✦ Predictable Income Frameworks
The Book Behind the Brand
Predictable Income Frameworks
50 calculators you won't find anywhere else — built directly on the frameworks from Predictable Income by Matt A. Smith and Aaron Ross. Run the three-stream system, size your Asset Blueprint, design your Service Selector, and track every mission along the way.
50
Calculators
Free · No Login
System & Framework Anchors
The backbone models from the book. Start here to map where you are, where you're headed, and the full arc of a $10M career.
Signature
Bounty Box
Annualized view of your three income streams — Employment, Freelance, and Investments — with diversification gap analysis.
→
Signature
Income Mastery Matrix
Locate yourself across the five levels: Intern, Apprentice, Specialist, Strategist, Operator. See what's needed to level up.
→
Signature
Income Flywheel Score
Rate the three loops — Earn, Learn, Invest — and measure how fast your financial momentum is compounding.
→
Signature
Wealth Waterfall Planner
Direct cash flow through personal and business accounts. Fill the right buckets, put out the credit card fires.
→
Signature
$10M Master Plan Tracker
Lifetime earnings breakdown — $4M employment, $4M freelance, $2M ownership — and progress across your career arc.
→
Signature
$2.5M Portfolio Endpoint
The book's final mission — a $2.5M diversified portfolio. See the time, contributions, and returns required to hit it.
→
Signature
Income Stack Builder
Layer complementary streams the way Aaron built his stack — consulting, coaching, speaking, royalties, joint ventures.
→
Income Order of Operations
Validate that you're building in the right sequence: secure the job, layer in freelancing, then move into investing.
→
Annual Mission Planner
Plan your $100K-per-stream year with quarterly targets and monthly tactics across all three income engines.
→
Signature
Predictable Cycles Counter
Your career by the numbers — 13 employment runs, 200 freelance clients, 4 business acquisitions. See where you stand.
→
Employment OS
Your job is the anchor. Make every one of the 13 runs count — from negotiation to severance to the remote premium.
Employment Run Tracker
Pinpoint where you are in your 13 job runs — each averaging three years and $300,000 in earnings per run.
→
Effective Hourly Rate Maximizer
Compare $125K/40hr vs $90K/20hr. The lower-paying job can produce a 44% higher effective rate.
→
Severance Negotiation Calculator
Benchmark against median tech severance and see how one email can 6x your exit package.
→
Raise Compounding Calculator
3% vs 5% annual raises across a full career. The compounding gap might surprise you.
→
Equity / RSU Vesting Value
Assess the startup equity gamble — probability-weighted expected value of your shares at vest.
→
Internal Referral Job Funnel
Matt's 5-month playbook math: 92 applications → 20 informationals → 13 interviews → 1 offer accepted.
→
Employment Exit Readiness Score
Score whether your freelance pipeline, investments, and runway are ready to replace the W-2.
→
Remote Job Premium Calculator
The $500K arrival math on a remote-friendly role — flexibility, time saved, and side-income capacity.
→
Freelance OS
Your 200-client consulting career, designed deliberately. Services Selector, Two-Offer Strategy, and the full acquisition funnel.
Signature
Service Selector
Design your offer ladder across four quadrants: Starter, Builder, Leveraged, and Partnership services.
→
Two-Offer Strategy Builder
The simplest freelance business — one Project ($3K–$15K) and one Partnership ($5K–$20K/mo).
→
Double Your Deal Size Ladder
Single → Double → Triple → Home Run. From a $5K 90-day pilot to a senior leadership retainer.
→
BANT Prospect Qualifier
Score prospects on Budget, Authority, Need, and Timeline. Focus only on the prospects that will convert.
→
Freelance Metrics Dashboard
Conversations, Qualified Opps, Win Rate, Deal Size, and Lifetime Value — the five numbers that matter.
→
Client Acquisition Funnel
The exact math: 1,000 outreach → 1% response rate → 20% close → 2 new clients. Work the numbers.
→
Five-Client Engine Projector
$5K × 6 months × 5 clients = $150K per year. Five solid engagements repeated consistently.
→
$6M / 65% Margin Freelance Model
Map a full-career consulting path — roughly $6M in revenue at 65% profit margin over the arc.
→
Full-Time to Freelance Bridge
Measure the client base, revenue, and cash buffer needed to safely leave the W-2 behind.
→
Freelance Tax Gradient
Auto-siphon 30–35% of every client payment into a money market earning real interest — not zero.
→
Investing OS
The Asset Blueprint, the Pure Progress Portfolio, and the capstone $2M ownership play. Turn income into assets into returns.
Signature
Asset Blueprint Allocator
Allocate across ETFs, money markets, individual stocks, HYSA, crypto, and business buying. The book's exact mix.
→
Signature
Pure Progress Portfolio Tracker
Four quarters of progress — $55K → $250K → $1M → $2.5M. Track the full journey to the endpoint.
→
SPY Autopilot Calculator
$1,000 per month into SPY for 25 years turns $300,000 in contributions into roughly $1 million.
→
ETF Income Portfolio Planner
$2M invested across dividend and bond ETFs produces roughly $100K a year in passive income.
→
Money Market Yield Calculator
VMFXX, SPAXX, SWVXX — the 4–5% cash position that quietly outperforms a legacy checking account.
→
Individual Equity Concentration
Five to ten companies, each with a thesis. Size positions deliberately and hold through the cycles.
→
Crypto Trio Allocator
Bitcoin, Ethereum, Solana — disciplined exposure in a 5% portfolio slice. No meme coins.
→
Buy-the-Business Valuation
Acquisition entrepreneurship screener — margins, owner dependence, durability, and cash flow.
→
$2M Ownership Play Tracker
Four buy-and-build tours × $500K lifetime value = $2M in ownership earnings over a career.
→
4% Withdrawal Harvest Calculator
Flip from building to harvesting. Withdraw 4% while the 7% return keeps the base growing.
→
Dollar Defense
The second game. Offense builds income — defense protects what you've built. Burn rate, the Big 3, the Cost Curve, and the Pay Down Protocol.
Burn Rate Tracker
Personal plus business combined. Operators can quote their monthly number on demand — can you?
→
Big 3 Expense Reducer
Housing, Transportation, Food — the three channels where the real savings live. Stop cancelling Netflix.
→
Tax Gradient Calculator
$300K income drops to ~$180K after tax in California. Passive vs active tax position math.
→
Cost Curve Calculator
Growth Line vs Cost Line. The spread tells you who is really winning — the bank or you.
→
Interest Equation Analyzer
Mortgage 2–8%, student/business 5–12%, auto 6–10%, consumer 15–30%. Know what every dollar costs.
→
Pay Down Protocol Planner
Ten plays from the book — Start Small, Chase the Rate, Balance Transfer, 30-Day Freeze, and more.
→
Non-Mortgage Debt Ratio
Keep non-mortgage debt under 25% of annual income and cycle it back to zero as fast as possible.
→
Operator Execution
The mindset and mechanics of running the system. Predictable Income Score, Operator's Journey, Heat Lock Loop, and more.
Signature
Predictable Income Score
A composite rating of predictability, stability, and growth potential across all three of your income streams.
→
Operator's Journey Scorecard
Rate yourself across the four steps: Mindset, Knowledge, Execution, and People.
→
Mission Brief Generator
Generate your annual $100K-per-stream brief with monthly tactics and weekly milestones.
→
Heat Lock Loop Rep Counter
Track cycles completed per stream. Early reps are messy; precision tightens with volume.
→
Operator Identity Self-Check
A quick diagnostic — are you reacting like a passenger, or operating with structure and intention?
→
The Book Behind the Calculators
Build income you can count on.
Every tool here is built on the frameworks from Predictable Income — the playbook for three income streams that work whether you're at your desk or not.