Passive Income Calculator
How much capital do you need to replace your income? Mix dividends, REITs, bonds, and HYSA — see blended yield, capital needed, time to target, and a 20-year projection.
The 4% rule says you need 25× your annual expenses invested. But the right yield mix — dividends, REITs, bonds, HYSA — matters as much as the total. Higher yield means less capital needed, but more risk.
Your Goals
Income Mix Builder
100% ✓Income Stream Breakdown
| Stream | Allocation | Yield | Capital Needed | Monthly Income |
|---|---|---|---|---|
| Dividend Stocks | 30% | 1.8% | $289,933 | $423 |
| REITs | 25% | 4.5% | $241,611 | $906 |
| Bonds | 20% | 4.8% | $193,289 | $765 |
| HYSA / Savings | 25% | 4.5% | $241,611 | $906 |
| Total | 100% | 3.7% | $966,443 | $3,000 |
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