YieldPulse Passive Income & FIRE Simulator

Investment Parameters

$
$
%
Yrs
Dividend Reinvestment (DRIP) Automatically compound earnings back into portfolio
Inflation Adjustment Account for average 2.5% inflation
Estimated Tax Friction (15%) Deduct capital gains/dividend taxes
Monthly Passive Income

$0

$0 / day
Total Portfolio Value

$0

Principal: $0
Total Compound Interest

$0

0% of portfolio
Time to $1,000/mo Passive

0 Yrs

Target Year: --

Freedom Milestone Unlocks

Level 1: Daily Coffee

Portfolio Growth & Cash Flow Progression

Yearly Compound Projection Table

Year Age / Year Total Invested Interest Earned Total Portfolio Monthly Income

Passive Income, FIRE & Compound Interest FAQ

Dividend Reinvestment Plans (DRIP) automatically take quarterly cash payouts generated by your assets and purchase additional stock shares or ETF units. Over time, those newly acquired shares generate their own dividend payouts, creating an exponential compounding loop where your money works for you without additional out-of-pocket investment.

The 4% Rule is a benchmark established by the Trinity Study in financial planning. It suggests that if you withdraw 4% of your total invested portfolio in your first year of retirement (adjusting the dollar amount for inflation each following year), your portfolio has a 95%+ historical probability of lasting at least 30 years without running out of funds.

Inflation erodes purchasing power over time at an average rate of ~2.5% per year. Taxes on capital gains and dividends deduct approximately 15% from taxable returns. Toggling the "Inflation Adjustment" and "Tax Friction" switches in YieldPulse recalculates your net growth, showing real-world purchasing power in today's dollars.

YieldPulse runs 100% locally in your browser using pure JavaScript and Web HTML5 APIs. No sensitive financial inputs or portfolio numbers are sent to external servers, providing maximum privacy, instant 0ms latency recalculations, and complete offline capability.