Blended yield · capital gap · years to target · 20-yr projection · client-side

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//// Financial · Passive Income

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.

401(k) Limit 2024$23,000(+$7,500 catch-up 50+)

Roth IRA Limit$7,000(MAGI phase-out applies)

S&P 500 Avg Return~10%/yr(nominal, historical)

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

Target Monthly Passive Income

Current Savings

Monthly Contribution

Income Mix Builder

100% ✓

Dividend Stocks30%

Yield override:% (avg 1.5–2%)

REITs25%

Yield override:% (avg 4–5%)

Bonds / Bond Funds20%

Yield override:% (current ~4.5–5%)

HYSA / Savings25%

Yield override:% (current ~4.5%)

Blended annual yield: 3.7%

Capital Needed

$966,443

at 3.7% blended yield

4% Rule (FIRE)

$900,000

25× annual expenses

Current Gap

$941,443

still to accumulate

Time to Target

48.5 yrs

at current savings rate

Current Monthly Income

$78

from current savings

In 20 Years

$715/mo

$230,428 portfolio

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

Target Annual Income

target monthly × 12

$3,000 × 12

= $36,000

Your investment portfolio needs to produce this much every year.

Blended Yield

(div% × div_yield) + (REIT% × REIT_yield) + (bond% × bond_yield) + (savings% × savings_yield)

(30% × 1.75%) + (25% × 4.5%) + (20% × 4.75%) + (25% × 4.5%)

= 3.7%

Weighted average annual yield across your income mix.

Capital Needed (at blended yield)

annual income ÷ blended yield

$36,000 ÷ 3.7%

= $966,443

How much invested capital generates your target income at your blended yield.

4% Rule Comparison

annual income ÷ 4%

$36,000 ÷ 4%

= $900,000

The classic FIRE number — 25× annual expenses. Your blended yield may require more or less.

Current Savings Gap

capital needed − current savings

$966,443 − $25,000

= $941,443

How much more you need to accumulate to hit your passive income target.

Time to Target

FV = P(1+r)^n + PMT × [(1+r)^n − 1] / r ≥ capital needed

P=$25,000, PMT=$500/mo, r=3.7%/yr

= 48.5 years

How long until compound growth + contributions reach your capital target.

20-Year Projection

FV₂₄₀ = P(1+r)^240 + PMT × [(1+r)^240 − 1] / r

P=$25,000, PMT=$500/mo

= $230,428 → $715/mo

Projected portfolio value in 20 years and the monthly passive income it would generate.

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