Passive income calculator
Enter the monthly income you want, the yearly yield and what you already have to see the capital needed and how much is missing.
Free · no sign-up The values you type stay in your browser: nothing is sent or stored.
Capital needed
R$1,497,889.68
- What is missing
- R$1,397,889.68
- Monthly income of your current net worth
- R$333.80
Your result in words
To receive R$5,000.00 a month with a yield of 4.08% a year, you need R$1,497,889.68. With R$100,000.00, R$1,397,889.68 is missing; today your net worth yields R$333.80 a month.
Informational estimate, without fees or inflation. Check taxes and charges for your case; the real result may differ.
How it works
Living off income
Living off income means having a net worth whose monthly yield pays your expenses without spending the capital. The lower the yield, the more capital you need.
Cautions
Yields vary, there are taxes and inflation erodes income. Use a conservative, after-tax rate and leave a margin: the result is an estimate, not a guarantee.
Formula
How to calculate
C is the capital needed, R the desired monthly income and i the equivalent monthly rate of the yield. What is missing is C minus your current net worth.
Example
With round numbers, so you can check the math:
To receive R$5,000.00 a month with a yield of 10% a year, you need R$627,026.83. With R$100,000.00, R$527,026.83 is missing; today your net worth yields R$797.41 a month.
Frequently asked questions
What yield should I use?
The after-tax yield you realistically expect. The lower the rate, the more capital you need.
Does the income follow inflation?
Only if the investment does. The calculator does not adjust the value; update the desired income from time to time.
Is the capital consumed?
Not in this calculation: the income comes only from the yield and the capital stays intact.
Math checked by the JuntaTudo team · updated on Nov 12, 2026
