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Passive Income Target

Passive Income Target Builder

Work backwards from your monthly passive income goal to find the portfolio size — and contribution plan — you need.

Your Passive Income Goal
Your Current Position
Portfolio You Need
—
to generate your monthly income goal passively
Your Path to the Target
Annual Income Goal—
Starting Portfolio—
Monthly Contribution—
Gap to Close—
Years to Reach Target—
Lump-Sum Equivalent
—
Monthly Contribution Needed (20 yrs)
—
Portfolio Growth Toward Target
A 4% withdrawal rate is the classic FIRE benchmark. A 3% rate is more conservative for very long retirements. A 5–6% yield is achievable with dividend stocks, REITs, or covered-call strategies. The higher the rate you're comfortable with, the smaller the portfolio you need.
Based on constant return and withdrawal rate. Real income varies with markets. Not financial advice. Predictable Income

Passive Income Target Builder

The Passive Income Target Builder reverse-engineers your entire investment plan from one simple question: how much monthly income do you want your portfolio to throw off? Enter your target monthly income, your withdrawal or yield rate, your current portfolio balance, and your monthly contribution, and the calculator computes the exact portfolio size you need, the dollar gap between where you are and where you need to be, and the number of years to reach the target at your current savings pace. A secondary result shows the monthly contribution you'd need to hit the target in exactly 20 years, giving you a precise lever to pull if you want to accelerate. The growth chart overlays your projected portfolio against a horizontal target line so the finish line is always visible. It's the calculator that turns "financial freedom someday" into a dated milestone with a clear savings number behind it.