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 16M€ Do you really want to be the richest person in the cemetery? You could spend 26,000€ more per year to end up spending everything and leaving nothing behind. That still makes 71€ 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 | 54 000 | 0 | 63 100 | 70 000 | 100 000 | 100 000 | 900 000 | 933 100 | 970 000 | 1 033 100 | Cash after profit and before allocation=133100 Réinvestissement de 33100 |
| 2 | 41 | 41 200 | 31 827 | 55 986 | 0 | 65 359 | 100 000 | 103 000 | 103 000 | 933 100 | 995 459 | 1 033 100 | 1 098 459 | Cash after profit and before allocation=165359 Réinvestissement de 62359 |
| 3 | 42 | 42 436 | 32 782 | 59 728 | 0 | 69 382 | 103 000 | 106 090 | 106 090 | 995 459 | 1 061 751 | 1 098 459 | 1 167 841 | Cash after profit and before allocation=172382 Réinvestissement de 66292 |
| 4 | 43 | 43 709 | 33 765 | 63 705 | 0 | 73 649 | 106 090 | 109 273 | 109 273 | 1 061 751 | 1 132 217 | 1 167 841 | 1 241 490 | Cash after profit and before allocation=179739 Réinvestissement de 70466 |
| 5 | 44 | 45 020 | 34 778 | 67 933 | 0 | 78 175 | 109 273 | 112 551 | 112 551 | 1 132 217 | 1 207 114 | 1 241 490 | 1 319 665 | Cash after profit and before allocation=187448 Réinvestissement de 74897 |
| 6 | 45 | 46 371 | 35 822 | 72 427 | 0 | 82 976 | 112 551 | 115 927 | 115 927 | 1 207 114 | 1 286 714 | 1 319 665 | 1 402 641 | Cash after profit and before allocation=195527 Réinvestissement de 79600 |
| 7 | 46 | 47 762 | 36 896 | 77 203 | 0 | 88 069 | 115 927 | 119 405 | 119 405 | 1 286 714 | 1 371 305 | 1 402 641 | 1 490 710 | Cash after profit and before allocation=203996 Réinvestissement de 84591 |
| 8 | 47 | 49 195 | 38 003 | 82 278 | 0 | 93 470 | 119 405 | 122 987 | 122 987 | 1 371 305 | 1 461 193 | 1 490 710 | 1 584 180 | Cash after profit and before allocation=212875 Réinvestissement de 89888 |
| 9 | 48 | 50 671 | 39 143 | 87 672 | 0 | 99 200 | 122 987 | 126 677 | 126 677 | 1 461 193 | 1 556 703 | 1 584 180 | 1 683 380 | Cash after profit and before allocation=222187 Réinvestissement de 95510 |
| 10 | 49 | 52 191 | 40 317 | 93 402 | 0 | 105 276 | 126 677 | 130 477 | 130 477 | 1 556 703 | 1 658 179 | 1 683 380 | 1 788 656 | Cash after profit and before allocation=231953 Réinvestissement de 101476 |
| 11 | 50 | 53 757 | 41 527 | 99 491 | 0 | 111 721 | 130 477 | 134 392 | 134 392 | 1 658 179 | 1 765 985 | 1 788 656 | 1 900 377 | Cash after profit and before allocation=242198 Réinvestissement de 107806 |
| 12 | 51 | 55 369 | 42 773 | 105 959 | 0 | 118 555 | 134 392 | 138 423 | 138 423 | 1 765 985 | 1 880 509 | 1 900 377 | 2 018 932 | Cash after profit and before allocation=252947 Réinvestissement de 114524 |
| 13 | 52 | 0 | 42 587 | 112 831 | 0 | 70 244 | 138 423 | 142 576 | 142 576 | 1 880 509 | 1 946 600 | 2 018 932 | 2 089 176 | Cash after profit and before allocation=208667 Réinvestissement de 66091 |
| 14 | 53 | 0 | 43 865 | 116 796 | 0 | 72 931 | 142 576 | 146 853 | 146 853 | 1 946 600 | 2 015 254 | 2 089 176 | 2 162 107 | Cash after profit and before allocation=215507 Réinvestissement de 68654 |
| 15 | 54 | 0 | 45 181 | 120 915 | 0 | 75 734 | 146 853 | 151 259 | 151 259 | 2 015 254 | 2 086 582 | 2 162 107 | 2 237 841 | Cash after profit and before allocation=222587 Réinvestissement de 71328 |
| 16 | 55 | 0 | 46 536 | 125 195 | 0 | 78 659 | 151 259 | 155 797 | 155 797 | 2 086 582 | 2 160 703 | 2 237 841 | 2 316 500 | Cash after profit and before allocation=229918 Réinvestissement de 74121 |
| 17 | 56 | 0 | 47 933 | 129 642 | 0 | 81 709 | 155 797 | 160 471 | 160 471 | 2 160 703 | 2 237 738 | 2 316 500 | 2 398 209 | Cash after profit and before allocation=237506 Réinvestissement de 77035 |
| 18 | 57 | 0 | 49 371 | 134 264 | 0 | 84 893 | 160 471 | 165 285 | 165 285 | 2 237 738 | 2 317 817 | 2 398 209 | 2 483 102 | Cash after profit and before allocation=245364 Réinvestissement de 80079 |
| 19 | 58 | 0 | 50 852 | 139 069 | 0 | 88 217 | 165 285 | 170 243 | 170 243 | 2 317 817 | 2 401 076 | 2 483 102 | 2 571 319 | Cash after profit and before allocation=253502 Réinvestissement de 83259 |
| 20 | 59 | 0 | 52 377 | 144 065 | 0 | 91 688 | 170 243 | 175 351 | 175 351 | 2 401 076 | 2 487 656 | 2 571 319 | 2 663 007 | Cash after profit and before allocation=261931 Réinvestissement de 86580 |
| 21 | 60 | 0 | 53 949 | 149 259 | 15 600 | 110 910 | 175 351 | 180 611 | 180 611 | 2 487 656 | 2 593 306 | 2 663 007 | 2 773 917 | Cash after profit and before allocation=286261 Réinvestissement de 105650 |
| 22 | 61 | 0 | 55 567 | 155 598 | 15 756 | 115 787 | 180 611 | 186 029 | 186 029 | 2 593 306 | 2 703 675 | 2 773 917 | 2 889 704 | Cash after profit and before allocation=296398 Réinvestissement de 110369 |
| 23 | 62 | 0 | 57 234 | 162 221 | 15 914 | 120 901 | 186 029 | 191 610 | 191 610 | 2 703 675 | 2 818 995 | 2 889 704 | 3 010 605 | Cash after profit and before allocation=306930 Réinvestissement de 115320 |
| 24 | 63 | 0 | 58 951 | 169 140 | 16 073 | 126 262 | 191 610 | 197 359 | 197 359 | 2 818 995 | 2 939 508 | 3 010 605 | 3 136 867 | Cash after profit and before allocation=317872 Réinvestissement de 120513 |
| 25 | 64 | 0 | 60 720 | 176 370 | 16 233 | 131 883 | 197 359 | 203 279 | 203 279 | 2 939 508 | 3 065 471 | 3 136 867 | 3 268 750 | Cash after profit and before allocation=329242 Réinvestissement de 125963 |
| 26 | 65 | 0 | 62 541 | 183 928 | 16 396 | 137 783 | 203 279 | 209 378 | 209 378 | 3 065 471 | 3 197 155 | 3 268 750 | 3 406 533 | Cash after profit and before allocation=341062 Réinvestissement de 131684 |
| 27 | 66 | 0 | 64 417 | 191 829 | 16 560 | 143 972 | 209 378 | 215 659 | 215 659 | 3 197 155 | 3 334 846 | 3 406 533 | 3 550 505 | Cash after profit and before allocation=353350 Réinvestissement de 137691 |
| 28 | 67 | 0 | 66 350 | 200 091 | 16 725 | 150 466 | 215 659 | 222 129 | 222 129 | 3 334 846 | 3 478 842 | 3 550 505 | 3 700 971 | Cash after profit and before allocation=366125 Réinvestissement de 143996 |
| 29 | 68 | 0 | 68 340 | 208 731 | 16 893 | 157 284 | 222 129 | 228 793 | 228 793 | 3 478 842 | 3 629 462 | 3 700 971 | 3 858 255 | Cash after profit and before allocation=379413 Réinvestissement de 150620 |
| 30 | 69 | 0 | 70 391 | 217 768 | 17 061 | 164 438 | 228 793 | 235 657 | 235 657 | 3 629 462 | 3 787 036 | 3 858 255 | 4 022 693 | Cash after profit and before allocation=393231 Réinvestissement de 157574 |
| 31 | 70 | 0 | 72 502 | 227 222 | 17 232 | 171 952 | 235 657 | 242 726 | 242 726 | 3 787 036 | 3 951 919 | 4 022 693 | 4 194 645 | Cash after profit and before allocation=407609 Réinvestissement de 164883 |
| 32 | 71 | 0 | 74 677 | 237 115 | 17 404 | 179 842 | 242 726 | 250 008 | 250 008 | 3 951 919 | 4 124 479 | 4 194 645 | 4 374 487 | Cash after profit and before allocation=422568 Réinvestissement de 172560 |
| 33 | 72 | 0 | 76 918 | 247 469 | 17 578 | 188 129 | 250 008 | 257 508 | 257 508 | 4 124 479 | 4 305 108 | 4 374 487 | 4 562 616 | Cash after profit and before allocation=438137 Réinvestissement de 180629 |
| 34 | 73 | 0 | 79 225 | 258 306 | 17 754 | 196 835 | 257 508 | 265 234 | 265 234 | 4 305 108 | 4 494 217 | 4 562 616 | 4 759 451 | Cash after profit and before allocation=454343 Réinvestissement de 189109 |
| 35 | 74 | 0 | 81 602 | 269 653 | 17 932 | 205 983 | 265 234 | 273 191 | 273 191 | 4 494 217 | 4 692 243 | 4 759 451 | 4 965 434 | Cash after profit and before allocation=471217 Réinvestissement de 198026 |
| 36 | 75 | 0 | 84 050 | 281 535 | 18 111 | 215 596 | 273 191 | 281 386 | 281 386 | 4 692 243 | 4 899 644 | 4 965 434 | 5 181 030 | Cash after profit and before allocation=488787 Réinvestissement de 207401 |
| 37 | 76 | 0 | 86 572 | 293 979 | 18 292 | 225 699 | 281 386 | 289 828 | 289 828 | 4 899 644 | 5 116 901 | 5 181 030 | 5 406 729 | Cash after profit and before allocation=507085 Réinvestissement de 217257 |
| 38 | 77 | 0 | 89 169 | 307 014 | 18 475 | 236 320 | 289 828 | 298 523 | 298 523 | 5 116 901 | 5 344 526 | 5 406 729 | 5 643 049 | Cash after profit and before allocation=526148 Réinvestissement de 227625 |
| 39 | 78 | 0 | 91 844 | 320 672 | 18 660 | 247 488 | 298 523 | 307 478 | 307 478 | 5 344 526 | 5 583 059 | 5 643 049 | 5 890 537 | Cash after profit and before allocation=546011 Réinvestissement de 238533 |
| 40 | 79 | 0 | 94 599 | 334 984 | 18 846 | 259 231 | 307 478 | 316 703 | 316 703 | 5 583 059 | 5 833 065 | 5 890 537 | 6 149 768 | Cash after profit and before allocation=566709 Réinvestissement de 250006 |
| 41 | 80 | 0 | 97 437 | 349 984 | 19 035 | 271 582 | 316 703 | 326 204 | 326 204 | 5 833 065 | 6 095 146 | 6 149 768 | 6 421 350 | Cash after profit and before allocation=588285 Réinvestissement de 262081 |
| 42 | 81 | 0 | 100 360 | 365 709 | 19 225 | 284 574 | 326 204 | 335 990 | 335 990 | 6 095 146 | 6 369 934 | 6 421 350 | 6 705 924 | Cash after profit and before allocation=610778 Réinvestissement de 274788 |
| 43 | 82 | 0 | 103 371 | 382 196 | 19 418 | 298 243 | 335 990 | 346 070 | 346 070 | 6 369 934 | 6 658 097 | 6 705 924 | 7 004 167 | Cash after profit and before allocation=634233 Réinvestissement de 288163 |
| 44 | 83 | 0 | 106 472 | 399 486 | 19 612 | 312 626 | 346 070 | 356 452 | 356 452 | 6 658 097 | 6 960 341 | 7 004 167 | 7 316 793 | Cash after profit and before allocation=658696 Réinvestissement de 302244 |
| 45 | 84 | 0 | 109 666 | 417 620 | 19 808 | 327 762 | 356 452 | 367 145 | 367 145 | 6 960 341 | 7 277 410 | 7 316 793 | 7 644 555 | Cash after profit and before allocation=684214 Réinvestissement de 317069 |
| 46 | 85 | 0 | 112 956 | 436 645 | 20 006 | 343 695 | 367 145 | 378 160 | 378 160 | 7 277 410 | 7 610 090 | 7 644 555 | 7 988 250 | Cash after profit and before allocation=710840 Réinvestissement de 332680 |
| 47 | 86 | 0 | 116 345 | 456 605 | 20 206 | 360 466 | 378 160 | 389 504 | 389 504 | 7 610 090 | 7 959 212 | 7 988 250 | 8 348 716 | Cash after profit and before allocation=738626 Réinvestissement de 349122 |
| 48 | 87 | 0 | 119 835 | 477 553 | 20 408 | 378 126 | 389 504 | 401 190 | 401 190 | 7 959 212 | 8 325 652 | 8 348 716 | 8 726 842 | Cash after profit and before allocation=767630 Réinvestissement de 366440 |
| 49 | 88 | 0 | 123 430 | 499 539 | 20 612 | 396 721 | 401 190 | 413 225 | 413 225 | 8 325 652 | 8 710 338 | 8 726 842 | 9 123 563 | Cash after profit and before allocation=797911 Réinvestissement de 384686 |
| 50 | 89 | 0 | 127 133 | 522 620 | 20 818 | 416 305 | 413 225 | 425 622 | 425 622 | 8 710 338 | 9 114 246 | 9 123 563 | 9 539 868 | Cash after profit and before allocation=829530 Réinvestissement de 403908 |
| 51 | 90 | 0 | 130 947 | 546 855 | 21 026 | 436 934 | 425 622 | 438 391 | 438 391 | 9 114 246 | 9 538 411 | 9 539 868 | 9 976 802 | Cash after profit and before allocation=862556 Réinvestissement de 424165 |
| 52 | 91 | 0 | 134 876 | 572 305 | 21 237 | 458 666 | 438 391 | 451 542 | 451 542 | 9 538 411 | 9 983 926 | 9 976 802 | 10 435 468 | Cash after profit and before allocation=897057 Réinvestissement de 445515 |
| 53 | 92 | 0 | 138 922 | 599 036 | 21 449 | 481 563 | 451 542 | 465 089 | 465 089 | 9 983 926 | 10 451 942 | 10 435 468 | 10 917 031 | Cash after profit and before allocation=933105 Réinvestissement de 468016 |
| 54 | 93 | 0 | 143 090 | 627 117 | 21 664 | 505 691 | 465 089 | 479 041 | 479 041 | 10 451 942 | 10 943 681 | 10 917 031 | 11 422 722 | Cash after profit and before allocation=970780 Réinvestissement de 491739 |
| 55 | 94 | 0 | 147 382 | 656 621 | 21 880 | 531 119 | 479 041 | 493 412 | 493 412 | 10 943 681 | 11 460 429 | 11 422 722 | 11 953 841 | Cash after profit and before allocation=1010160 Réinvestissement de 516748 |
| 56 | 95 | 0 | 151 804 | 687 626 | 22 099 | 557 921 | 493 412 | 508 215 | 508 215 | 11 460 429 | 12 003 547 | 11 953 841 | 12 511 762 | Cash after profit and before allocation=1051333 Réinvestissement de 543118 |
| 57 | 96 | 0 | 156 358 | 720 213 | 22 320 | 586 175 | 508 215 | 523 461 | 523 461 | 12 003 547 | 12 574 476 | 12 511 762 | 13 097 937 | Cash after profit and before allocation=1094390 Réinvestissement de 570929 |
| 58 | 97 | 0 | 161 049 | 754 469 | 22 543 | 615 963 | 523 461 | 539 165 | 539 165 | 12 574 476 | 13 174 735 | 13 097 937 | 13 713 900 | Cash after profit and before allocation=1139424 Réinvestissement de 600259 |
| 59 | 98 | 0 | 165 880 | 790 484 | 22 769 | 647 373 | 539 165 | 555 340 | 555 340 | 13 174 735 | 13 805 933 | 13 713 900 | 14 361 273 | Cash after profit and before allocation=1186538 Réinvestissement de 631198 |
| 60 | 99 | 0 | 170 856 | 828 356 | 22 996 | 680 496 | 555 340 | 572 000 | 572 000 | 13 805 933 | 14 469 769 | 14 361 273 | 15 041 769 | Cash after profit and before allocation=1235836 Réinvestissement de 663836 |
| 61 | 100 | 0 | 175 982 | 868 186 | 23 226 | 715 430 | 572 000 | 589 160 | 589 160 | 14 469 769 | 15 168 039 | 15 041 769 | 15 757 199 | Cash after profit and before allocation=1287430 Réinvestissement de 698270 |
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