Passive Income Calculator
Plan your path to financial freedom
Passive income is money you earn regularly without actively working for it. It comes from investments, rental properties, stock dividends, or automated businesses. The key is that your money works for you.
Dividends
Profits distributed by companies to shareholders. They typically pay between 2% and 8% annually.
Rental Income
Income from property rentals. They generate predictable monthly cash flow.
FIRE Movement
Financial Independence, Retire Early. The goal is to accumulate 25x your annual expenses.
4% Rule
You can withdraw 4% of your portfolio annually without running out of money in 30+ years.
Calculation mode
Target monthly income
Income sources
Add income sources to see the breakdown
Dividend yield is calculated by dividing the annual dividend per share by the stock price, multiplied by 100. For example, if a stock pays $2 per year and costs $50, the yield is 4%.
Formula:
Yield = (Annual dividend / Stock price) × 100
Example:
$2 dividend ÷ $50 price = 4% yield
Withholding tax is a percentage the payer deducts from gross income before transferring it to you. It does not reduce your invested capital, only the income you receive, and it is retained directly at the source.
Formula
Net income = Gross income × (1 − rate / 100)
Example: same dividend, different country
🇨🇱 Chilean stock
You receive 100% of the dividend. You can also use the corporate income-tax credit already paid by the company to reduce your personal income tax.
🇺🇸 US stock
With the Chile–US double-taxation treaty, 15% of the dividend is withheld at source. Without a treaty, withholding can reach 30%.
Results
Required capital
$240.000.000 CLP
Tip
Diversify your passive income sources. Don't depend on a single investment or property.
Country withholding tip
Before investing, compare the withholding tax of the source country. With a double-taxation treaty (e.g. Chile–US): 15%. Without treaty: up to 30%. Investing in domestic equities may reduce or eliminate withholding.