Building Your Income Factory — Passive Income

Monthly engine with monthly/quarterly dividends, tax drag, a target passive‑income goal, and Monthly/Yearly views. Contributions are posted at end of month and dividends are always reinvested.
Educational Tool Disclaimer: This calculator is provided for educational and illustrative purposes only and does not constitute financial, investment, tax, or legal advice. Results are estimates only. Always consult a qualified professional before making investment decisions.
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Switch the projection table between yearly and monthly rows. The projection stops when your target monthly income is reached.
Split after-tax dividends between reinvesting into the portfolio and taking cash income.
This is an absolute monthly income goal (USD), independent of the % target above.
We check whether your after‑tax monthly dividends can reach your wish salary by this age.
Enter a wish salary and age.
Assumptions: dividends based on the Dividend yield shown above, paid monthly and reinvested.

Dashboard

Target monthly income
based on projected salary
Reached
Year hitting target
Account balance at FIRE year
at reached year
Total contributions
sum over plan
Years until FIRE
Yearly Dividend income at FIRE

Portfolio Distribution

Table shows suggested allocation weights .Yields are derived from the most recent regular cash distribution and NAV/price shown on the fund manager page. Check their web page (or https://dividendhistory.org/) for updated rate- Last updated Jan 9, 2026

Portfolio preset
Switch weights instantly. You can still edit any weight manually.
Income currency
Fixed to USD (to match the main planner). CAD holdings are converted using the FX rate below.
FX rate (CAD per 1 USD)
Assumed portfolio value
Estimated annual income:
Weighted portfolio yield:
Allocation pie chart
Updates automatically when weights change.
ETF (Fund manager link) Ticker Sector Geography focus Currency Portfolio % Yield Annual income
Totals

ETF disclaimer note: ETF names, tickers, managers, yields, and distributions are based on the most recent information available from each fund manager’s official website at the time of modelling. ETF structures, managers, tickers (e.g. suffixes such as .TO), distribution policies, and yields may change over time. Always verify current details directly on the fund manager’s website before making investment decisions.

Projection Results (yearly rows)

Target: $—/mo • Reached: — (yearly view)
Year Age Salary (monthly, end) Contribution (year) Balance (end of year) Cash income (year) Reinvested income (year)

Projection Chart (Yearly)

Balance by year. The highlighted point marks the first year the passive-income target is reached.