marcbluersky.com
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.
⚠️ Caution, you will have nothing left at the age of 74 ans.
| 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 | 12 000 | 0 | 21 100 | 70 000 | 91 100 | 100 000 | 200 000 | 200 000 | 270 000 | 291 100 | Cash after profit and before allocation=91100 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 2 | 41 | 41 200 | 31 827 | 12 000 | 0 | 21 373 | 91 100 | 103 000 | 103 000 | 200 000 | 209 473 | 291 100 | 312 473 | Cash after profit and before allocation=112473 Réinvestissement de 9473 |
| 3 | 42 | 42 436 | 32 782 | 12 568 | 0 | 22 222 | 103 000 | 106 090 | 106 090 | 209 473 | 228 605 | 312 473 | 334 695 | Cash after profit and before allocation=125222 Réinvestissement de 19132 |
| 4 | 43 | 43 709 | 33 765 | 13 716 | 0 | 23 660 | 106 090 | 109 273 | 109 273 | 228 605 | 249 082 | 334 695 | 358 355 | Cash after profit and before allocation=129750 Réinvestissement de 20477 |
| 5 | 44 | 45 020 | 34 778 | 14 945 | 0 | 25 187 | 109 273 | 112 551 | 112 551 | 249 082 | 270 991 | 358 355 | 383 542 | Cash after profit and before allocation=134460 Réinvestissement de 21909 |
| 6 | 45 | 46 371 | 35 822 | 16 259 | 0 | 26 808 | 112 551 | 115 927 | 115 927 | 270 991 | 294 423 | 383 542 | 410 350 | Cash after profit and before allocation=139359 Réinvestissement de 23432 |
| 7 | 46 | 47 762 | 36 896 | 17 665 | 0 | 28 531 | 115 927 | 119 405 | 119 405 | 294 423 | 319 476 | 410 350 | 438 881 | Cash after profit and before allocation=144458 Réinvestissement de 25053 |
| 8 | 47 | 49 195 | 38 003 | 19 169 | 0 | 30 361 | 119 405 | 122 987 | 122 987 | 319 476 | 346 255 | 438 881 | 469 242 | Cash after profit and before allocation=149766 Réinvestissement de 26779 |
| 9 | 48 | 50 671 | 39 143 | 20 775 | 0 | 32 303 | 122 987 | 126 677 | 126 677 | 346 255 | 374 868 | 469 242 | 501 545 | Cash after profit and before allocation=155290 Réinvestissement de 28613 |
| 10 | 49 | 52 191 | 40 317 | 22 492 | 0 | 34 366 | 126 677 | 130 477 | 130 477 | 374 868 | 405 434 | 501 545 | 535 911 | Cash after profit and before allocation=161043 Réinvestissement de 30566 |
| 11 | 50 | 53 757 | 41 527 | 24 326 | 0 | 36 556 | 130 477 | 134 392 | 134 392 | 405 434 | 438 075 | 535 911 | 572 467 | Cash after profit and before allocation=167033 Réinvestissement de 32641 |
| 12 | 51 | 55 369 | 42 773 | 26 285 | 0 | 38 881 | 134 392 | 138 423 | 138 423 | 438 075 | 472 925 | 572 467 | 611 348 | Cash after profit and before allocation=173273 Réinvestissement de 34850 |
| 13 | 52 | 0 | 42 587 | 28 376 | 0 | -14 211 | 138 423 | 124 212 | 142 576 | 472 925 | 472 925 | 611 348 | 597 137 | Cash after profit and before allocation=124212 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 14 | 53 | 0 | 43 865 | 28 376 | 0 | -15 489 | 124 212 | 108 723 | 146 853 | 472 925 | 472 925 | 597 137 | 581 648 | Cash after profit and before allocation=108723 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 15 | 54 | 0 | 45 181 | 28 376 | 0 | -16 805 | 108 723 | 91 918 | 151 259 | 472 925 | 472 925 | 581 648 | 564 843 | Cash after profit and before allocation=91918 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 16 | 55 | 0 | 46 536 | 28 376 | 0 | -18 160 | 91 918 | 73 758 | 155 797 | 472 925 | 472 925 | 564 843 | 546 683 | Cash after profit and before allocation=73758 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 17 | 56 | 0 | 47 933 | 28 376 | 0 | -19 557 | 73 758 | 54 201 | 160 471 | 472 925 | 472 925 | 546 683 | 527 126 | Cash after profit and before allocation=54201 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 18 | 57 | 0 | 49 371 | 28 376 | 0 | -20 995 | 54 201 | 33 206 | 165 285 | 472 925 | 472 925 | 527 126 | 506 131 | Cash after profit and before allocation=33206 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 19 | 58 | 0 | 50 852 | 28 376 | 0 | -22 476 | 33 206 | 10 730 | 170 243 | 472 925 | 472 925 | 506 131 | 483 655 | Cash after profit and before allocation=10730 cash_before_reallocation ∈ [0,cash_cible] -> on accumule dans l'épargne de précaution, pas de réinvestissement |
| 20 | 59 | 0 | 52 377 | 28 376 | 0 | -24 001 | 10 730 | 0 | 175 351 | 472 925 | 459 654 | 483 655 | 459 654 | Cash after profit and before allocation=-13271 Désinvestissement de -13271 |
| 21 | 60 | 0 | 53 949 | 27 579 | 15 600 | -10 770 | 0 | 0 | 180 611 | 459 654 | 448 884 | 459 654 | 448 884 | Cash after profit and before allocation=-10770 Désinvestissement de -10770 |
| 22 | 61 | 0 | 55 567 | 26 933 | 15 756 | -12 878 | 0 | 0 | 186 029 | 448 884 | 436 006 | 448 884 | 436 006 | Cash after profit and before allocation=-12878 Désinvestissement de -12878 |
| 23 | 62 | 0 | 57 234 | 26 160 | 15 914 | -15 160 | 0 | 0 | 191 610 | 436 006 | 420 846 | 436 006 | 420 846 | Cash after profit and before allocation=-15160 Désinvestissement de -15160 |
| 24 | 63 | 0 | 58 951 | 25 251 | 16 073 | -17 627 | 0 | 0 | 197 359 | 420 846 | 403 219 | 420 846 | 403 219 | Cash after profit and before allocation=-17627 Désinvestissement de -17627 |
| 25 | 64 | 0 | 60 720 | 24 193 | 16 233 | -20 294 | 0 | 0 | 203 279 | 403 219 | 382 925 | 403 219 | 382 925 | Cash after profit and before allocation=-20294 Désinvestissement de -20294 |
| 26 | 65 | 0 | 62 541 | 22 976 | 16 396 | -23 169 | 0 | 0 | 209 378 | 382 925 | 359 756 | 382 925 | 359 756 | Cash after profit and before allocation=-23169 Désinvestissement de -23169 |
| 27 | 66 | 0 | 64 417 | 21 585 | 16 560 | -26 272 | 0 | 0 | 215 659 | 359 756 | 333 484 | 359 756 | 333 484 | Cash after profit and before allocation=-26272 Désinvestissement de -26272 |
| 28 | 67 | 0 | 66 350 | 20 009 | 16 725 | -29 616 | 0 | 0 | 222 129 | 333 484 | 303 868 | 333 484 | 303 868 | Cash after profit and before allocation=-29616 Désinvestissement de -29616 |
| 29 | 68 | 0 | 68 340 | 18 232 | 16 893 | -33 215 | 0 | 0 | 228 793 | 303 868 | 270 653 | 303 868 | 270 653 | Cash after profit and before allocation=-33215 Désinvestissement de -33215 |
| 30 | 69 | 0 | 70 391 | 16 239 | 17 061 | -37 091 | 0 | 0 | 235 657 | 270 653 | 233 562 | 270 653 | 233 562 | Cash after profit and before allocation=-37091 Désinvestissement de -37091 |
| 31 | 70 | 0 | 72 502 | 14 014 | 17 232 | -41 256 | 0 | 0 | 242 726 | 233 562 | 192 306 | 233 562 | 192 306 | Cash after profit and before allocation=-41256 Désinvestissement de -41256 |
| 32 | 71 | 0 | 74 677 | 11 538 | 17 404 | -45 735 | 0 | 0 | 250 008 | 192 306 | 146 571 | 192 306 | 146 571 | Cash after profit and before allocation=-45735 Désinvestissement de -45735 |
| 33 | 72 | 0 | 76 918 | 8 794 | 17 578 | -50 546 | 0 | 0 | 257 508 | 146 571 | 96 025 | 146 571 | 96 025 | Cash after profit and before allocation=-50546 Désinvestissement de -50546 |
| 34 | 73 | 0 | 79 225 | 5 762 | 17 754 | -55 709 | 0 | 0 | 265 234 | 96 025 | 40 316 | 96 025 | 40 316 | Cash after profit and before allocation=-55709 Désinvestissement de -55709 |
| 35 | 74 | 0 | 81 602 | 2 419 | 17 932 | -61 251 | 0 | 0 | 273 191 | 40 316 | 0 | 40 316 | 0 | Cash after profit and before allocation=-61251 Désinvestissement de -61251 |
| 36 | 75 | 0 | 84 050 | 0 | 18 111 | -65 939 | 0 | 0 | 281 386 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-65939 Désinvestissement de -65939 |
| 37 | 76 | 0 | 86 572 | 0 | 18 292 | -68 280 | 0 | 0 | 289 828 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-68280 Désinvestissement de -68280 |
| 38 | 77 | 0 | 89 169 | 0 | 18 475 | -70 694 | 0 | 0 | 298 523 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-70694 Désinvestissement de -70694 |
| 39 | 78 | 0 | 91 844 | 0 | 18 660 | -73 184 | 0 | 0 | 307 478 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-73184 Désinvestissement de -73184 |
| 40 | 79 | 0 | 94 599 | 0 | 18 846 | -75 753 | 0 | 0 | 316 703 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-75753 Désinvestissement de -75753 |
| 41 | 80 | 0 | 97 437 | 0 | 19 035 | -78 402 | 0 | 0 | 326 204 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-78402 Désinvestissement de -78402 |
| 42 | 81 | 0 | 100 360 | 0 | 19 225 | -81 135 | 0 | 0 | 335 990 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-81135 Désinvestissement de -81135 |
| 43 | 82 | 0 | 103 371 | 0 | 19 418 | -83 953 | 0 | 0 | 346 070 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-83953 Désinvestissement de -83953 |
| 44 | 83 | 0 | 106 472 | 0 | 19 612 | -86 860 | 0 | 0 | 356 452 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-86860 Désinvestissement de -86860 |
| 45 | 84 | 0 | 109 666 | 0 | 19 808 | -89 858 | 0 | 0 | 367 145 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-89858 Désinvestissement de -89858 |
| 46 | 85 | 0 | 112 956 | 0 | 20 006 | -92 950 | 0 | 0 | 378 160 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-92950 Désinvestissement de -92950 |
| 47 | 86 | 0 | 116 345 | 0 | 20 206 | -96 139 | 0 | 0 | 389 504 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-96139 Désinvestissement de -96139 |
| 48 | 87 | 0 | 119 835 | 0 | 20 408 | -99 427 | 0 | 0 | 401 190 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-99427 Désinvestissement de -99427 |
| 49 | 88 | 0 | 123 430 | 0 | 20 612 | -102 818 | 0 | 0 | 413 225 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-102818 Désinvestissement de -102818 |
| 50 | 89 | 0 | 127 133 | 0 | 20 818 | -106 315 | 0 | 0 | 425 622 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-106315 Désinvestissement de -106315 |
| 51 | 90 | 0 | 130 947 | 0 | 21 026 | -109 921 | 0 | 0 | 438 391 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-109921 Désinvestissement de -109921 |
| 52 | 91 | 0 | 134 876 | 0 | 21 237 | -113 639 | 0 | 0 | 451 542 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-113639 Désinvestissement de -113639 |
| 53 | 92 | 0 | 138 922 | 0 | 21 449 | -117 473 | 0 | 0 | 465 089 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-117473 Désinvestissement de -117473 |
| 54 | 93 | 0 | 143 090 | 0 | 21 664 | -121 426 | 0 | 0 | 479 041 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-121426 Désinvestissement de -121426 |
| 55 | 94 | 0 | 147 382 | 0 | 21 880 | -125 502 | 0 | 0 | 493 412 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-125502 Désinvestissement de -125502 |
| 56 | 95 | 0 | 151 804 | 0 | 22 099 | -129 705 | 0 | 0 | 508 215 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-129705 Désinvestissement de -129705 |
| 57 | 96 | 0 | 156 358 | 0 | 22 320 | -134 038 | 0 | 0 | 523 461 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-134038 Désinvestissement de -134038 |
| 58 | 97 | 0 | 161 049 | 0 | 22 543 | -138 506 | 0 | 0 | 539 165 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-138506 Désinvestissement de -138506 |
| 59 | 98 | 0 | 165 880 | 0 | 22 769 | -143 111 | 0 | 0 | 555 340 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-143111 Désinvestissement de -143111 |
| 60 | 99 | 0 | 170 856 | 0 | 22 996 | -147 860 | 0 | 0 | 572 000 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-147860 Désinvestissement de -147860 |
| 61 | 100 | 0 | 175 982 | 0 | 23 226 | -152 756 | 0 | 0 | 589 160 | 0 | 0 | 0 | 0 | Cash after profit and before allocation=-152756 Désinvestissement de -152756 |
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