🛡️ Cash-flow coverage

Passive Income Coverage Calculator

Turn “How much passive income?” into a more useful question: how much of essential spending does it cover?

Calculator inputs

Dividends / fund distributions (monthly)

Interest / bond income (monthly)

Rental income (monthly)

Other passive income (monthly)

Essential living costs (monthly)

Mortgage / loan obligations (monthly)

Insurance / medical fixed budget (monthly)

Other essential fixed costs (monthly)

Passive-income coverage ratio

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Monthly passive income—

Monthly essential fixed costs—

Monthly surplus / shortfall—

Cash-flow status—

This is a scenario model, not a promise that a portfolio can sustain a given withdrawal rate or return. Taxes, inflation, longevity, healthcare, market paths and pension rules can materially change outcomes.

Coverage matters more than the headline income number

The same monthly passive income can be ample for one household and insufficient for another. Compare it with essential spending and fixed obligations.

The bands are planning labels, not safety guarantees

The 120%, 100% and 80% bands are simple interpretation ranges used by this website, not regulatory standards. Income quality, debt maturity, emergency reserves and asset volatility still matter.