Passive Income Calculator
Our Passive Income Calculator helps you plan and visualize your journey to financial independence. Compare different passive income streams, calculate potential returns, and create a roadmap for achieving your passive income goals.
Enter your current and target passive income sources below to see how they can contribute to your financial independence over time.
Total Initial Investment
$65,000
Monthly Contribution
$300
Projected Monthly Income
$0.00
Years to Reach Goal
N/A
Passive Income Projection
Your Passive Income Streams
| Income Source | Initial Investment | Monthly Contribution | Expected Return (%) | Risk Level | Tax Efficiency | Actions |
|---|---|---|---|---|---|---|
| Dividend Stocks | $10,000 | $200 | 4% | Medium | Medium | |
| REITs | $5,000 | $100 | 5% | Medium | Low | |
| Rental Property | $50,000 | $0 | 8% | Medium | High |
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About Passive Income Streams
Dividend Stocks
Companies distribute a portion of earnings to shareholders. Typically pays 1-5% annually.
- Pros: Liquid, low maintenance, potential for growth
- Cons: Subject to market volatility, dividend cuts possible
REITs
Real Estate Investment Trusts own or finance income-producing real estate across various sectors.
- Pros: High dividends (often 4-8%), real estate exposure without direct ownership
- Cons: Less tax-efficient, sensitive to interest rates
Rental Properties
Physical real estate that generates monthly rental income.
- Pros: Tangible asset, tax advantages, potential appreciation
- Cons: Requires more capital, less liquid, management responsibilities
Bonds
Fixed-income securities where you lend money to an entity for a defined period at a fixed interest rate.
- Pros: Predictable income, lower volatility than stocks
- Cons: Lower returns, interest rate risk, inflation risk
P2P Lending
Lending money to individuals or small businesses through online platforms.
- Pros: Higher interest rates (6-12%), monthly payments
- Cons: Default risk, less liquidity, platform dependency
Digital Products
Creating and selling digital assets like e-books, courses, or software.
- Pros: High margins, scalable, no inventory
- Cons: Requires upfront work, marketing needed, competitive market
Disclaimer: This tool provides estimates based on the information you provide and constant return rates, which may not reflect real-world conditions. Investment returns fluctuate and past performance is not indicative of future results. This is not financial advice. Consult with a financial professional before making investment decisions.