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Monthly Income Planner

Plan how much you need to invest to reach your monthly income goals. Calculate the portfolio size required and see if you're on track with your current savings plan.

Financial independence starts with knowing your numbers. This calculator helps you determine exactly how much you need to save and invest to generate your target monthly income from investments. Whether planning for retirement or financial freedom, create a clear roadmap to reach your income goals.

Calculator Inputs

$
$

Your current job/business income (excluding investment income)

$
$
%
years

Your Results

Required Portfolio Size

$1,500,000

Total Current Monthly Income

$2,167
Job income: $2,000 + Investment income: $167

Future Total Monthly Income

$3,534
Job income: $2,000 + Investment income: $1,534

Monthly Income Gap

$3,000
Amount needed to reach target

Additional Investment Needed

$4,225
Extra per month to reach goal
Progress to Goal
30.7% CompleteKeep Going!
Data automatically saved to your device

Income Planning Strategies

The 4% Rule

The 4% rule suggests you can safely withdraw 4% of your portfolio annually for 30 years. This means you need 25 times your annual expenses saved to maintain your lifestyle.

For example, if you need $60,000 per year ($5,000 per month), you'd need a portfolio of approximately $1.5 million.

Income Strategy Tips

  • • Diversify across dividend stocks, bonds, and REITs
  • • Consider tax-efficient income sources
  • • Build a cash buffer for market downturns
  • • Reinvest income during accumulation phase
  • • Plan for inflation in your income needs