=359332 Réinvestissement de 203535 |
| 17 | 56 | 0 | 47 933 | 266 821 | 0 | 218 888 | 155 797 | 160 471 | 160 471 | 4 447 017 | 4 661 231 | 4 602 814 | 4 821 702 | Cash after profit and before allocation=374685 Réinvestissement de 214214 |
| 18 | 57 | 0 | 49 371 | 279 674 | 0 | 230 303 | 160 471 | 165 285 | 165 285 | 4 661 231 | 4 886 720 | 4 821 702 | 5 052 005 | Cash after profit and before allocation=390774 Réinvestissement de 225489 |
| 19 | 58 | 0 | 50 852 | 293 203 | 0 | 242 351 | 165 285 | 170 243 | 170 243 | 4 886 720 | 5 124 113 | 5 052 005 | 5 294 356 | Cash after profit and before allocation=407636 Réinvestissement de 237393 |
| 20 | 59 | 0 | 52 377 | 307 447 | 0 | 255 070 | 170 243 | 175 351 | 175 351 | 5 124 113 | 5 374 075 | 5 294 356 | 5 549 426 | Cash after profit and before allocation=425313 Réinvestissement de 249962 |
| 21 | 60 | 0 | 53 949 | 322 445 | 15 600 | 284 096 | 175 351 | 180 611 | 180 611 | 5 374 075 | 5 652 911 | 5 549 426 | 5 833 522 | Cash after profit and before allocation=459447 Réinvestissement de 278836 |
| 22 | 61 | 0 | 55 567 | 339 175 | 15 756 | 299 364 | 180 611 | 186 029 | 186 029 | 5 652 911 | 5 946 857 | 5 833 522 | 6 132 886 | Cash after profit and before allocation=479975 Réinvestissement de 293946 |
| 23 | 62 | 0 | 57 234 | 356 811 | 15 914 | 315 491 | 186 029 | 191 610 | 191 610 | 5 946 857 | 6 256 767 | 6 132 886 | 6 448 377 | Cash after profit and before allocation=501520 Réinvestissement de 309910 |
| 24 | 63 | 0 | 58 951 | 375 406 | 16 073 | 332 528 | 191 610 | 197 359 | 197 359 | 6 256 767 | 6 583 546 | 6 448 377 | 6 780 905 | Cash after profit and before allocation=524138 Réinvestissement de 326779 |
| 25 | 64 | 0 | 60 720 | 395 013 | 16 233 | 350 526 | 197 359 | 203 279 | 203 279 | 6 583 546 | 6 928 152 | 6 780 905 | 7 131 431 | Cash after profit and before allocation=547885 Réinvestissement de 344606 |
| 26 | 65 | 0 | 62 541 | 415 689 | 16 396 | 369 544 | 203 279 | 209 378 | 209 378 | 6 928 152 | 7 291 597 | 7 131 431 | 7 500 975 | Cash after profit and before allocation=572823 Réinvestissement de 363445 |
| 27 | 66 | 0 | 64 417 | 437 496 | 16 560 | 389 639 | 209 378 | 215 659 | 215 659 | 7 291 597 | 7 674 955 | 7 500 975 | 7 890 614 | Cash after profit and before allocation=599017 Réinvestissement de 383358 |
| 28 | 67 | 0 | 66 350 | 460 497 | 16 725 | 410 872 | 215 659 | 222 129 | 222 129 | 7 674 955 | 8 079 357 | 7 890 614 | 8 301 486 | Cash after profit and before allocation=626531 Réinvestissement de 404402 |
| 29 | 68 | 0 | 68 340 | 484 761 | 16 893 | 433 314 | 222 129 | 228 793 | 228 793 | 8 079 357 | 8 506 007 | 8 301 486 | 8 734 800 | Cash after profit and before allocation=655443 Réinvestissement de 426650 |
| 30 | 69 | 0 | 70 391 | 510 360 | 17 061 | 457 030 | 228 793 | 235 657 | 235 657 | 8 506 007 | 8 956 173 | 8 734 800 | 9 191 830 | Cash after profit and before allocation=685823 Réinvestissement de 450166 |
| 31 | 70 | 0 | 72 502 | 537 370 | 17 232 | 482 100 | 235 657 | 242 726 | 242 726 | 8 956 173 | 9 431 204 | 9 191 830 | 9 673 930 | Cash after profit and before allocation=717757 Réinvestissement de 475031 |
| 32 | 71 | 0 | 74 677 | 565 872 | 17 404 | 508 599 | 242 726 | 250 008 | 250 008 | 9 431 204 | 9 932 521 | 9 673 930 | 10 182 529 | Cash after profit and before allocation=751325 Réinvestissement de 501317 |
| 33 | 72 | 0 | 76 918 | 595 951 | 17 578 | 536 611 | 250 008 | 257 508 | 257 508 | 9 932 521 | 10 461 632 | 10 182 529 | 10 719 140 | Cash after profit and before allocation=786619 Réinvestissement de 529111 |
| 34 | 73 | 0 | 79 225 | 627 698 | 17 754 | 566 227 | 257 508 | 265 234 | 265 234 | 10 461 632 | 11 020 133 | 10 719 140 | 11 285 367 | Cash after profit and before allocation=823735 Réinvestissement de 558501 |
| 35 | 74 | 0 | 81 602 | 661 208 | 17 932 | 597 538 | 265 234 | 273 191 | 273 191 | 11 020 133 | 11 609 714 | 11 285 367 | 11 882 905 | Cash after profit and before allocation=862772 Réinvestissement de 589581 |
| 36 | 75 | 0 | 84 050 | 696 583 | 18 111 | 630 644 | 273 191 | 281 386 | 281 386 | 11 609 714 | 12 232 163 | 11 882 905 | 12 513 549 | Cash after profit and before allocation=903835 Réinvestissement de 622449 |
| 37 | 76 | 0 | 86 572 | 733 930 | 18 292 | 665 650 | 281 386 | 289 828 | 289 828 | 12 232 163 | 12 889 371 | 12 513 549 | 13 179 199 | Cash after profit and before allocation=947036 Réinvestissement de 657208 |
| 38 | 77 | 0 | 89 169 | 773 362 | 18 475 | 702 668 | 289 828 | 298 523 | 298 523 | 12 889 371 | 13 583 344 | 13 179 199 | 13 881 867 | Cash after profit and before allocation=992496 Réinvestissement de 693973 |
| 39 | 78 | 0 | 91 844 | 815 001 | 18 660 | 741 817 | 298 523 | 307 478 | 307 478 | 13 583 344 | 14 316 206 | 13 881 867 | 14 623 684 | Cash after profit and before allocation=1040340 Réinvestissement de 732862 |
| 40 | 79 | 0 | 94 599 | 858 972 | 18 846 | 783 219 | 307 478 | 316 703 | 316 703 | 14 316 206 | 15 090 200 | 14 623 684 | 15 406 903 | Cash after profit and before allocation=1090697 Réinvestissement de 773994 |
| 41 | 80 | 0 | 97 437 | 905 412 | 19 035 | 827 010 | 316 703 | 326 204 | 326 204 | 15 090 200 | 15 907 709 | 15 406 903 | 16 233 913 | Cash after profit and before allocation=1143713 Réinvestissement de 817509 |
| 42 | 81 | 0 | 100 360 | 954 463 | 19 225 | 873 328 | 326 204 | 335 990 | 335 990 | 15 907 709 | 16 771 251 | 16 233 913 | 17 107 241 | Cash after profit and before allocation=1199532 Réinvestissement de 863542 |
| 43 | 82 | 0 | 103 371 | 1 006 275 | 19 418 | 922 322 | 335 990 | 346 070 | 346 070 | 16 771 251 | 17 683 493 | 17 107 241 | 18 029 563 | Cash after profit and before allocation=1258312 Réinvestissement de 912242 |
| 44 | 83 | 0 | 106 472 | 1 061 010 | 19 612 | 974 150 | 346 070 | 356 452 | 356 452 | 17 683 493 | 18 647 261 | 18 029 563 | 19 003 713 | Cash after profit and before allocation=1320220 Réinvestissement de 963768 |
| 45 | 84 | 0 | 109 666 | 1 118 836 | 19 808 | 1 028 978 | 356 452 | 367 145 | 367 145 | 18 647 261 | 19 665 546 | 19 003 713 | 20 032 691 | Cash after profit and before allocation=1385430 Réinvestissement de 1018285 |
| 46 | 85 | 0 | 112 956 | 1 179 933 | 20 006 | 1 086 983 | 367 145 | 378 160 | 378 160 | 19 665 546 | 20 741 514 | 20 032 691 | 21 119 674 | Cash after profit and before allocation=1454128 Réinvestissement de 1075968 |
| 47 | 86 | 0 | 116 345 | 1 244 491 | 20 206 | 1 148 352 | 378 160 | 389 504 | 389 504 | 20 741 514 | 21 878 522 | 21 119 674 | 22 268 026 | Cash after profit and before allocation=1526512 Réinvestissement de 1137008 |
| 48 | 87 | 0 | 119 835 | 1 312 711 | 20 408 | 1 213 284 | 389 504 | 401 190 | 401 190 | 21 878 522 | 23 080 120 | 22 268 026 | 23 481 310 | Cash after profit and before allocation=1602788 Réinvestissement de 1201598 |
| 49 | 88 | 0 | 123 430 | 1 384 807 | 20 612 | 1 281 989 | 401 190 | 413 225 | 413 225 | 23 080 120 | 24 350 074 | 23 481 310 | 24 763 299 | Cash after profit and before allocation=1683179 Réinvestissement de 1269954 |
| 50 | 89 | 0 | 127 133 | 1 461 004 | 20 818 | 1 354 689 | 413 225 | 425 622 | 425 622 | 24 350 074 | 25 692 366 | 24 763 299 | 26 117 988 | Cash after profit and before allocation=1767914 Réinvestissement de 1342292 |
| 51 | 90 | 0 | 130 947 | 1 541 542 | 21 026 | 1 431 621 | 425 622 | 438 391 | 438 391 | 25 692 366 | 27 111 218 | 26 117 988 | 27 549 609 | Cash after profit and before allocation=1857243 Réinvestissement de 1418852 |
| 52 | 91 | 0 | 134 876 | 1 626 673 | 21 237 | 1 513 034 | 438 391 | 451 542 | 451 542 | 27 111 218 | 28 611 101 | 27 549 609 | 29 062 643 | Cash after profit and before allocation=1951425 Réinvestissement de 1499883 |
| 53 | 92 | 0 | 138 922 | 1 716 666 | 21 449 | 1 599 193 | 451 542 | 465 089 | 465 089 | 28 611 101 | 30 196 747 | 29 062 643 | 30 661 836 | Cash after profit and before allocation=2050735 Réinvestissement de 1585646 |
| 54 | 93 | 0 | 143 090 | 1 811 805 | 21 664 | 1 690 379 | 465 089 | 479 041 | 479 041 | 30 196 747 | 31 873 174 | 30 661 836 | 32 352 215 | Cash after profit and before allocation=2155468 Réinvestissement de 1676427 |
| 55 | 94 | 0 | 147 382 | 1 912 390 | 21 880 | 1 786 888 | 479 041 | 493 412 | 493 412 | 31 873 174 | 33 645 691 | 32 352 215 | 34 139 103 | Cash after profit and before allocation=2265929 Réinvestissement de 1772517 |
| 56 | 95 | 0 | 151 804 | 2 018 741 | 22 099 | 1 889 036 | 493 412 | 508 215 | 508 215 | 33 645 691 | 35 519 924 | 34 139 103 | 36 028 139 | Cash after profit and before allocation=2382448 Réinvestissement de 1874233 |
| 57 | 96 | 0 | 156 358 | 2 131 195 | 22 320 | 1 997 157 | 508 215 | 523 461 | 523 461 | 35 519 924 | 37 501 835 | 36 028 139 | 38 025 296 | Cash after profit and before allocation=2505372 Réinvestissement de 1981911 |
| 58 | 97 | 0 | 161 049 | 2 250 110 | 22 543 | 2 111 604 | 523 461 | 539 165 | 539 165 | 37 501 835 | 39 597 735 | 38 025 296 | 40 136 900 | Cash after profit and before allocation=2635065 Réinvestissement de 2095900 |
| 59 | 98 | 0 | 165 880 | 2 375 864 | 22 769 | 2 232 753 | 539 165 | 555 340 | 555 340 | 39 597 735 | 41 814 313 | 40 136 900 | 42 369 653 | Cash after profit and before allocation=2771918 Réinvestissement de 2216578 |
| 60 | 99 | 0 | 170 856 | 2 508 859 | 22 996 | 2 360 999 | 555 340 | 572 000 | 572 000 | 41 814 313 | 44 158 652 | 42 369 653 | 44 730 652 | Cash after profit and before allocation=2916339 Réinvestissement de 2344339 |
| 61 | 100 | 0 | 175 982 | 2 649 519 | 23 226 | 2 496 763 | 572 000 | 589 160 | 589 160 | 44 158 652 | 46 638 255 | 44 730 652 | 47 227 415 | Cash after profit and before allocation=3068763 Réinvestissement de 2479603 |
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