Set a passive income target, allocate across multiple streams, and see exactly what you need to build it — month by month.
01
SET YOUR INCOME GOAL
02
CONFIGURE INCOME STREAMS
COVERED CALLS / OPTIONS
$0/mo
Covered calls on a $100K portfolio at 1.5%/mo = ~$1,500/mo. Wheel strategy can boost this 20–40%. Realistic range: 0.8%–2.5%/mo depending on volatility.
DIVIDEND INCOME
$0/mo
Mix Dividend Aristocrats (2–3%), REITs (4–7%), BDCs (8–12%), and CEFs (8–15%) to target a blended yield. DRIP accelerates compounding.
LONG-TERM RENTAL
$0/mo
A $200K rental at $1,800/mo rent with $1,400/mo in expenses (mortgage, taxes, insurance, mgmt) = $400/mo net. Scale by adding properties annually.
SHORT-TERM RENTAL
$0/mo
$150 ADR × 65% occupancy × 30 days = $2,925 gross × 35% net margin = ~$1,024/mo net per property. Margins vary widely by market and management style.
OTHER STREAMS
$0/mo
Digital products (ebooks, courses, tools), affiliate commissions, private mortgage notes, or any other recurring passive income not covered above.