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 54M€ Do you really want to be the richest person in the cemetery? You could spend 86,000€ more per year to end up spending everything and leaving nothing behind. That still makes 236€ 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 | 120 000 | 0 | 129 100 | 70 000 | 100 000 | 100 000 | 2 000 000 | 2 099 100 | 2 070 000 | 2 199 100 | Cash after profit and before allocation=199100 Réinvestissement de 99100 |
| 2 | 41 | 41 200 | 31 827 | 125 946 | 0 | 135 319 | 100 000 | 103 000 | 103 000 | 2 099 100 | 2 231 419 | 2 199 100 | 2 334 419 | Cash after profit and before allocation=235319 Réinvestissement de 132319 |
| 3 | 42 | 42 436 | 32 782 | 133 885 | 0 | 143 539 | 103 000 | 106 090 | 106 090 | 2 231 419 | 2 371 868 | 2 334 419 | 2 477 958 | Cash after profit and before allocation=246539 Réinvestissement de 140449 |
| 4 | 43 | 43 709 | 33 765 | 142 312 | 0 | 152 256 | 106 090 | 109 273 | 109 273 | 2 371 868 | 2 520 941 | 2 477 958 | 2 630 214 | Cash after profit and before allocation=258346 Réinvestissement de 149073 |
| 5 | 44 | 45 020 | 34 778 | 151 256 | 0 | 161 498 | 109 273 | 112 551 | 112 551 | 2 520 941 | 2 679 161 | 2 630 214 | 2 791 712 | Cash after profit and before allocation=270771 Réinvestissement de 158220 |
| 6 | 45 | 46 371 | 35 822 | 160 750 | 0 | 171 299 | 112 551 | 115 927 | 115 927 | 2 679 161 | 2 847 084 | 2 791 712 | 2 963 011 | Cash after profit and before allocation=283850 Réinvestissement de 167923 |
| 7 | 46 | 47 762 | 36 896 | 170 825 | 0 | 181 691 | 115 927 | 119 405 | 119 405 | 2 847 084 | 3 025 297 | 2 963 011 | 3 144 702 | Cash after profit and before allocation=297618 Réinvestissement de 178213 |
| 8 | 47 | 49 195 | 38 003 | 181 518 | 0 | 192 710 | 119 405 | 122 987 | 122 987 | 3 025 297 | 3 214 425 | 3 144 702 | 3 337 412 | Cash after profit and before allocation=312115 Réinvestissement de 189128 |
| 9 | 48 | 50 671 | 39 143 | 192 866 | 0 | 204 394 | 122 987 | 126 677 | 126 677 | 3 214 425 | 3 415 129 | 3 337 412 | 3 541 806 | Cash after profit and before allocation=327381 Réinvestissement de 200704 |
| 10 | 49 | 52 191 | 40 317 | 204 908 | 0 | 216 782 | 126 677 | 130 477 | 130 477 | 3 415 129 | 3 628 111 | 3 541 806 | 3 758 588 | Cash after profit and before allocation=343459 Réinvestissement de 212982 |
| 11 | 50 | 53 757 | 41 527 | 217 687 | 0 | 229 917 | 130 477 | 134 392 | 134 392 | 3 628 111 | 3 854 113 | 3 758 588 | 3 988 505 | Cash after profit and before allocation=360394 Réinvestissement de 226002 |
| 12 | 51 | 55 369 | 42 773 | 231 247 | 0 | 243 843 | 134 392 | 138 423 | 138 423 | 3 854 113 | 4 093 925 | 3 988 505 | 4 232 348 | Cash after profit and before allocation=378235 Réinvestissement de 239812 |
| 13 | 52 | 0 | 42 587 | 245 636 | 0 | 203 049 | 138 423 | 142 576 | 142 576 | 4 093 925 | 4 292 821 | 4 232 348 | 4 435 397 | Cash after profit and before allocation=341472 Réinvestissement de 198896 |
| 14 | 53 | 0 | 43 865 | 257 569 | 0 | 213 704 | 142 576 | 146 853 | 146 853 | 4 292 821 | 4 502 248 | 4 435 397 | 4 649 101 | Cash after profit and before allocation=356280 Réinvestissement de 209427 |
| 15 | 54 | 0 | 45 181 | 270 135 | 0 | 224 954 | 146 853 | 151 259 | 151 259 | 4 502 248 | 4 722 796 | 4 649 101 | 4 874 055 | Cash after profit and before allocation=371807 Réinvestissement de 220548 |
| 16 | 55 | 0 | 46 536 | 283 368 | 0 | 236 832 | 151 259 | 155 797 | 155 797 | 4 722 796 | 4 955 090 | 4 874 055 | 5 110 887 | Cash after profit and before allocation=388091 Réinvestissement de 232294 |
| 17 | 56 | 0 | 47 933 | 297 305 | 0 | 249 372 | 155 797 | 160 471 | 160 471 | 4 955 090 | 5 199 788 | 5 110 887 | 5 360 259 | Cash after profit and before allocation=405169 Réinvestissement de 244698 |
| 18 | 57 | 0 | 49 371 | 311 987 | 0 | 262 616 | 160 471 | 165 285 | 165 285 | 5 199 788 | 5 457 590 | 5 360 259 | 5 622 875 | Cash after profit and before allocation=423087 Réinvestissement de 257802 |
| 19 | 58 | 0 | 50 852 | 327 455 | 0 | 276 603 | 165 285 | 170 243 | 170 243 | 5 457 590 | 5 729 235 | 5 622 875 | 5 899 478 | Cash after profit and before allocation=441888 Réinvestissement de 271645 |
| 20 | 59 | 0 | 52 377 | 343 754 | 0 | 291 377 | 170 243 | 175 351 | 175 351 | 5 729 235 | 6 015 504 | 5 899 478 | 6 190 855 | Cash after profit and before allocation=461620 Réinvestissement de 286269 |
| 21 | 60 | 0 | 53 949 | 360 930 | 15 600 | 322 581 | 175 351 | 180 611 | 180 611 | 6 015 504 | 6 332 825 | 6 190 855 | 6 513 436 | Cash after profit and before allocation=497932 Réinvestissement de 317321 |
| 22 | 61 | 0 | 55 567 | 379 970 | 15 756 | 340 159 | 180 611 | 186 029 | 186 029 | 6 332 825 | 6 667 566 | 6 513 436 | 6 853 595 | Cash after profit and before allocation=520770 Réinvestissement de 334741 |
| 23 | 62 | 0 | 57 234 | 400 054 | 15 914 | 358 734 | 186 029 | 191 610 | 191 610 | 6 667 566 | 7 020 719 | 6 853 595 | 7 212 329 | Cash after profit and before allocation=544763 Réinvestissement de 353153 |
| 24 | 63 | 0 | 58 951 | 421 243 | 16 073 | 378 365 | 191 610 | 197 359 | 197 359 | 7 020 719 | 7 393 335 | 7 212 329 | 7 590 694 | Cash after profit and before allocation=569975 Réinvestissement de 372616 |
| 25 | 64 | 0 | 60 720 | 443 600 | 16 233 | 399 113 | 197 359 | 203 279 | 203 279 | 7 393 335 | 7 786 528 | 7 590 694 | 7 989 807 | Cash after profit and before allocation=596472 Réinvestissement de 393193 |
| 26 | 65 | 0 | 62 541 | 467 192 | 16 396 | 421 047 | 203 279 | 209 378 | 209 378 | 7 786 528 | 8 201 476 | 7 989 807 | 8 410 854 | Cash after profit and before allocation=624326 Réinvestissement de 414948 |
| 27 | 66 | 0 | 64 417 | 492 089 | 16 560 | 444 232 | 209 378 | 215 659 | 215 659 | 8 201 476 | 8 639 427 | 8 410 854 | 8 855 086 | Cash after profit and before allocation=653610 Réinvestissement de 437951 |
| 28 | 67 | 0 | 66 350 | 518 366 | 16 725 | 468 741 | 215 659 | 222 129 | 222 129 | 8 639 427 | 9 101 698 | 8 855 086 | 9 323 827 | Cash after profit and before allocation=684400 Réinvestissement de 462271 |
| 29 | 68 | 0 | 68 340 | 546 102 | 16 893 | 494 655 | 222 129 | 228 793 | 228 793 | 9 101 698 | 9 589 689 | 9 323 827 | 9 818 482 | Cash after profit and before allocation=716784 Réinvestissement de 487991 |
| 30 | 69 | 0 | 70 391 | 575 381 | 17 061 | 522 051 | 228 793 | 235 657 | 235 657 | 9 589 689 | 10 104 876 | 9 818 482 | 10 340 533 | Cash after profit and before allocation=750844 Réinvestissement de 515187 |
| 31 | 70 | 0 | 72 502 | 606 293 | 17 232 | 551 023 | 235 657 | 242 726 | 242 726 | 10 104 876 | 10 648 830 | 10 340 533 | 10 891 556 | Cash after profit and before allocation=786680 Réinvestissement de 543954 |
| 32 | 71 | 0 | 74 677 | 638 930 | 17 404 | 581 657 | 242 726 | 250 008 | 250 008 | 10 648 830 | 11 223 205 | 10 891 556 | 11 473 213 | Cash after profit and before allocation=824383 Réinvestissement de 574375 |
| 33 | 72 | 0 | 76 918 | 673 392 | 17 578 | 614 052 | 250 008 | 257 508 | 257 508 | 11 223 205 | 11 829 757 | 11 473 213 | 12 087 265 | Cash after profit and before allocation=864060 Réinvestissement de 606552 |
| 34 | 73 | 0 | 79 225 | 709 785 | 17 754 | 648 314 | 257 508 | 265 234 | 265 234 | 11 829 757 | 12 470 345 | 12 087 265 | 12 735 579 | Cash after profit and before allocation=905822 Réinvestissement de 640588 |
| 35 | 74 | 0 | 81 602 | 748 221 | 17 932 | 684 551 | 265 234 | 273 191 | 273 191 | 12 470 345 | 13 146 939 | 12 735 579 | 13 420 130 | Cash after profit and before allocation=949785 Réinvestissement de 676594 |
| 36 | 75 | 0 | 84 050 | 788 816 | 18 111 | 722 877 | 273 191 | 281 386 | 281 386 | 13 146 939 | 13 861 621 | 13 420 130 | 14 143 007 | Cash after profit and before allocation=996068 Réinvestissement de 714682 |
| 37 | 76 | 0 | 86 572 | 831 697 | 18 292 | 763 417 | 281 386 | 289 828 | 289 828 | 13 861 621 | 14 616 596 | 14 143 007 | 14 906 424 | Cash after profit and before allocation=1044803 Réinvestissement de 754975 |
| 38 | 77 | 0 | 89 169 | 876 996 | 18 475 | 806 302 | 289 828 | 298 523 | 298 523 | 14 616 596 | 15 414 203 | 14 906 424 | 15 712 726 | Cash after profit and before allocation=1096130 Réinvestissement de 797607 |
| 39 | 78 | 0 | 91 844 | 924 852 | 18 660 | 851 668 | 298 523 | 307 478 | 307 478 | 15 414 203 | 16 256 916 | 15 712 726 | 16 564 394 | Cash after profit and before allocation=1150191 Réinvestissement de 842713 |
| 40 | 79 | 0 | 94 599 | 975 415 | 18 846 | 899 662 | 307 478 | 316 703 | 316 703 | 16 256 916 | 17 147 353 | 16 564 394 | 17 464 056 | Cash after profit and before allocation=1207140 Réinvestissement de 890437 |
| 41 | 80 | 0 | 97 437 | 1 028 841 | 19 035 | 950 439 | 316 703 | 326 204 | 326 204 | 17 147 353 | 18 088 291 | 17 464 056 | 18 414 495 | Cash after profit and before allocation=1267142 Réinvestissement de 940938 |
| 42 | 81 | 0 | 100 360 | 1 085 297 | 19 225 | 1 004 162 | 326 204 | 335 990 | 335 990 | 18 088 291 | 19 082 667 | 18 414 495 | 19 418 657 | Cash after profit and before allocation=1330366 Réinvestissement de 994376 |
| 43 | 82 | 0 | 103 371 | 1 144 960 | 19 418 | 1 061 007 | 335 990 | 346 070 | 346 070 | 19 082 667 | 20 133 594 | 19 418 657 | 20 479 664 | Cash after profit and before allocation=1396997 Réinvestissement de 1050927 |
| 44 | 83 | 0 | 106 472 | 1 208 016 | 19 612 | 1 121 156 | 346 070 | 356 452 | 356 452 | 20 133 594 | 21 244 368 | 20 479 664 | 21 600 820 | Cash after profit and before allocation=1467226 Réinvestissement de 1110774 |
| 45 | 84 | 0 | 109 666 | 1 274 662 | 19 808 | 1 184 804 | 356 452 | 367 145 | 367 145 | 21 244 368 | 22 418 479 | 21 600 820 | 22 785 624 | Cash after profit and before allocation=1541256 Réinvestissement de 1174111 |
| 46 | 85 | 0 | 112 956 | 1 345 109 | 20 006 | 1 252 159 | 367 145 | 378 160 | 378 160 | 22 418 479 | 23 659 623 | 22 785 624 | 24 037 783 | Cash after profit and before allocation=1619304 Réinvestissement de 1241144 |
| 47 | 86 | 0 | 116 345 | 1 419 577 | 20 206 | 1 323 438 | 378 160 | 389 504 | 389 504 | 23 659 623 | 24 971 717 | 24 037 783 | 25 361 221 | Cash after profit and before allocation=1701598 Réinvestissement de 1312094 |
| 48 | 87 | 0 | 119 835 | 1 498 303 | 20 408 | 1 398 876 | 389 504 | 401 190 | 401 190 | 24 971 717 | 26 358 907 | 25 361 221 | 26 760 097 | Cash after profit and before allocation=1788380 Réinvestissement de 1387190 |
| 49 | 88 | 0 | 123 430 | 1 581 534 | 20 612 | 1 478 716 | 401 190 | 413 225 | 413 225 | 26 358 907 | 27 825 588 | 26 760 097 | 28 238 813 | Cash after profit and before allocation=1879906 Réinvestissement de 1466681 |
| 50 | 89 | 0 | 127 133 | 1 669 535 | 20 818 | 1 563 220 | 413 225 | 425 622 | 425 622 | 27 825 588 | 29 376 411 | 28 238 813 | 29 802 033 | Cash after profit and before allocation=1976445 Réinvestissement de 1550823 |
| 51 | 90 | 0 | 130 947 | 1 762 585 | 21 026 | 1 652 664 | 425 622 | 438 391 | 438 391 | 29 376 411 | 31 016 306 | 29 802 033 | 31 454 697 | Cash after profit and before allocation=2078286 Réinvestissement de 1639895 |
| 52 | 91 | 0 | 134 876 | 1 860 978 | 21 237 | 1 747 339 | 438 391 | 451 542 | 451 542 | 31 016 306 | 32 750 494 | 31 454 697 | 33 202 036 | Cash after profit and before allocation=2185730 Réinvestissement de 1734188 |
| 53 | 92 | 0 | 138 922 | 1 965 030 | 21 449 | 1 847 557 | 451 542 | 465 089 | 465 089 | 32 750 494 | 34 584 504 | 33 202 036 | 35 049 593 | Cash after profit and before allocation=2299099 Réinvestissement de 1834010 |
| 54 | 93 | 0 | 143 090 | 2 075 070 | 21 664 | 1 953 644 | 465 089 | 479 041 | 479 041 | 34 584 504 | 36 524 196 | 35 049 593 | 37 003 237 | Cash after profit and before allocation=2418733 Réinvestissement de 1939692 |
| 55 | 94 | 0 | 147 382 | 2 191 452 | 21 880 | 2 065 950 | 479 041 | 493 412 | 493 412 | 36 524 196 | 38 575 775 | 37 003 237 | 39 069 187 | Cash after profit and before allocation=2544991 Réinvestissement de 2051579 |
| 56 | 95 | 0 | 151 804 | 2 314 547 | 22 099 | 2 184 842 | 493 412 | 508 215 | 508 215 | 38 575 775 | 40 745 814 | 39 069 187 | 41 254 029 | Cash after profit and before allocation=2678254 Réinvestissement de 2170039 |
| 57 | 96 | 0 | 156 358 | 2 444 749 | 22 320 | 2 310 711 | 508 215 | 523 461 | 523 461 | 40 745 814 | 43 041 279 | 41 254 029 | 43 564 740 | Cash after profit and before allocation=2818926 Réinvestissement de 2295465 |
| 58 | 97 | 0 | 161 049 | 2 582 477 | 22 543 | 2 443 971 | 523 461 | 539 165 | 539 165 | 43 041 279 | 45 469 546 | 43 564 740 | 46 008 711 | Cash after profit and before allocation=2967432 Réinvestissement de 2428267 |
| 59 | 98 | 0 | 165 880 | 2 728 173 | 22 769 | 2 585 062 | 539 165 | 555 340 | 555 340 | 45 469 546 | 48 038 433 | 46 008 711 | 48 593 773 | Cash after profit and before allocation=3124227 Réinvestissement de 2568887 |
| 60 | 99 | 0 | 170 856 | 2 882 306 | 22 996 | 2 734 446 | 555 340 | 572 000 | 572 000 | 48 038 433 | 50 756 219 | 48 593 773 | 51 328 219 | Cash after profit and before allocation=3289786 Réinvestissement de 2717786 |
| 61 | 100 | 0 | 175 982 | 3 045 373 | 23 226 | 2 892 617 | 572 000 | 589 160 | 589 160 | 50 756 219 | 53 631 676 | 51 328 219 | 54 220 836 | Cash after profit and before allocation=3464617 Réinvestissement de 2875457 |
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