Financial Calculator - Passive Income MD

Passive Income MD

Financial Numbers Calculator

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Security Freedom Results
Step 1 of 2
Your Financial Security Number
The baseline — what it costs to keep everything running with zero financial stress. Just the essentials: nothing gets cut, nothing falls behind.
🏠 Housing
$
$
$
$
⚡ Utilities & Bills
$
$
$
$
🛒 Food
$
🚗 Transportation
$
$
$
🏥 Healthcare
$
$
🛡️ Insurance & Protection
$
$
💳 Debt Obligations
$
$
👨‍👩‍👧 Family
$
$
Security Freedom Results
Step 2 of 2
Your Financial Freedom Number
Now the lifestyle layer — what you'd add on top of security to actually enjoy your life. Travel, dining, hobbies, giving. These are the expenses that make the work worth it.
🍽️ Dining & Food
$
✈️ Travel
$
🎭 Entertainment & Lifestyle
$
$
$
$
👗 Personal
$
$
🧒 Kids & Family
$
$
🏡 Home
$
$
🤝 Giving
$
$
Security Freedom Results

Your Two Numbers

These are the benchmarks that define your financial journey.

🔒 Financial Security
$0
per month
$0 / year
🚀 Financial Freedom
$0
per month
$0 / year
Classic Financial Independence Numbers
Traditional Approach
Security FI Number
$0
Portfolio to cover security (4% rule)
Freedom FI Number
$0
Portfolio to cover freedom (4% rule)
The classic way — but it comes with a catch. The 4% rule says you need 25x your annual expenses saved before you can stop working. That number can feel impossibly far away, is hard to predict, and — most importantly — tempts you to put life on hold until you finally "get there." Most people never do.
The PIMD Approach

Focus on the monthly number, not the portfolio target.

Instead of chasing a giant number decades away, focus on building passive income streams — real estate, private equity, business — that cover your monthly needs. As that income grows month by month, you get to start designing the life you want now, not at some distant finish line.
Monthly Security Target
$0
Passive income to cover the essentials
Monthly Freedom Target
$0
Passive income to fund your full life

Security Breakdown

Freedom Add-ons Breakdown

Now: Build the Passive Income to Cover It

Knowing your numbers is step one. The next step is building the income streams — real estate, private equity, business — to replace your active income.

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