Free Passive Income Calculator

Our passive income calculator simulates how much you need to invest to live off passive income. Using compound interest, it calculates your wealth growth month by month — factoring in your initial investment, monthly contributions, and expected rate of return.

Leave one field blank and the calculator finds it automatically: time to reach your goal, required monthly contribution, total wealth needed, or the return rate that makes your plan work.

Best Investments for Passive Income in 2026

The most popular passive income sources are dividend ETFs like SCHD, VYM, and JEPI (current yields 3–7%); REITs with monthly distributions; dividend stocks from established companies; and bonds and Treasury securities for stable fixed income. Use the calculator to compare scenarios and find the path that fits your timeline and risk tolerance.