Calculate your passive income streams, FIRE number, and timeline to financial independence. Free passive income planner with retirement projection. No signup.
A 34-year-old engineer in Seattle invests $4,000/month in index funds yielding 2% dividends plus has a rental generating $800/month and wants his retirement timeline.
Result: Calculator shows he covers 22% of expenses now and reaches full FIRE in 11 years at age 45.
A 41-year-old in Phoenix owns 3 rental properties netting $4,200/month and wants to know how many more to reach $120,000/year passive income.
Result: Calculator reveals he needs 6 more comparable properties and shows the 5-year acquisition plan to get there.
A 29-year-old content creator in New York earns $1,500/month YouTube, $600 from a course, $400 from affiliates — wondering when she can quit her day job.
Result: She covers 38% of expenses and needs to grow streams 2.6x — a clear 3-year sprint goal revealed.
Your FIRE number is 25× your annual expenses — the amount you need invested to safely withdraw 4% per year forever, based on the Trinity Study.
Income that requires little ongoing work: dividends, rental income, royalties, interest, and digital products that sell on autopilot.
The percentage of your monthly expenses covered by passive income. At 100%, you're financially independent and could stop working.
10% matches the long-term S&P 500 historical average. For diversified portfolios with rentals or businesses, adjust to your actual blended return.
Yes for 30-year retirements, but FIRE seekers planning 50+ year retirements often use 3.25–3.5% for extra safety.
Start with dividend-paying index funds (even $100/month invested grows substantially over time), then add one active stream like a digital product or rental property. The key is consistency: most successful passive income portfolios took 7-10 years to build to coverage levels.