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The Fund Club · Calculator

Income Replacement Calculator

How much of your current income could your assets replace today? Track every passive stream and see your score in real time.

Your Current Income
Monthly Take-Home Income (from work)
$
Portfolio
Portfolio Balance (investments, ETFs, stocks)
$
Passive income at withdrawal rate → $0/mo
Withdrawal Rate
%
Other Passive Income Sources
Monthly Annual
Enter each source as a monthly amount — or click the toggle for annual.
Real Estate Net Cash Flow / mo
$
Dividends / Interest / mo
$
Business / Side Income / mo
$
Other Passive Income / mo
$
Income Replacement Score
0%
of your income is replaced by passive sources
Just Starting
Monthly passive: $0/mo
Gap to replace: $8,000/mo
0% Work-Optional Zone 100%+
0%
25%
50%
75%
100%
Add passive income sources above to see your breakdown.
🌱
Every flywheel starts at zero. Add your passive income sources above to see your score.
Monthly Passive
$0/mo
from all sources
Still Need from Work
$8,000/mo
to be fully replaced
Annual Passive
$0
total passive income
What Would Close The Gap?
$2.40M (4% rule)
Portfolio needed at 4% rule
$8,000/mo more needed
Extra RE cash flow needed
$8,000/mo combined
Combined passive sources needed
$19K per month
Monthly investing to close in 10 yrs
Portfolio passive income calculated using the 4% rule on your current balance.
For educational purposes only. Not financial advice.