Investment Income Goal Calculator
Calculate how much you need to invest to replace your income or reach financial independence. Includes ROI, breakeven analysis, and multiple investment scenarios.
How to Use This Calculator
- Set your income goal - Enter your target annual income amount
- Choose your timeframe - Select how many years you want to invest
- Add your investments - Click “Add Investment” to create multiple investment scenarios
- Customize each investment - Name it, set quantity (if buying multiples), amount per investment, and expected return percentage
- Add contributions - Optional monthly or annual additional investments
- Click Calculate to see comprehensive results including ROI, breakeven, and income projections
Income Goal
Investment Scenarios
Additional Contributions (Optional)
💰 What Is Investment Income?
Investment income is money earned from your investments through dividends, interest, capital gains, or rental income. This calculator helps you determine how much you need to invest to generate a target income level, making it ideal for retirement planning, achieving financial independence, or replacing employment income.
🎯 Key Features
This calculator includes:
- Multiple Investments: Add and compare different investment types (stocks, bonds, REITs, etc.)
- ROI Analysis: See return on investment percentage and breakeven timeline
- Income Projections: Calculate monthly and annual income at your target timeframe
- Contribution Planning: Factor in regular monthly or annual contributions
- Time to Goal: See when you'll reach your income replacement target
- Comprehensive Results: Detailed breakdown of each investment's performance
📊 Understanding the Results
The calculator provides:
- Total Portfolio Value: Combined value of all investments after the timeframe
- Annual Income Generated: Yearly income from all investments
- Monthly Income: Monthly income breakdown for budgeting
- ROI Percentage: Return on investment across your entire portfolio
- Breakeven Point: When your investment returns equal your initial investment
- Time to Goal: How long until you reach your target income level
- Individual Investment Analysis: Performance breakdown for each investment
💡 Investment Strategy Tips
- Diversification: Spread investments across different asset types to reduce risk
- Conservative Returns: Use realistic return rates (stocks 7-10%, bonds 3-5%, REITs 5-8%)
- Regular Contributions: Consistent monthly contributions can significantly accelerate growth
- Time Horizon: Longer timeframes allow compound interest to work in your favor
- Risk vs. Return: Higher returns typically come with higher risk - balance accordingly
⚠️ Important Disclaimers
- Not Financial Advice: This calculator is for educational purposes only
- Past Performance: Historical returns don't guarantee future results
- Market Volatility: Actual returns will vary year-to-year
- Inflation: Consider inflation when planning long-term income needs
- Taxes: Investment income may be subject to taxes - consult a tax professional
- Professional Advice: Consider consulting with a financial advisor for personalized guidance
🔗 Save & Share Your Calculation
Your calculation is automatically saved in the URL. You can bookmark this page to save your investment plan, or use the Share button to send it to others. When you return or share the link, all values including all investment scenarios will be restored automatically.