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 51M€ Do you really want to be the richest person in the cemetery? You could spend 80,500€ more per year to end up spending everything and leaving nothing behind. That still makes 221€ 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 | 114 000 | 0 | 123 100 | 70 000 | 100 000 | 100 000 | 1 900 000 | 1 993 100 | 1 970 000 | 2 093 100 | Cash after profit and before allocation=193100 Réinvestissement de 93100 |
| 2 | 41 | 41 200 | 31 827 | 119 586 | 0 | 128 959 | 100 000 | 103 000 | 103 000 | 1 993 100 | 2 119 059 | 2 093 100 | 2 222 059 | Cash after profit and before allocation=228959 Réinvestissement de 125959 |
| 3 | 42 | 42 436 | 32 782 | 127 144 | 0 | 136 798 | 103 000 | 106 090 | 106 090 | 2 119 059 | 2 252 767 | 2 222 059 | 2 358 857 | Cash after profit and before allocation=239798 Réinvestissement de 133708 |
| 4 | 43 | 43 709 | 33 765 | 135 166 | 0 | 145 110 | 106 090 | 109 273 | 109 273 | 2 252 767 | 2 394 694 | 2 358 857 | 2 503 967 | Cash after profit and before allocation=251200 Réinvestissement de 141927 |
| 5 | 44 | 45 020 | 34 778 | 143 682 | 0 | 153 924 | 109 273 | 112 551 | 112 551 | 2 394 694 | 2 545 340 | 2 503 967 | 2 657 891 | Cash after profit and before allocation=263197 Réinvestissement de 150646 |
| 6 | 45 | 46 371 | 35 822 | 152 720 | 0 | 163 269 | 112 551 | 115 927 | 115 927 | 2 545 340 | 2 705 233 | 2 657 891 | 2 821 160 | Cash after profit and before allocation=275820 Réinvestissement de 159893 |
| 7 | 46 | 47 762 | 36 896 | 162 314 | 0 | 173 180 | 115 927 | 119 405 | 119 405 | 2 705 233 | 2 874 935 | 2 821 160 | 2 994 340 | Cash after profit and before allocation=289107 Réinvestissement de 169702 |
| 8 | 47 | 49 195 | 38 003 | 172 496 | 0 | 183 688 | 119 405 | 122 987 | 122 987 | 2 874 935 | 3 055 041 | 2 994 340 | 3 178 028 | Cash after profit and before allocation=303093 Réinvestissement de 180106 |
| 9 | 48 | 50 671 | 39 143 | 183 302 | 0 | 194 830 | 122 987 | 126 677 | 126 677 | 3 055 041 | 3 246 181 | 3 178 028 | 3 372 858 | Cash after profit and before allocation=317817 Réinvestissement de 191140 |
| 10 | 49 | 52 191 | 40 317 | 194 771 | 0 | 206 645 | 126 677 | 130 477 | 130 477 | 3 246 181 | 3 449 026 | 3 372 858 | 3 579 503 | Cash after profit and before allocation=333322 Réinvestissement de 202845 |
| 11 | 50 | 53 757 | 41 527 | 206 942 | 0 | 219 172 | 130 477 | 134 392 | 134 392 | 3 449 026 | 3 664 283 | 3 579 503 | 3 798 675 | Cash after profit and before allocation=349649 Réinvestissement de 215257 |
| 12 | 51 | 55 369 | 42 773 | 219 857 | 0 | 232 453 | 134 392 | 138 423 | 138 423 | 3 664 283 | 3 892 705 | 3 798 675 | 4 031 128 | Cash after profit and before allocation=366845 Réinvestissement de 228422 |
| 13 | 52 | 0 | 42 587 | 233 562 | 0 | 190 975 | 138 423 | 142 576 | 142 576 | 3 892 705 | 4 079 527 | 4 031 128 | 4 222 103 | Cash after profit and before allocation=329398 Réinvestissement de 186822 |
| 14 | 53 | 0 | 43 865 | 244 772 | 0 | 200 907 | 142 576 | 146 853 | 146 853 | 4 079 527 | 4 276 157 | 4 222 103 | 4 423 010 | Cash after profit and before allocation=343483 Réinvestissement de 196630 |
| 15 | 54 | 0 | 45 181 | 256 569 | 0 | 211 388 | 146 853 | 151 259 | 151 259 | 4 276 157 | 4 483 139 | 4 423 010 | 4 634 398 | Cash after profit and before allocation=358241 Réinvestissement de 206982 |
| 16 | 55 | 0 | 46 536 | 268 988 | 0 | 222 452 | 151 259 | 155 797 | 155 797 | 4 483 139 | 4 701 053 | 4 634 398 | 4 856 850 | Cash after profit and before allocation=373711 Réinvestissement de 217914 |
| 17 | 56 | 0 | 47 933 | 282 063 | 0 | 234 130 | 155 797 | 160 471 | 160 471 | 4 701 053 | 4 930 509 | 4 856 850 | 5 090 980 | Cash after profit and before allocation=389927 Réinvestissement de 229456 |
| 18 | 57 | 0 | 49 371 | 295 831 | 0 | 246 460 | 160 471 | 165 285 | 165 285 | 4 930 509 | 5 172 155 | 5 090 980 | 5 337 440 | Cash after profit and before allocation=406931 Réinvestissement de 241646 |
| 19 | 58 | 0 | 50 852 | 310 329 | 0 | 259 477 | 165 285 | 170 243 | 170 243 | 5 172 155 | 5 426 674 | 5 337 440 | 5 596 917 | Cash after profit and before allocation=424762 Réinvestissement de 254519 |
| 20 | 59 | 0 | 52 377 | 325 600 | 0 | 273 223 | 170 243 | 175 351 | 175 351 | 5 426 674 | 5 694 789 | 5 596 917 | 5 870 140 | Cash after profit and before allocation=443466 Réinvestissement de 268115 |
| 21 | 60 | 0 | 53 949 | 341 687 | 15 600 | 303 338 | 175 351 | 180 611 | 180 611 | 5 694 789 | 5 992 867 | 5 870 140 | 6 173 478 | Cash after profit and before allocation=478689 Réinvestissement de 298078 |
| 22 | 61 | 0 | 55 567 | 359 572 | 15 756 | 319 761 | 180 611 | 186 029 | 186 029 | 5 992 867 | 6 307 210 | 6 173 478 | 6 493 239 | Cash after profit and before allocation=500372 Réinvestissement de 314343 |
| 23 | 62 | 0 | 57 234 | 378 433 | 15 914 | 337 113 | 186 029 | 191 610 | 191 610 | 6 307 210 | 6 638 742 | 6 493 239 | 6 830 352 | Cash after profit and before allocation=523142 Réinvestissement de 331532 |
| 24 | 63 | 0 | 58 951 | 398 325 | 16 073 | 355 447 | 191 610 | 197 359 | 197 359 | 6 638 742 | 6 988 440 | 6 830 352 | 7 185 799 | Cash after profit and before allocation=547057 Réinvestissement de 349698 |
| 25 | 64 | 0 | 60 720 | 419 306 | 16 233 | 374 819 | 197 359 | 203 279 | 203 279 | 6 988 440 | 7 357 339 | 7 185 799 | 7 560 618 | Cash after profit and before allocation=572178 Réinvestissement de 368899 |
| 26 | 65 | 0 | 62 541 | 441 440 | 16 396 | 395 295 | 203 279 | 209 378 | 209 378 | 7 357 339 | 7 746 535 | 7 560 618 | 7 955 913 | Cash after profit and before allocation=598574 Réinvestissement de 389196 |
| 27 | 66 | 0 | 64 417 | 464 792 | 16 560 | 416 935 | 209 378 | 215 659 | 215 659 | 7 746 535 | 8 157 189 | 7 955 913 | 8 372 848 | Cash after profit and before allocation=626313 Réinvestissement de 410654 |
| 28 | 67 | 0 | 66 350 | 489 431 | 16 725 | 439 806 | 215 659 | 222 129 | 222 129 | 8 157 189 | 8 590 525 | 8 372 848 | 8 812 654 | Cash after profit and before allocation=655465 Réinvestissement de 433336 |
| 29 | 68 | 0 | 68 340 | 515 432 | 16 893 | 463 985 | 222 129 | 228 793 | 228 793 | 8 590 525 | 9 047 846 | 8 812 654 | 9 276 639 | Cash after profit and before allocation=686114 Réinvestissement de 457321 |
| 30 | 69 | 0 | 70 391 | 542 871 | 17 061 | 489 541 | 228 793 | 235 657 | 235 657 | 9 047 846 | 9 530 523 | 9 276 639 | 9 766 180 | Cash after profit and before allocation=718334 Réinvestissement de 482677 |
| 31 | 70 | 0 | 72 502 | 571 831 | 17 232 | 516 561 | 235 657 | 242 726 | 242 726 | 9 530 523 | 10 040 015 | 9 766 180 | 10 282 741 | Cash after profit and before allocation=752218 Réinvestissement de 509492 |
| 32 | 71 | 0 | 74 677 | 602 401 | 17 404 | 545 128 | 242 726 | 250 008 | 250 008 | 10 040 015 | 10 577 861 | 10 282 741 | 10 827 869 | Cash after profit and before allocation=787854 Réinvestissement de 537846 |
| 33 | 72 | 0 | 76 918 | 634 672 | 17 578 | 575 332 | 250 008 | 257 508 | 257 508 | 10 577 861 | 11 145 693 | 10 827 869 | 11 403 201 | Cash after profit and before allocation=825340 Réinvestissement de 567832 |
| 34 | 73 | 0 | 79 225 | 668 742 | 17 754 | 607 271 | 257 508 | 265 234 | 265 234 | 11 145 693 | 11 745 238 | 11 403 201 | 12 010 472 | Cash after profit and before allocation=864779 Réinvestissement de 599545 |
| 35 | 74 | 0 | 81 602 | 704 714 | 17 932 | 641 044 | 265 234 | 273 191 | 273 191 | 11 745 238 | 12 378 325 | 12 010 472 | 12 651 516 | Cash after profit and before allocation=906278 Réinvestissement de 633087 |
| 36 | 75 | 0 | 84 050 | 742 700 | 18 111 | 676 761 | 273 191 | 281 386 | 281 386 | 12 378 325 | 13 046 891 | 12 651 516 | 13 328 277 | Cash after profit and before allocation=949952 Réinvestissement de 668566 |
| 37 | 76 | 0 | 86 572 | 782 813 | 18 292 | 714 533 | 281 386 | 289 828 | 289 828 | 13 046 891 | 13 752 982 | 13 328 277 | 14 042 810 | Cash after profit and before allocation=995919 Réinvestissement de 706091 |
| 38 | 77 | 0 | 89 169 | 825 179 | 18 475 | 754 485 | 289 828 | 298 523 | 298 523 | 13 752 982 | 14 498 772 | 14 042 810 | 14 797 295 | Cash after profit and before allocation=1044313 Réinvestissement de 745790 |
| 39 | 78 | 0 | 91 844 | 869 926 | 18 660 | 796 742 | 298 523 | 307 478 | 307 478 | 14 498 772 | 15 286 559 | 14 797 295 | 15 594 037 | Cash after profit and before allocation=1095265 Réinvestissement de 787787 |
| 40 | 79 | 0 | 94 599 | 917 194 | 18 846 | 841 441 | 307 478 | 316 703 | 316 703 | 15 286 559 | 16 118 775 | 15 594 037 | 16 435 478 | Cash after profit and before allocation=1148919 Réinvestissement de 832216 |
| 41 | 80 | 0 | 97 437 | 967 127 | 19 035 | 888 725 | 316 703 | 326 204 | 326 204 | 16 118 775 | 16 997 999 | 16 435 478 | 17 324 203 | Cash after profit and before allocation=1205428 Réinvestissement de 879224 |
| 42 | 81 | 0 | 100 360 | 1 019 880 | 19 225 | 938 745 | 326 204 | 335 990 | 335 990 | 16 997 999 | 17 926 958 | 17 324 203 | 18 262 948 | Cash after profit and before allocation=1264949 Réinvestissement de 928959 |
| 43 | 82 | 0 | 103 371 | 1 075 617 | 19 418 | 991 664 | 335 990 | 346 070 | 346 070 | 17 926 958 | 18 908 542 | 18 262 948 | 19 254 612 | Cash after profit and before allocation=1327654 Réinvestissement de 981584 |
| 44 | 83 | 0 | 106 472 | 1 134 513 | 19 612 | 1 047 653 | 346 070 | 356 452 | 356 452 | 18 908 542 | 19 945 813 | 19 254 612 | 20 302 265 | Cash after profit and before allocation=1393723 Réinvestissement de 1037271 |
| 45 | 84 | 0 | 109 666 | 1 196 749 | 19 808 | 1 106 891 | 356 452 | 367 145 | 367 145 | 19 945 813 | 21 042 011 | 20 302 265 | 21 409 156 | Cash after profit and before allocation=1463343 Réinvestissement de 1096198 |
| 46 | 85 | 0 | 112 956 | 1 262 521 | 20 006 | 1 169 571 | 367 145 | 378 160 | 378 160 | 21 042 011 | 22 200 567 | 21 409 156 | 22 578 727 | Cash after profit and before allocation=1536716 Réinvestissement de 1158556 |
| 47 | 86 | 0 | 116 345 | 1 332 034 | 20 206 | 1 235 895 | 378 160 | 389 504 | 389 504 | 22 200 567 | 23 425 118 | 22 578 727 | 23 814 622 | Cash after profit and before allocation=1614055 Réinvestissement de 1224551 |
| 48 | 87 | 0 | 119 835 | 1 405 507 | 20 408 | 1 306 080 | 389 504 | 401 190 | 401 190 | 23 425 118 | 24 719 512 | 23 814 622 | 25 120 702 | Cash after profit and before allocation=1695584 Réinvestissement de 1294394 |
| 49 | 88 | 0 | 123 430 | 1 483 171 | 20 612 | 1 380 353 | 401 190 | 413 225 | 413 225 | 24 719 512 | 26 087 830 | 25 120 702 | 26 501 055 | Cash after profit and before allocation=1781543 Réinvestissement de 1368318 |
| 50 | 89 | 0 | 127 133 | 1 565 270 | 20 818 | 1 458 955 | 413 225 | 425 622 | 425 622 | 26 087 830 | 27 534 388 | 26 501 055 | 27 960 010 | Cash after profit and before allocation=1872180 Réinvestissement de 1446558 |
| 51 | 90 | 0 | 130 947 | 1 652 063 | 21 026 | 1 542 142 | 425 622 | 438 391 | 438 391 | 27 534 388 | 29 063 761 | 27 960 010 | 29 502 152 | Cash after profit and before allocation=1967764 Réinvestissement de 1529373 |
| 52 | 91 | 0 | 134 876 | 1 743 826 | 21 237 | 1 630 187 | 438 391 | 451 542 | 451 542 | 29 063 761 | 30 680 797 | 29 502 152 | 31 132 339 | Cash after profit and before allocation=2068578 Réinvestissement de 1617036 |
| 53 | 92 | 0 | 138 922 | 1 840 848 | 21 449 | 1 723 375 | 451 542 | 465 089 | 465 089 | 30 680 797 | 32 390 625 | 31 132 339 | 32 855 714 | Cash after profit and before allocation=2174917 Réinvestissement de 1709828 |
| 54 | 93 | 0 | 143 090 | 1 943 438 | 21 664 | 1 822 012 | 465 089 | 479 041 | 479 041 | 32 390 625 | 34 198 685 | 32 855 714 | 34 677 726 | Cash after profit and before allocation=2287101 Réinvestissement de 1808060 |
| 55 | 94 | 0 | 147 382 | 2 051 921 | 21 880 | 1 926 419 | 479 041 | 493 412 | 493 412 | 34 198 685 | 36 110 733 | 34 677 726 | 36 604 145 | Cash after profit and before allocation=2405460 Réinvestissement de 1912048 |
| 56 | 95 | 0 | 151 804 | 2 166 644 | 22 099 | 2 036 939 | 493 412 | 508 215 | 508 215 | 36 110 733 | 38 132 869 | 36 604 145 | 38 641 084 | Cash after profit and before allocation=2530351 Réinvestissement de 2022136 |
| 57 | 96 | 0 | 156 358 | 2 287 972 | 22 320 | 2 153 934 | 508 215 | 523 461 | 523 461 | 38 132 869 | 40 271 557 | 38 641 084 | 40 795 018 | Cash after profit and before allocation=2662149 Réinvestissement de 2138688 |
| 58 | 97 | 0 | 161 049 | 2 416 293 | 22 543 | 2 277 787 | 523 461 | 539 165 | 539 165 | 40 271 557 | 42 533 640 | 40 795 018 | 43 072 805 | Cash after profit and before allocation=2801248 Réinvestissement de 2262083 |
| 59 | 98 | 0 | 165 880 | 2 552 018 | 22 769 | 2 408 907 | 539 165 | 555 340 | 555 340 | 42 533 640 | 44 926 372 | 43 072 805 | 45 481 712 | Cash after profit and before allocation=2948072 Réinvestissement de 2392732 |
| 60 | 99 | 0 | 170 856 | 2 695 582 | 22 996 | 2 547 722 | 555 340 | 572 000 | 572 000 | 44 926 372 | 47 457 434 | 45 481 712 | 48 029 434 | Cash after profit and before allocation=3103062 Réinvestissement de 2531062 |
| 61 | 100 | 0 | 175 982 | 2 847 446 | 23 226 | 2 694 690 | 572 000 | 589 160 | 589 160 | 47 457 434 | 50 134 964 | 48 029 434 | 50 724 124 | Cash after profit and before allocation=3266690 Réinvestissement de 2677530 |
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