How Much Monthly Income Would Make Your Paycheck Less Important?
Calculate how much of your monthly lifestyle is already supported by dividends, rentals, business income, pensions, royalties, and other income sources—and see the remaining gap between where you are and where you want to be.
Freedom Number Cashflow Calculator
Enter your monthly income target, annual passive-income sources, and monthly expenses below. StockMags will convert annual income to monthly cash flow and compare it with both your expenses and your W-2 income target.
Set Your Monthly Income Target
Enter the monthly paycheck or income amount you would eventually like your passive cash flow to replace.
Add Your Annual Passive Cash Flow
Enter annual totals. The calculator automatically converts them into estimated monthly cash flow.
Add Your Monthly Expenses
Enter your monthly expense totals so the calculator can estimate how much of your current lifestyle is covered by passive cash flow.
Your Freedom Number Results
Enter your numbers above to see your freedom status.
Your Numbers at a Glance
| Passive income per month | $0 |
| Total monthly income (W-2 + passive) | $0 |
| Total monthly expenses | $0 |
| Passive surplus after expenses | $0 |
| Monthly cash flow after expenses | $0 |
| Expense coverage ratio | 0.0% |
| W-2 replacement ratio | 0.0% |
| Freedom Number target | $0 |
| Remaining monthly gap to replace W-2 | $0 |
Turn the Number Into a Next Step
After you enter your numbers, use the free Freedom Number Builder™ GPT to organize your income streams, Freedom Gap, and potential next actions in plain English.
Open the Freedom Number Builder™ GPT →How This Calculator Works
Annual passive cash-flow amounts are divided by 12 to estimate monthly passive income. Monthly expenses are added together directly. The calculator then compares passive income with both your total monthly expenses and your W-2 monthly income target.
Educational use only. This calculator provides estimates based on information and assumptions you enter. It is not financial, investment, tax, legal, insurance, or accounting advice and does not guarantee any financial result.