Passive Income Tracker

1. Enter average monthly dividend income from stocks, ETFs, or funds.
2. Enter net monthly rental income after mortgage, tax, insurance, and maintenance if possible.
3. Enter monthly blog, course, ad, or affiliate-style content income you treat as passive or semi-passive.
4. Enter any other monthly passive or semi-passive streams.
5. Enter the monthly expenses you want passive income to replace.
6. Set an assumed annual growth rate for those streams (dividends, rents, and digital income rarely grow at the same pace — pick a blended planning rate).

Monthly total is the sum of all stream inputs. Coverage ratio is total divided by expenses. Annual income multiplies the monthly total by twelve. Gap is how much more monthly income you need for full coverage. Five- and ten-year projections compound the current monthly total forward at your growth rate, then annualize — a smooth math illustration, not a promise that every stream will grow equally.

Total / month = Dividends + Rent + Content + Other
Coverage % = Total ÷ Expenses
Gap = max(0, Expenses − Total)
Projected annual ≈ grow(monthly total) for N years × 12

Suppose dividends $800, net rent $1,200, content $300, and other $200 — $2,500 per month — against $4,000 of target expenses. Coverage is 62.5%, annualized income is $30,000, and the gap to full coverage is $1,500 per month. With a 5% assumed growth rate, the five- and ten-year projection cards show how that $2,500 might scale if the blend compounds smoothly. In real life, rent can face vacancy, dividends can be cut, and content income can be lumpy — so use projections as motivation checkpoints, not guaranteed salary replacement dates. Many people aim first for 25%, 50%, then 75% coverage milestones before full replacement.

Total / month & Annual income

Sum of the streams you entered, shown monthly and annualized.

Coverage ratio

What percent of your expense target is already covered by those streams.

Gap to cover

Additional monthly passive income needed to hit 100% of the expense target.

Projected (5yr / 10yr)

Illustrative future annual income if today’s total grows at your assumed rate.

• Counting gross rent instead of net after vacancies and repairs.
• Calling active client work “passive” and overstating coverage.
• Ignoring taxes — coverage on a pre-tax basis can overstate spendable income.
• Assuming every stream grows at the same optimistic percentage forever.
• Targeting 100% replacement without an emergency fund or reserve for lumpy months.

All stream amounts are user-supplied and pre-tax unless you already netted them. Growth is a single blended rate applied to the combined monthly total. No inflation adjustment on expenses, no vacancy probability model, and no tax withholding. Milestones are simple coverage thresholds for motivation, not financial-plan guarantees.

• SEC Investor.gov — Investment income basics
• CFPB — Managing your money
• AlgoFinanceLab — Passive income guides

Dig deeper with our passive income ideas and planning guide, or try Coast FIRE Calculator and Asset Allocation Planner.

Estimates only — not financial, lending, or investment advice. Decisions should be based on your full situation and professional guidance where appropriate.