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 freedom
20
years
Your age when leaving job
50
years old
Money saved when leaving job
1 008 895.95
PLN/USD/EUR
Your capital will be exhausted when you are
94
years old

I. Saving phase (job)

AgeSaved
capital
IncomesExpensesAnnual
balance
Capital
at the end
of year
InterestsJobExtra
income
Life
cost
Insurance
30
100 000
4 000
60 000
12 000
24 000
14 070.72
37 929.28
137 929.28
31
137 929.28
5 517.17
60 000
12 000
24 600
14 422.49
38 494.68
176 423.96
32
176 423.96
7 056.96
60 000
12 000
25 215
14 783.5
39 058.91
215 482.87
33
215 482.87
8 619.31
60 000
12 000
25 845.37
15 152.63
39 621.31
255 104.18
34
255 104.18
10 204.17
60 000
12 000
26 491.51
15 531.44
40 181.22
295 285.40
35
295 285.40
11 811.42
60 000
12 000
27 153.80
15 919.73
40 737.89
336 023.28
36
336 023.28
13 440.93
60 000
12 000
27 832.64
16 317.72
41 290.56
377 313.86
37
377 313.86
15 092.55
60 000
12 000
28 528.46
16 725.66
41 838.43
419 152.28
38
419 152.28
16 766.9
60 000
12 000
29 241.67
17 143.81
42 380.62
461 532.91
39
461 532.91
18 461.32
60 000
12 000
29 972.71
17 572.40
42 916.20
504 449.11
40
504 449.11
20 177.96
60 000
12 000
30 722.3
18 011.71
43 444.22
547 893.34
41
547 893.34
21 915.73
60 000
12 000
31 490.8
18 462
43 963.65
591 856.99
42
591 856.99
23 674.28
60 000
12 000
32 277.33
18 923.55
44 473.39
636 330.38
43
636 330.38
25 453.22
60 000
12 000
33 084.27
19 396.64
44 972.31
681 302.69
44
681 302.69
27 252.11
60 000
12 000
33 911.37
19 881.56
45 459.18
726 761.86
45
726 761.86
29 070.47
60 000
12 000
34 759.16
20 378.60
45 932.72
772 694.57
46
772 694.57
30 907.78
60 000
12 000
35 628.13
20 888.6
46 391.59
819 086.17
47
819 086.17
32 763.45
60 000
12 000
36 518.84
21 410.26
46 834.34
865 920.51
48
865 920.51
34 636.82
60 000
12 000
37 431.81
21 945.52
47 259.49
913 180
49
913 180
36 527.20
60 000
12 000
38 367.60
22 494.16
47 665.44
960 845.44
50
960 845.44
38 433.82
60 000
12 000
39 326.79
23 056.51
48 050.51
1 008 895.95

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
51
1 008 895.95
40 355.84
12 000
40 309.96
23 632.93
-11 588.95
997 308.90
52
997 308.90
39 892.36
12 000
41 317.71
24 223.75
-13 650.89
983 659.79
53
983 659.79
39 346.39
12 000
42 350.66
24 829.34
-15 834.39
967 826.18
54
967 826.18
38 713.5
12 000
43 409.42
25 450.8
-18 147.55
949 679.73
55
949 679.73
37 987.19
12 000
44 494.66
26 086.33
-20 594.20
929 085.93
56
929 085.93
37 163.44
12 000
45 607.2
26 738.49
-23 183.93
905 903.86
57
905 903.86
36 236.15
12 000
46 747.20
27 406.95
-25 918.1
879 985.87
58
879 985.87
35 199.43
12 000
47 915.88
28 092.12
-28 809.43
851 177.30
59
851 177.30
34 047.9
12 000
49 113.78
28 794.43
-31 862.89
819 316.19
60
819 316.19
32 772.65
12 000
50 341.62
29 514.28
-35 084.74
784 232.93
61
784 232.93
31 369.32
12 000
51 600.16
30 252.14
-38 483.1
745 749.94
62
745 749.94
29 830
12 000
52 890.17
31 008.45
-42 069.38
703 681.32
63
703 681.32
28 147.25
12 000
54 212.42
31 783.66
-45 849.17
657 832.49
64
657 832.49
26 313.30
12 000
55 567.73
32 578.25
-49 833.32
607 999.81

III. Resting phase (state pension age reached)

AgeSaved
capital
IncomesExpensesAnnual
balance
Capital
at the end
of year
InterestsExtra
income
State
pension
Life
cost
65
607 999.81
24 319.99
12 000
34 174.15
56 956.92
-10 783.23
597 217.4
66
597 217.4
23 888.68
12 000
35 028.51
58 380.85
-11 353.66
585 864.71
67
585 864.71
23 434.59
12 000
35 904.22
59 840.37
-11 937.85
573 928.56
68
573 928.56
22 957.14
12 000
36 801.83
61 336.38
-12 535.45
561 394.1
69
561 394.1
22 455.76
12 000
37 721.87
62 869.79
-13 148.9
548 246.9
70
548 246.9
21 929.84
12 000
38 664.92
64 441.53
-13 777.39
534 469.48
71
534 469.48
21 378.78
12 000
39 631.54
66 052.56
-14 422.97
520 048.45
72
520 048.45
20 801.94
12 000
40 622.33
67 703.88
-15 082.45
504 966.90
73
504 966.90
20 198.68
12 000
41 637.89
69 396.48
-15 759.41
489 208.30
74
489 208.30
19 568.33
12 000
42 678.84
71 131.39
-16 453.44
472 755.75
75
472 755.75
18 910.23
12 000
43 745.81
72 909.68
-17 164.13
455 591.87
76
455 591.87
18 223.67
12 000
44 839.45
74 732.42
-17 893.3
437 698.91
77
437 698.91
17 507.96
12 000
45 960.44
76 600.73
-18 641.71
419 058.61
78
419 058.61
16 762.34
12 000
47 109.45
78 515.75
-19 407.70
399 652.31
79
399 652.31
15 986.9
12 000
48 287.19
80 478.64
-20 192.54
379 460.86
80
379 460.86
15 178.43
12 000
49 494.37
82 490.61
-20 997.76
358 464.61
81
358 464.61
14 338.57
12 000
50 731.72
84 552.87
-21 822.85
336 643.46
82
336 643.46
13 465.74
12 000
52 000.2
86 666.70
-22 667.32
313 976.79
83
313 976.79
12 559.7
12 000
53 300.2
88 833.36
-23 534.65
290 443.44
84
290 443.44
11 617.74
12 000
54 632.52
91 054.20
-24 422.32
266 021.76
85
266 021.76
10 640.87
12 000
55 998.33
93 330.55
-25 333.78
240 689.54
86
240 689.54
9 627.57
12 000
57 398.28
95 663.82
-26 266.47
214 424.1
87
214 424.1
8 576.96
12 000
58 833.25
98 055.41
-27 223.84
187 201.85
88
187 201.85
7 488.7
12 000
60 304.8
100 506.80
-28 203.28
158 999.13
89
158 999.13
6 359.97
12 000
61 811.68
103 019.47
-29 208.21
129 791.34
90
129 791.34
5 191.65
12 000
63 356.97
105 594.95
-30 238.2
99 553.36
91
99 553.36
3 982.13
12 000
64 940.90
108 234.83
-31 294.7
68 259.43
92
68 259.43
2 730.38
12 000
66 564.42
110 940.70
-32 377.72
35 883.15
93
35 883.15
1 435.33
12 000
68 228.53
113 714.22
-33 486.31
2 397.46
94
2 397.46
95.90
12 000
69 934.24
116 557.7
-34 623.17
-32 226.63

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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