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 9M€ Do you really want to be the richest person in the cemetery? You could spend 15,000€ more per year to end up spending everything and leaving nothing behind. That still makes 41€ 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 | 42 000 | 0 | 51 100 | 70 000 | 100 000 | 100 000 | 700 000 | 721 100 | 770 000 | 821 100 | Cash after profit and before allocation=121100 Réinvestissement de 21100 |
| 2 | 41 | 41 200 | 31 827 | 43 266 | 0 | 52 639 | 100 000 | 103 000 | 103 000 | 721 100 | 770 739 | 821 100 | 873 739 | Cash after profit and before allocation=152639 Réinvestissement de 49639 |
| 3 | 42 | 42 436 | 32 782 | 46 244 | 0 | 55 898 | 103 000 | 106 090 | 106 090 | 770 739 | 823 547 | 873 739 | 929 637 | Cash after profit and before allocation=158898 Réinvestissement de 52808 |
| 4 | 43 | 43 709 | 33 765 | 49 413 | 0 | 59 357 | 106 090 | 109 273 | 109 273 | 823 547 | 879 721 | 929 637 | 988 994 | Cash after profit and before allocation=165447 Réinvestissement de 56174 |
| 5 | 44 | 45 020 | 34 778 | 52 783 | 0 | 63 025 | 109 273 | 112 551 | 112 551 | 879 721 | 939 468 | 988 994 | 1 052 019 | Cash after profit and before allocation=172298 Réinvestissement de 59747 |
| 6 | 45 | 46 371 | 35 822 | 56 368 | 0 | 66 917 | 112 551 | 115 927 | 115 927 | 939 468 | 1 003 009 | 1 052 019 | 1 118 936 | Cash after profit and before allocation=179468 Réinvestissement de 63541 |
| 7 | 46 | 47 762 | 36 896 | 60 181 | 0 | 71 047 | 115 927 | 119 405 | 119 405 | 1 003 009 | 1 070 578 | 1 118 936 | 1 189 983 | Cash after profit and before allocation=186974 Réinvestissement de 67569 |
| 8 | 47 | 49 195 | 38 003 | 64 235 | 0 | 75 427 | 119 405 | 122 987 | 122 987 | 1 070 578 | 1 142 423 | 1 189 983 | 1 265 410 | Cash after profit and before allocation=194832 Réinvestissement de 71845 |
| 9 | 48 | 50 671 | 39 143 | 68 545 | 0 | 80 073 | 122 987 | 126 677 | 126 677 | 1 142 423 | 1 218 806 | 1 265 410 | 1 345 483 | Cash after profit and before allocation=203060 Réinvestissement de 76383 |
| 10 | 49 | 52 191 | 40 317 | 73 128 | 0 | 85 002 | 126 677 | 130 477 | 130 477 | 1 218 806 | 1 300 008 | 1 345 483 | 1 430 485 | Cash after profit and before allocation=211679 Réinvestissement de 81202 |
| 11 | 50 | 53 757 | 41 527 | 78 000 | 0 | 90 230 | 130 477 | 134 392 | 134 392 | 1 300 008 | 1 386 323 | 1 430 485 | 1 520 715 | Cash after profit and before allocation=220707 Réinvestissement de 86315 |
| 12 | 51 | 55 369 | 42 773 | 83 179 | 0 | 95 775 | 134 392 | 138 423 | 138 423 | 1 386 323 | 1 478 067 | 1 520 715 | 1 616 490 | Cash after profit and before allocation=230167 Réinvestissement de 91744 |
| 13 | 52 | 0 | 42 587 | 88 684 | 0 | 46 097 | 138 423 | 142 576 | 142 576 | 1 478 067 | 1 520 011 | 1 616 490 | 1 662 587 | Cash after profit and before allocation=184520 Réinvestissement de 41944 |
| 14 | 53 | 0 | 43 865 | 91 201 | 0 | 47 336 | 142 576 | 146 853 | 146 853 | 1 520 011 | 1 563 070 | 1 662 587 | 1 709 923 | Cash after profit and before allocation=189912 Réinvestissement de 43059 |
| 15 | 54 | 0 | 45 181 | 93 784 | 0 | 48 603 | 146 853 | 151 259 | 151 259 | 1 563 070 | 1 607 267 | 1 709 923 | 1 758 526 | Cash after profit and before allocation=195456 Réinvestissement de 44197 |
| 16 | 55 | 0 | 46 536 | 96 436 | 0 | 49 900 | 151 259 | 155 797 | 155 797 | 1 607 267 | 1 652 629 | 1 758 526 | 1 808 426 | Cash after profit and before allocation=201159 Réinvestissement de 45362 |
| 17 | 56 | 0 | 47 933 | 99 158 | 0 | 51 225 | 155 797 | 160 471 | 160 471 | 1 652 629 | 1 699 180 | 1 808 426 | 1 859 651 | Cash after profit and before allocation=207022 Réinvestissement de 46551 |
| 18 | 57 | 0 | 49 371 | 101 951 | 0 | 52 580 | 160 471 | 165 285 | 165 285 | 1 699 180 | 1 746 946 | 1 859 651 | 1 912 231 | Cash after profit and before allocation=213051 Réinvestissement de 47766 |
| 19 | 58 | 0 | 50 852 | 104 817 | 0 | 53 965 | 165 285 | 170 243 | 170 243 | 1 746 946 | 1 795 953 | 1 912 231 | 1 966 196 | Cash after profit and before allocation=219250 Réinvestissement de 49007 |
| 20 | 59 | 0 | 52 377 | 107 757 | 0 | 55 380 | 170 243 | 175 351 | 175 351 | 1 795 953 | 1 846 225 | 1 966 196 | 2 021 576 | Cash after profit and before allocation=225623 Réinvestissement de 50272 |
| 21 | 60 | 0 | 53 949 | 110 774 | 15 600 | 72 425 | 175 351 | 180 611 | 180 611 | 1 846 225 | 1 913 390 | 2 021 576 | 2 094 001 | Cash after profit and before allocation=247776 Réinvestissement de 67165 |
| 22 | 61 | 0 | 55 567 | 114 803 | 15 756 | 74 992 | 180 611 | 186 029 | 186 029 | 1 913 390 | 1 982 964 | 2 094 001 | 2 168 993 | Cash after profit and before allocation=255603 Réinvestissement de 69574 |
| 23 | 62 | 0 | 57 234 | 118 978 | 15 914 | 77 658 | 186 029 | 191 610 | 191 610 | 1 982 964 | 2 055 041 | 2 168 993 | 2 246 651 | Cash after profit and before allocation=263687 Réinvestissement de 72077 |
| 24 | 63 | 0 | 58 951 | 123 302 | 16 073 | 80 424 | 191 610 | 197 359 | 197 359 | 2 055 041 | 2 129 716 | 2 246 651 | 2 327 075 | Cash after profit and before allocation=272034 Réinvestissement de 74675 |
| 25 | 64 | 0 | 60 720 | 127 783 | 16 233 | 83 296 | 197 359 | 203 279 | 203 279 | 2 129 716 | 2 207 092 | 2 327 075 | 2 410 371 | Cash after profit and before allocation=280655 Réinvestissement de 77376 |
| 26 | 65 | 0 | 62 541 | 132 426 | 16 396 | 86 281 | 203 279 | 209 378 | 209 378 | 2 207 092 | 2 287 274 | 2 410 371 | 2 496 652 | Cash after profit and before allocation=289560 Réinvestissement de 80182 |
| 27 | 66 | 0 | 64 417 | 137 236 | 16 560 | 89 379 | 209 378 | 215 659 | 215 659 | 2 287 274 | 2 370 372 | 2 496 652 | 2 586 031 | Cash after profit and before allocation=298757 Réinvestissement de 83098 |
| 28 | 67 | 0 | 66 350 | 142 222 | 16 725 | 92 597 | 215 659 | 222 129 | 222 129 | 2 370 372 | 2 456 499 | 2 586 031 | 2 678 628 | Cash after profit and before allocation=308256 Réinvestissement de 86127 |
| 29 | 68 | 0 | 68 340 | 147 390 | 16 893 | 95 943 | 222 129 | 228 793 | 228 793 | 2 456 499 | 2 545 778 | 2 678 628 | 2 774 571 | Cash after profit and before allocation=318072 Réinvestissement de 89279 |
| 30 | 69 | 0 | 70 391 | 152 747 | 17 061 | 99 417 | 228 793 | 235 657 | 235 657 | 2 545 778 | 2 638 331 | 2 774 571 | 2 873 988 | Cash after profit and before allocation=328210 Réinvestissement de 92553 |
| 31 | 70 | 0 | 72 502 | 158 300 | 17 232 | 103 030 | 235 657 | 242 726 | 242 726 | 2 638 331 | 2 734 292 | 2 873 988 | 2 977 018 | Cash after profit and before allocation=338687 Réinvestissement de 95961 |
| 32 | 71 | 0 | 74 677 | 164 058 | 17 404 | 106 785 | 242 726 | 250 008 | 250 008 | 2 734 292 | 2 833 795 | 2 977 018 | 3 083 803 | Cash after profit and before allocation=349511 Réinvestissement de 99503 |
| 33 | 72 | 0 | 76 918 | 170 028 | 17 578 | 110 688 | 250 008 | 257 508 | 257 508 | 2 833 795 | 2 936 983 | 3 083 803 | 3 194 491 | Cash after profit and before allocation=360696 Réinvestissement de 103188 |
| 34 | 73 | 0 | 79 225 | 176 219 | 17 754 | 114 748 | 257 508 | 265 234 | 265 234 | 2 936 983 | 3 044 005 | 3 194 491 | 3 309 239 | Cash after profit and before allocation=372256 Réinvestissement de 107022 |
| 35 | 74 | 0 | 81 602 | 182 640 | 17 932 | 118 970 | 265 234 | 273 191 | 273 191 | 3 044 005 | 3 155 018 | 3 309 239 | 3 428 209 | Cash after profit and before allocation=384204 Réinvestissement de 111013 |
| 36 | 75 | 0 | 84 050 | 189 301 | 18 111 | 123 362 | 273 191 | 281 386 | 281 386 | 3 155 018 | 3 270 185 | 3 428 209 | 3 551 571 | Cash after profit and before allocation=396553 Réinvestissement de 115167 |
| 37 | 76 | 0 | 86 572 | 196 211 | 18 292 | 127 931 | 281 386 | 289 828 | 289 828 | 3 270 185 | 3 389 674 | 3 551 571 | 3 679 502 | Cash after profit and before allocation=409317 Réinvestissement de 119489 |
| 38 | 77 | 0 | 89 169 | 203 380 | 18 475 | 132 686 | 289 828 | 298 523 | 298 523 | 3 389 674 | 3 513 665 | 3 679 502 | 3 812 188 | Cash after profit and before allocation=422514 Réinvestissement de 123991 |
| 39 | 78 | 0 | 91 844 | 210 820 | 18 660 | 137 636 | 298 523 | 307 478 | 307 478 | 3 513 665 | 3 642 346 | 3 812 188 | 3 949 824 | Cash after profit and before allocation=436159 Réinvestissement de 128681 |
| 40 | 79 | 0 | 94 599 | 218 541 | 18 846 | 142 788 | 307 478 | 316 703 | 316 703 | 3 642 346 | 3 775 909 | 3 949 824 | 4 092 612 | Cash after profit and before allocation=450266 Réinvestissement de 133563 |
| 41 | 80 | 0 | 97 437 | 226 555 | 19 035 | 148 153 | 316 703 | 326 204 | 326 204 | 3 775 909 | 3 914 561 | 4 092 612 | 4 240 765 | Cash after profit and before allocation=464856 Réinvestissement de 138652 |
| 42 | 81 | 0 | 100 360 | 234 874 | 19 225 | 153 739 | 326 204 | 335 990 | 335 990 | 3 914 561 | 4 058 514 | 4 240 765 | 4 394 504 | Cash after profit and before allocation=479943 Réinvestissement de 143953 |
| 43 | 82 | 0 | 103 371 | 243 511 | 19 418 | 159 558 | 335 990 | 346 070 | 346 070 | 4 058 514 | 4 207 992 | 4 394 504 | 4 554 062 | Cash after profit and before allocation=495548 Réinvestissement de 149478 |
| 44 | 83 | 0 | 106 472 | 252 480 | 19 612 | 165 620 | 346 070 | 356 452 | 356 452 | 4 207 992 | 4 363 230 | 4 554 062 | 4 719 682 | Cash after profit and before allocation=511690 Réinvestissement de 155238 |
| 45 | 84 | 0 | 109 666 | 261 794 | 19 808 | 171 936 | 356 452 | 367 145 | 367 145 | 4 363 230 | 4 524 473 | 4 719 682 | 4 891 618 | Cash after profit and before allocation=528388 Réinvestissement de 161243 |
| 46 | 85 | 0 | 112 956 | 271 468 | 20 006 | 178 518 | 367 145 | 378 160 | 378 160 | 4 524 473 | 4 691 976 | 4 891 618 | 5 070 136 | Cash after profit and before allocation=545663 Réinvestissement de 167503 |
| 47 | 86 | 0 | 116 345 | 281 519 | 20 206 | 185 380 | 378 160 | 389 504 | 389 504 | 4 691 976 | 4 866 012 | 5 070 136 | 5 255 516 | Cash after profit and before allocation=563540 Réinvestissement de 174036 |
| 48 | 87 | 0 | 119 835 | 291 961 | 20 408 | 192 534 | 389 504 | 401 190 | 401 190 | 4 866 012 | 5 046 860 | 5 255 516 | 5 448 050 | Cash after profit and before allocation=582038 Réinvestissement de 180848 |
| 49 | 88 | 0 | 123 430 | 302 812 | 20 612 | 199 994 | 401 190 | 413 225 | 413 225 | 5 046 860 | 5 234 819 | 5 448 050 | 5 648 044 | Cash after profit and before allocation=601184 Réinvestissement de 187959 |
| 50 | 89 | 0 | 127 133 | 314 089 | 20 818 | 207 774 | 413 225 | 425 622 | 425 622 | 5 234 819 | 5 430 196 | 5 648 044 | 5 855 818 | Cash after profit and before allocation=620999 Réinvestissement de 195377 |
| 51 | 90 | 0 | 130 947 | 325 812 | 21 026 | 215 891 | 425 622 | 438 391 | 438 391 | 5 430 196 | 5 633 318 | 5 855 818 | 6 071 709 | Cash after profit and before allocation=641513 Réinvestissement de 203122 |
| 52 | 91 | 0 | 134 876 | 337 999 | 21 237 | 224 360 | 438 391 | 451 542 | 451 542 | 5 633 318 | 5 844 527 | 6 071 709 | 6 296 069 | Cash after profit and before allocation=662751 Réinvestissement de 211209 |
| 53 | 92 | 0 | 138 922 | 350 672 | 21 449 | 233 199 | 451 542 | 465 089 | 465 089 | 5 844 527 | 6 064 179 | 6 296 069 | 6 529 268 | Cash after profit and before allocation=684741 Réinvestissement de 219652 |
| 54 | 93 | 0 | 143 090 | 363 851 | 21 664 | 242 425 | 465 089 | 479 041 | 479 041 | 6 064 179 | 6 292 652 | 6 529 268 | 6 771 693 | Cash after profit and before allocation=707514 Réinvestissement de 228473 |
| 55 | 94 | 0 | 147 382 | 377 559 | 21 880 | 252 057 | 479 041 | 493 412 | 493 412 | 6 292 652 | 6 530 338 | 6 771 693 | 7 023 750 | Cash after profit and before allocation=731098 Réinvestissement de 237686 |
| 56 | 95 | 0 | 151 804 | 391 820 | 22 099 | 262 115 | 493 412 | 508 215 | 508 215 | 6 530 338 | 6 777 650 | 7 023 750 | 7 285 865 | Cash after profit and before allocation=755527 Réinvestissement de 247312 |
| 57 | 96 | 0 | 156 358 | 406 659 | 22 320 | 272 621 | 508 215 | 523 461 | 523 461 | 6 777 650 | 7 035 025 | 7 285 865 | 7 558 486 | Cash after profit and before allocation=780836 Réinvestissement de 257375 |
| 58 | 97 | 0 | 161 049 | 422 102 | 22 543 | 283 596 | 523 461 | 539 165 | 539 165 | 7 035 025 | 7 302 917 | 7 558 486 | 7 842 082 | Cash after profit and before allocation=807057 Réinvestissement de 267892 |
| 59 | 98 | 0 | 165 880 | 438 175 | 22 769 | 295 064 | 539 165 | 555 340 | 555 340 | 7 302 917 | 7 581 806 | 7 842 082 | 8 137 146 | Cash after profit and before allocation=834229 Réinvestissement de 278889 |
| 60 | 99 | 0 | 170 856 | 454 908 | 22 996 | 307 048 | 555 340 | 572 000 | 572 000 | 7 581 806 | 7 872 194 | 8 137 146 | 8 444 194 | Cash after profit and before allocation=862388 Réinvestissement de 290388 |
| 61 | 100 | 0 | 175 982 | 472 332 | 23 226 | 319 576 | 572 000 | 589 160 | 589 160 | 7 872 194 | 8 174 610 | 8 444 194 | 8 763 770 | Cash after profit and before allocation=891576 Réinvestissement de 302416 |
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