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 5M€ Do you really want to be the richest person in the cemetery? You could spend 9,500€ more per year to end up spending everything and leaving nothing behind. That still makes 26€ 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 | 36 000 | 0 | 45 100 | 70 000 | 100 000 | 100 000 | 600 000 | 615 100 | 670 000 | 715 100 | Cash after profit and before allocation=115100 Réinvestissement de 15100 |
| 2 | 41 | 41 200 | 31 827 | 36 906 | 0 | 46 279 | 100 000 | 103 000 | 103 000 | 615 100 | 658 379 | 715 100 | 761 379 | Cash after profit and before allocation=146279 Réinvestissement de 43279 |
| 3 | 42 | 42 436 | 32 782 | 39 503 | 0 | 49 157 | 103 000 | 106 090 | 106 090 | 658 379 | 704 446 | 761 379 | 810 536 | Cash after profit and before allocation=152157 Réinvestissement de 46067 |
| 4 | 43 | 43 709 | 33 765 | 42 267 | 0 | 52 211 | 106 090 | 109 273 | 109 273 | 704 446 | 753 474 | 810 536 | 862 747 | Cash after profit and before allocation=158301 Réinvestissement de 49028 |
| 5 | 44 | 45 020 | 34 778 | 45 208 | 0 | 55 450 | 109 273 | 112 551 | 112 551 | 753 474 | 805 646 | 862 747 | 918 197 | Cash after profit and before allocation=164723 Réinvestissement de 52172 |
| 6 | 45 | 46 371 | 35 822 | 48 339 | 0 | 58 888 | 112 551 | 115 927 | 115 927 | 805 646 | 861 158 | 918 197 | 977 085 | Cash after profit and before allocation=171439 Réinvestissement de 55512 |
| 7 | 46 | 47 762 | 36 896 | 51 669 | 0 | 62 535 | 115 927 | 119 405 | 119 405 | 861 158 | 920 215 | 977 085 | 1 039 620 | Cash after profit and before allocation=178462 Réinvestissement de 59057 |
| 8 | 47 | 49 195 | 38 003 | 55 213 | 0 | 66 405 | 119 405 | 122 987 | 122 987 | 920 215 | 983 038 | 1 039 620 | 1 106 025 | Cash after profit and before allocation=185810 Réinvestissement de 62823 |
| 9 | 48 | 50 671 | 39 143 | 58 982 | 0 | 70 510 | 122 987 | 126 677 | 126 677 | 983 038 | 1 049 858 | 1 106 025 | 1 176 535 | Cash after profit and before allocation=193497 Réinvestissement de 66820 |
| 10 | 49 | 52 191 | 40 317 | 62 991 | 0 | 74 865 | 126 677 | 130 477 | 130 477 | 1 049 858 | 1 120 923 | 1 176 535 | 1 251 400 | Cash after profit and before allocation=201542 Réinvestissement de 71065 |
| 11 | 50 | 53 757 | 41 527 | 67 255 | 0 | 79 485 | 130 477 | 134 392 | 134 392 | 1 120 923 | 1 196 493 | 1 251 400 | 1 330 885 | Cash after profit and before allocation=209962 Réinvestissement de 75570 |
| 12 | 51 | 55 369 | 42 773 | 71 790 | 0 | 84 386 | 134 392 | 138 423 | 138 423 | 1 196 493 | 1 276 848 | 1 330 885 | 1 415 271 | Cash after profit and before allocation=218778 Réinvestissement de 80355 |
| 13 | 52 | 0 | 42 587 | 76 611 | 0 | 34 024 | 138 423 | 142 576 | 142 576 | 1 276 848 | 1 306 719 | 1 415 271 | 1 449 295 | Cash after profit and before allocation=172447 Réinvestissement de 29871 |
| 14 | 53 | 0 | 43 865 | 78 403 | 0 | 34 538 | 142 576 | 146 853 | 146 853 | 1 306 719 | 1 336 980 | 1 449 295 | 1 483 833 | Cash after profit and before allocation=177114 Réinvestissement de 30261 |
| 15 | 54 | 0 | 45 181 | 80 219 | 0 | 35 038 | 146 853 | 151 259 | 151 259 | 1 336 980 | 1 367 612 | 1 483 833 | 1 518 871 | Cash after profit and before allocation=181891 Réinvestissement de 30632 |
| 16 | 55 | 0 | 46 536 | 82 057 | 0 | 35 521 | 151 259 | 155 797 | 155 797 | 1 367 612 | 1 398 595 | 1 518 871 | 1 554 392 | Cash after profit and before allocation=186780 Réinvestissement de 30983 |
| 17 | 56 | 0 | 47 933 | 83 916 | 0 | 35 983 | 155 797 | 160 471 | 160 471 | 1 398 595 | 1 429 904 | 1 554 392 | 1 590 375 | Cash after profit and before allocation=191780 Réinvestissement de 31309 |
| 18 | 57 | 0 | 49 371 | 85 794 | 0 | 36 423 | 160 471 | 165 285 | 165 285 | 1 429 904 | 1 461 513 | 1 590 375 | 1 626 798 | Cash after profit and before allocation=196894 Réinvestissement de 31609 |
| 19 | 58 | 0 | 50 852 | 87 691 | 0 | 36 839 | 165 285 | 170 243 | 170 243 | 1 461 513 | 1 493 394 | 1 626 798 | 1 663 637 | Cash after profit and before allocation=202124 Réinvestissement de 31881 |
| 20 | 59 | 0 | 52 377 | 89 604 | 0 | 37 227 | 170 243 | 175 351 | 175 351 | 1 493 394 | 1 525 513 | 1 663 637 | 1 700 864 | Cash after profit and before allocation=207470 Réinvestissement de 32119 |
| 21 | 60 | 0 | 53 949 | 91 531 | 15 600 | 53 182 | 175 351 | 180 611 | 180 611 | 1 525 513 | 1 573 435 | 1 700 864 | 1 754 046 | Cash after profit and before allocation=228533 Réinvestissement de 47922 |
| 22 | 61 | 0 | 55 567 | 94 406 | 15 756 | 54 595 | 180 611 | 186 029 | 186 029 | 1 573 435 | 1 622 612 | 1 754 046 | 1 808 641 | Cash after profit and before allocation=235206 Réinvestissement de 49177 |
| 23 | 62 | 0 | 57 234 | 97 357 | 15 914 | 56 037 | 186 029 | 191 610 | 191 610 | 1 622 612 | 1 673 068 | 1 808 641 | 1 864 678 | Cash after profit and before allocation=242066 Réinvestissement de 50456 |
| 24 | 63 | 0 | 58 951 | 100 384 | 16 073 | 57 506 | 191 610 | 197 359 | 197 359 | 1 673 068 | 1 724 825 | 1 864 678 | 1 922 184 | Cash after profit and before allocation=249116 Réinvestissement de 51757 |
| 25 | 64 | 0 | 60 720 | 103 490 | 16 233 | 59 003 | 197 359 | 203 279 | 203 279 | 1 724 825 | 1 777 908 | 1 922 184 | 1 981 187 | Cash after profit and before allocation=256362 Réinvestissement de 53083 |
| 26 | 65 | 0 | 62 541 | 106 674 | 16 396 | 60 529 | 203 279 | 209 378 | 209 378 | 1 777 908 | 1 832 338 | 1 981 187 | 2 041 716 | Cash after profit and before allocation=263808 Réinvestissement de 54430 |
| 27 | 66 | 0 | 64 417 | 109 940 | 16 560 | 62 083 | 209 378 | 215 659 | 215 659 | 1 832 338 | 1 888 140 | 2 041 716 | 2 103 799 | Cash after profit and before allocation=271461 Réinvestissement de 55802 |
| 28 | 67 | 0 | 66 350 | 113 288 | 16 725 | 63 663 | 215 659 | 222 129 | 222 129 | 1 888 140 | 1 945 333 | 2 103 799 | 2 167 462 | Cash after profit and before allocation=279322 Réinvestissement de 57193 |
| 29 | 68 | 0 | 68 340 | 116 720 | 16 893 | 65 273 | 222 129 | 228 793 | 228 793 | 1 945 333 | 2 003 942 | 2 167 462 | 2 232 735 | Cash after profit and before allocation=287402 Réinvestissement de 58609 |
| 30 | 69 | 0 | 70 391 | 120 237 | 17 061 | 66 907 | 228 793 | 235 657 | 235 657 | 2 003 942 | 2 063 985 | 2 232 735 | 2 299 642 | Cash after profit and before allocation=295700 Réinvestissement de 60043 |
| 31 | 70 | 0 | 72 502 | 123 839 | 17 232 | 68 569 | 235 657 | 242 726 | 242 726 | 2 063 985 | 2 125 485 | 2 299 642 | 2 368 211 | Cash after profit and before allocation=304226 Réinvestissement de 61500 |
| 32 | 71 | 0 | 74 677 | 127 529 | 17 404 | 70 256 | 242 726 | 250 008 | 250 008 | 2 125 485 | 2 188 459 | 2 368 211 | 2 438 467 | Cash after profit and before allocation=312982 Réinvestissement de 62974 |
| 33 | 72 | 0 | 76 918 | 131 308 | 17 578 | 71 968 | 250 008 | 257 508 | 257 508 | 2 188 459 | 2 252 927 | 2 438 467 | 2 510 435 | Cash after profit and before allocation=321976 Réinvestissement de 64468 |
| 34 | 73 | 0 | 79 225 | 135 176 | 17 754 | 73 705 | 257 508 | 265 234 | 265 234 | 2 252 927 | 2 318 906 | 2 510 435 | 2 584 140 | Cash after profit and before allocation=331213 Réinvestissement de 65979 |
| 35 | 74 | 0 | 81 602 | 139 134 | 17 932 | 75 464 | 265 234 | 273 191 | 273 191 | 2 318 906 | 2 386 413 | 2 584 140 | 2 659 604 | Cash after profit and before allocation=340698 Réinvestissement de 67507 |
| 36 | 75 | 0 | 84 050 | 143 185 | 18 111 | 77 246 | 273 191 | 281 386 | 281 386 | 2 386 413 | 2 455 464 | 2 659 604 | 2 736 850 | Cash after profit and before allocation=350437 Réinvestissement de 69051 |
| 37 | 76 | 0 | 86 572 | 147 328 | 18 292 | 79 048 | 281 386 | 289 828 | 289 828 | 2 455 464 | 2 526 070 | 2 736 850 | 2 815 898 | Cash after profit and before allocation=360434 Réinvestissement de 70606 |
| 38 | 77 | 0 | 89 169 | 151 564 | 18 475 | 80 870 | 289 828 | 298 523 | 298 523 | 2 526 070 | 2 598 245 | 2 815 898 | 2 896 768 | Cash after profit and before allocation=370698 Réinvestissement de 72175 |
| 39 | 78 | 0 | 91 844 | 155 895 | 18 660 | 82 711 | 298 523 | 307 478 | 307 478 | 2 598 245 | 2 672 001 | 2 896 768 | 2 979 479 | Cash after profit and before allocation=381234 Réinvestissement de 73756 |
| 40 | 79 | 0 | 94 599 | 160 320 | 18 846 | 84 567 | 307 478 | 316 703 | 316 703 | 2 672 001 | 2 747 343 | 2 979 479 | 3 064 046 | Cash after profit and before allocation=392045 Réinvestissement de 75342 |
| 41 | 80 | 0 | 97 437 | 164 841 | 19 035 | 86 439 | 316 703 | 326 204 | 326 204 | 2 747 343 | 2 824 281 | 3 064 046 | 3 150 485 | Cash after profit and before allocation=403142 Réinvestissement de 76938 |
| 42 | 81 | 0 | 100 360 | 169 457 | 19 225 | 88 322 | 326 204 | 335 990 | 335 990 | 2 824 281 | 2 902 817 | 3 150 485 | 3 238 807 | Cash after profit and before allocation=414526 Réinvestissement de 78536 |
| 43 | 82 | 0 | 103 371 | 174 169 | 19 418 | 90 216 | 335 990 | 346 070 | 346 070 | 2 902 817 | 2 982 953 | 3 238 807 | 3 329 023 | Cash after profit and before allocation=426206 Réinvestissement de 80136 |
| 44 | 83 | 0 | 106 472 | 178 977 | 19 612 | 92 117 | 346 070 | 356 452 | 356 452 | 2 982 953 | 3 064 688 | 3 329 023 | 3 421 140 | Cash after profit and before allocation=438187 Réinvestissement de 81735 |
| 45 | 84 | 0 | 109 666 | 183 881 | 19 808 | 94 023 | 356 452 | 367 145 | 367 145 | 3 064 688 | 3 148 018 | 3 421 140 | 3 515 163 | Cash after profit and before allocation=450475 Réinvestissement de 83330 |
| 46 | 85 | 0 | 112 956 | 188 881 | 20 006 | 95 931 | 367 145 | 378 160 | 378 160 | 3 148 018 | 3 232 934 | 3 515 163 | 3 611 094 | Cash after profit and before allocation=463076 Réinvestissement de 84916 |
| 47 | 86 | 0 | 116 345 | 193 976 | 20 206 | 97 837 | 378 160 | 389 504 | 389 504 | 3 232 934 | 3 319 427 | 3 611 094 | 3 708 931 | Cash after profit and before allocation=475997 Réinvestissement de 86493 |
| 48 | 87 | 0 | 119 835 | 199 166 | 20 408 | 99 739 | 389 504 | 401 190 | 401 190 | 3 319 427 | 3 407 480 | 3 708 931 | 3 808 670 | Cash after profit and before allocation=489243 Réinvestissement de 88053 |
| 49 | 88 | 0 | 123 430 | 204 449 | 20 612 | 101 631 | 401 190 | 413 225 | 413 225 | 3 407 480 | 3 497 076 | 3 808 670 | 3 910 301 | Cash after profit and before allocation=502821 Réinvestissement de 89596 |
| 50 | 89 | 0 | 127 133 | 209 825 | 20 818 | 103 510 | 413 225 | 425 622 | 425 622 | 3 497 076 | 3 588 189 | 3 910 301 | 4 013 811 | Cash after profit and before allocation=516735 Réinvestissement de 91113 |
| 51 | 90 | 0 | 130 947 | 215 291 | 21 026 | 105 370 | 425 622 | 438 391 | 438 391 | 3 588 189 | 3 680 790 | 4 013 811 | 4 119 181 | Cash after profit and before allocation=530992 Réinvestissement de 92601 |
| 52 | 91 | 0 | 134 876 | 220 847 | 21 237 | 107 208 | 438 391 | 451 542 | 451 542 | 3 680 790 | 3 774 847 | 4 119 181 | 4 226 389 | Cash after profit and before allocation=545599 Réinvestissement de 94057 |
| 53 | 92 | 0 | 138 922 | 226 491 | 21 449 | 109 018 | 451 542 | 465 089 | 465 089 | 3 774 847 | 3 870 318 | 4 226 389 | 4 335 407 | Cash after profit and before allocation=560560 Réinvestissement de 95471 |
| 54 | 93 | 0 | 143 090 | 232 219 | 21 664 | 110 793 | 465 089 | 479 041 | 479 041 | 3 870 318 | 3 967 159 | 4 335 407 | 4 446 200 | Cash after profit and before allocation=575882 Réinvestissement de 96841 |
| 55 | 94 | 0 | 147 382 | 238 030 | 21 880 | 112 528 | 479 041 | 493 412 | 493 412 | 3 967 159 | 4 065 316 | 4 446 200 | 4 558 728 | Cash after profit and before allocation=591569 Réinvestissement de 98157 |
| 56 | 95 | 0 | 151 804 | 243 919 | 22 099 | 114 214 | 493 412 | 508 215 | 508 215 | 4 065 316 | 4 164 727 | 4 558 728 | 4 672 942 | Cash after profit and before allocation=607626 Réinvestissement de 99411 |
| 57 | 96 | 0 | 156 358 | 249 884 | 22 320 | 115 846 | 508 215 | 523 461 | 523 461 | 4 164 727 | 4 265 327 | 4 672 942 | 4 788 788 | Cash after profit and before allocation=624061 Réinvestissement de 100600 |
| 58 | 97 | 0 | 161 049 | 255 920 | 22 543 | 117 414 | 523 461 | 539 165 | 539 165 | 4 265 327 | 4 367 037 | 4 788 788 | 4 906 202 | Cash after profit and before allocation=640875 Réinvestissement de 101710 |
| 59 | 98 | 0 | 165 880 | 262 022 | 22 769 | 118 911 | 539 165 | 555 340 | 555 340 | 4 367 037 | 4 469 773 | 4 906 202 | 5 025 113 | Cash after profit and before allocation=658076 Réinvestissement de 102736 |
| 60 | 99 | 0 | 170 856 | 268 186 | 22 996 | 120 326 | 555 340 | 572 000 | 572 000 | 4 469 773 | 4 573 439 | 5 025 113 | 5 145 439 | Cash after profit and before allocation=675666 Réinvestissement de 103666 |
| 61 | 100 | 0 | 175 982 | 274 406 | 23 226 | 121 650 | 572 000 | 589 160 | 589 160 | 4 573 439 | 4 677 929 | 5 145 439 | 5 267 089 | Cash after profit and before allocation=693650 Réinvestissement de 104490 |
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