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Rentier calculator
Calculator finds out when and how much money do you need to leave your job and become a rentier.

Beta version

BETA TEST VERSION OF THIS ITEM
This online calculator is currently under heavy development. It may or it may NOT work correctly.
You CAN try to use it. You CAN even get the proper results.
However, please VERIFY all results on your own, as the level of completion of this item is NOT CONFIRMED.
Feel free to send any ideas and comments !

Input data - your goal, possibilites and what you already have

Age and saved capital
Your age nowyears old
How much you already savedPLN/USD/EUR
Amount of money, which you want to savePLN/USD/EUR
Incomes
Your monthly earnings nowPLN/USD/EUR
Your extra income per month
(rent a flat, ads on the websites etc.)
PLN/USD/EUR
Estimated yearly return rate%
Expenses
How much money do you need per month to livePLN/USD/EUR
Annual inflation (expected)%
Insurance and state pension
Monthly insurance contributionPLN/USD/EUR
State pension ageyears old
Estimated state pensionPLN/USD/EUR

Summary - when you become a rentier

Years to freedom20years
Your age when leaving job50years old
Money saved when leaving job1008895.95PLN/USD/EUR
Your capital will be exhausted when you are94years old

I. Saving phase (job)

AgeSaved
capital
IncomesExpensesAnnual
balance
Capital
at the end
of year
InterestsJobExtra
income
Life
cost
Insurance
30100000.004000.0060000.0012000.0024000.0014070.7237929.28137929.28
31137929.285517.1760000.0012000.0024600.0014422.4938494.68176423.96
32176423.967056.9660000.0012000.0025215.0014783.0539058.91215482.87
33215482.878619.3160000.0012000.0025845.3715152.6339621.31255104.18
34255104.1810204.1760000.0012000.0026491.5115531.4440181.22295285.40
35295285.4011811.4260000.0012000.0027153.8015919.7340737.89336023.29
36336023.2913440.9360000.0012000.0027832.6416317.7241290.57377313.86
37377313.8615092.5560000.0012000.0028528.4616725.6641838.43419152.29
38419152.2916766.0960000.0012000.0029241.6717143.8142380.62461532.91
39461532.9118461.3260000.0012000.0029972.7117572.4042916.20504449.11
40504449.1120177.9660000.0012000.0030722.0318011.7143444.22547893.34
41547893.3421915.7360000.0012000.0031490.0818462.0043963.65591856.99
42591856.9923674.2860000.0012000.0032277.3318923.5544473.39636330.38
43636330.3825453.2260000.0012000.0033084.2719396.6444972.31681302.69
44681302.6927252.1160000.0012000.0033911.3719881.5645459.18726761.86
45726761.8629070.4760000.0012000.0034759.1620378.6045932.72772694.58
46772694.5830907.7860000.0012000.0035628.1320888.0646391.59819086.17
47819086.1732763.4560000.0012000.0036518.8421410.2646834.34865920.51
48865920.5134636.8260000.0012000.0037431.8121945.5247259.49913180.00
49913180.0036527.2060000.0012000.0038367.6022494.1647665.44960845.44
50960845.4438433.8260000.0012000.0039326.7923056.5148050.511008895.95

II. Consuming phase (job left, begin to live using saved money)

AgeSaved
capital
IncomesExpensesAnnual
balance
Capital
at the end
of year
InterestsExtra
income
Life
cost
Insurance
511008895.9540355.8412000.0040309.9623632.93-11587.05997308.90
52997308.9039892.3612000.0041317.7124223.75-13649.11983659.79
53983659.7939346.3912000.0042350.6624829.34-15833.61967826.18
54967826.1838713.0512000.0043409.4225450.08-18146.45949679.73
55949679.7337987.1912000.0044494.6626086.33-20593.80929085.93
56929085.9337163.4412000.0045607.0226738.49-23182.07905903.86
57905903.8636236.1512000.0046747.2027406.95-25917.99879985.87
58879985.8735199.4312000.0047915.8828092.12-28808.57851177.30
59851177.3034047.0912000.0049113.7828794.43-31861.11819316.19
60819316.1932772.6512000.0050341.6229514.29-35083.26784232.93
61784232.9331369.3212000.0051600.1630252.14-38482.99745749.94
62745749.9429830.0012000.0052890.1731008.45-42068.62703681.32
63703681.3228147.2512000.0054212.4231783.66-45848.83657832.49
64657832.4926313.3012000.0055567.7332578.25-49832.68607999.81

III. Resting phase (state pension age reached)

AgeSaved
capital
IncomesExpensesAnnual
balance
Capital
at the end
of year
InterestsExtra
income
State
pension
Life
cost
65607999.8124319.9912000.0034174.1556956.92-10782.77597217.04
66597217.0423888.6812000.0035028.5158380.85-11352.34585864.71
67585864.7123434.5912000.0035904.2259840.37-11936.15573928.56
68573928.5622957.1412000.0036801.8361336.38-12534.55561394.01
69561394.0122455.7612000.0037721.8762869.79-13147.91548246.09
70548246.0921929.8412000.0038664.9264441.53-13776.61534469.48
71534469.4821378.7812000.0039631.5466052.57-14421.03520048.45
72520048.4520801.9412000.0040622.3367703.88-15081.55504966.90
73504966.9020198.6812000.0041637.8969396.48-15758.59489208.30
74489208.3019568.3312000.0042678.8471131.39-16452.56472755.75
75472755.7518910.2312000.0043745.8172909.68-17163.87455591.87
76455591.8718223.6712000.0044839.4574732.42-17892.97437698.91
77437698.9117507.9612000.0045960.4476600.73-18640.29419058.61
78419058.6116762.3412000.0047109.4578515.75-19406.30399652.31
79399652.3115986.0912000.0048287.1980478.64-20191.46379460.86
80379460.8615178.4312000.0049494.3782490.61-20996.24358464.61
81358464.6114338.5812000.0050731.7284552.87-21821.15336643.46
82336643.4613465.7412000.0052000.0286666.70-22666.68313976.79
83313976.7912559.0712000.0053300.0288833.36-23533.35290443.44
84290443.4411617.7412000.0054632.5291054.20-24421.68266021.76
85266021.7610640.8712000.0055998.3393330.55-25332.22240689.54
86240689.549627.5812000.0057398.2995663.82-26265.53214424.01
87214424.018576.9612000.0058833.2598055.41-27222.16187201.85
88187201.857488.0712000.0060304.08100506.80-28202.72158999.13
89158999.136359.9712000.0061811.68103019.47-29207.79129791.34
90129791.345191.6512000.0063356.97105594.95-30237.9899553.36
9199553.363982.1312000.0064940.90108234.83-31293.9368259.43
9268259.432730.3812000.0066564.42110940.70-32376.2835883.15
9335883.151435.3312000.0068228.53113714.22-33485.692397.46
942397.4695.9012000.0069934.24116557.07-34622.83-32225.37

Some facts

  • Rentier is a person who lives with income from capital, property, interest (shares, bonds, etc.) or bank contributions.
  • The most important fact is that rentier doesn't need to perform classical work, because he/she can live based only on what he/she collected in the past.
  • This calculator can perform simulation of both saving capital and living as a rentier later. Simulation is divided into three parts:
    • I. Saving phase - in this phase, you still go to work and collect capital needed for future. The structure of incomes and expenses are as below:
      • incomes:
        • interests from saved capital (bank deposits, bonds, stocks etc.),
        • job,
        • extra income (rent a flat, private websites etc.),
      • expenses:
        • living,
        • insurance contributions.
    • II. Consumption phase - this period starts when desired capital is reached. Then you leave a job and begin to live as a rentier. The structure of incomes and expenses are as below:
      • incomes:
        • interests from saved capital (bank deposits, bonds, stocks etc.),
        • extra income (rent a flat, private websites etc.),
      • expenses:
        • living,
        • insurance contributions.
    • III. Resting phase - this period begins when you reach state pension age and you begin to receive a state pension (and you don't pay insurance contributions anymore). The structure of incomes and expenses are as below:
      • incomes:
        • interests from saved capital (bank deposits, bonds, stocks etc.),
        • extra income (rent a flat, private websites etc.),
        • state pension
      • expenses:
        • living,

What is the meaning of each calculator field ?

  • Input data - your goal, possibilites and what you already have
    • Your age now - simply how old are you right now. This is a moment, when our simulation starts,
    • How much you already saved - amount of money, which you already collected for futher life as rentier, this is a initial capital for our simulation,
    • Amount of money, which you want to save - amount of money, which you want to collect before you will leave a job,
    • Your monthly earnings now - simply your monthly salary.
    • Your extra income per month - all extra incomes other than your job like renting a flat, website with ads etc.,
    • Estimated yearly return rate - this is an average, annual return rate of your investments using saved capital,
    • How much money do you need per month to live - amount of money you want to pay out as rentier,
    • Annual inflation (expected) - estimated inflation, this rate is used to increase costs during each year of simulation,
    • Monthly insurance contribution - you want receive state pension from goverment in the last phase, so you need to pay related contributions too,
    • State pension age - when you can retire and start to get state pension by the rules in your country
    • Estimated state pension - estimated monthly state pension, which you can get from government, this value is increased by inflation each year (using inflation) during simulation.
  • Summary - when you become a rentier
    • Years to freedom - years left to the point in time when you may leave a job,
    • Your age when leaving job - how old will you be when you may leave a job,
    • Money saved when leaving job - exact amount of capital, which you have when you begin living as rentier,
    • Your capital will be exhausted when you are - how long can you live without a job.

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