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Passive Income Calculator

Enter what you invest and the yield. See exactly how much passive income it throws off — and how long to hit your number.

Amount invested ($)

Annual yield / return (%)

Add per month ($, optional)

Your monthly income goal ($)

Passive income — per month

$0 / year

—

years to your goal

capital for goal

Want it tracked, not just calculated?

The Passive Income Tracker — a done-for-you spreadsheet that tracks every income stream, yield, and your progress to the goal. Auto-updating, yours forever.

One-time. Instant download. 30-day money-back.

✅ Your free Passive Income Tracker is ready:

Passive income calculator — FAQ

How is passive income calculated?

Passive income = your invested capital × annual yield. $100,000 at 5% = $5,000/year, or about $417/month, before tax.

How much do I need to invest for $3,000/month passive income?

At a 5% yield you'd need about $720,000. At 8%, about $450,000. The calculator shows your exact number above.

What yield should I use?

Money-market / high-yield savings ~4–5%, dividend stocks ~3–4%, index funds ~7% long-term average. Use what's realistic for you.

Free Passive Income Calculator · 2026