Income target
Passive-income goal planner
Do not say financial freedom until the math survives a calculator.
Change the number
What the math says Metric - Waiting on inputs. Metric - Waiting on inputs. Metric - Waiting on inputs. Metric - Waiting on inputs.
The first number is only the beginning.
After-tax target - Tax gap - Capital required -
The chart will name the assumption carrying the most weight once the model runs.
Scenario check
| Case | Result | What moved |
|---|
Assumption ledger
Assumption coach Move an input to see what assumption is carrying the story.
What happens if distributions pause?
Using best-case yield
A yield assumption is not a paycheck. Distributions can pause.
What this number is really saying
Income goals need capital, yield, patience, taxes, and reserves. Lifestyle language is cheap. Math is less polite.
The assumption to attack
Lower the yield and add tax holdback. The capital target usually gets bigger than the motivational quote.
What the math is ignoring
Concentration risk, liquidity, reinvestment, taxes, inflation, and whether income is steady.
Headline, stress, proof.
- Start with the headline result.It names the current modeled answer, not the decision.
- Compare the stress cases.The scenario strip shows which assumption makes the answer fragile.
- Use the ledger as a diligence list.Every input should map back to a document, invoice, statement, term sheet, or named assumption.
Documents before confidence.
Actual distributions, tax plan, reserve needs, diversification map, liquidity needs, and paused-income scenario planning.
Stress before trust
- Using best-case yield
- Ignoring taxes
- Treating distributions like salary
Make the model answer.
- What happens if distributions pause?
- How diversified is the income?
- What taxes and reserves come first?
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