Tools
Passive Income Calculator
Project compound growth from dividends, digital products, and affiliate income over time. See how small monthly contributions compound into real passive income.
Your inputs
Set your investment parameters to project passive income growth.
$
$
%
years
Portfolio value after 5 years
$16,185
Generating $108/mo in passive income
Total contributions$13,000
Investment earnings+$3,185
Money multiplier1.25x
| Year | Balance | Contributions | Earnings | Monthly income |
|---|---|---|---|---|
| Year 1 | $3,573 | $3,400 | +$173 | $24 |
| Year 2 | $6,360 | $5,800 | +$560 | $42 |
| Year 3 | $9,377 | $8,200 | +$1,177 | $63 |
| Year 4 | $12,646 | $10,600 | +$2,046 | $84 |
| Year 5 | $16,185 | $13,000 | +$3,185 | $108 |
How this calculator works
This calculator uses compound interest to project how your investments grow over time. It assumes monthly compounding — each month, your returns are calculated on your total balance (previous balance + contributions + earned interest), creating a snowball effect.
Use cases for side hustlers
- Dividend investing: Set annual return to 4–6% to model dividend stock portfolios. Your monthly income column shows projected dividend payments.
- Digital product revenue: If you reinvest digital product earnings, use 15–25% return to model revenue growth as you add more products.
- Index fund investing: The S&P 500 has averaged ~10% annually since 1926. Use 7–8% for a conservative inflation-adjusted estimate.
- Affiliate income reinvestment: Reinvesting affiliate earnings into content creation compounds traffic and revenue over time.