Finary Life
Now live: self-directed life insurance with 700+ funds.
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See how much monthly passive income you can generate based on your assets and investments.
The wealth simulator projects your future wealth and the passive income it could generate. First, enter your current wealth and how it is split between stock market assets and other assets (real estate, crypto, savings accounts, etc.).
Then enter how much you save each year and how it is split between these two asset classes, your savings horizon, the expected returns and the tax rate for each class.
Finally, set your withdrawal rate and the inflation rate. A 4% withdrawal rate is a common benchmark, popularized by the FIRE movement.
If you are not sure how much you can invest each year, our budget calculator can help.
The simulator estimates the passive income you will be able to generate at the end of your savings period, also called the accumulation phase. This income depends on your projected wealth, net of tax and adjusted for inflation, and on the withdrawal rate you apply.
The chart breaks down how your wealth grows over time into three areas: your initial wealth, your accumulated contributions and the net interest built up year after year. You also get the gross future value, the share of capital gains and the net value once tax is deducted.
A simulation gives you a number at a point in time. It doesn't tell you whether, month after month, you're getting closer to what you actually want: work less, live off your passive income, stop depending on your salary.
The Goals feature ties that target to your real portfolio, already connected in Finary. You set what matters to you, financial independence, retirement, a property down payment, and at every update you see where you stand and the return needed to get there. No recalculating by hand.
The first goal to set is your safety net: a few months of expenses put aside before aiming further. After that, every account has a purpose, and you know what each euro is for.
Regulatory disclaimers:
Marketing communication. Investing involves a risk of partial or total capital loss. Past performance is not a reliable indicator of future performance. This content is for informational and educational purposes; it does not constitute personalized investment advice, a buy or sell recommendation, or tax advice.
Before any investment, read the Key Information Document (KID) and, where appropriate, consult an authorized adviser.
Finary SAS, Entreprise d'Investissement agréée par l'ACPR sous le n°19283, membre de l'AMAFI. Courtier en Assurance immatriculé à l'ORIAS sous le n°21001279, adhérent de la CNCGP (association agréée par l'AMF). PSAN enregistré auprès de l'AMF sous le n°E2022-057.
