SnowX Income
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Freedom Number calculator

Three quick steps. See the portfolio size that could cover your monthly spending, and how far along you already are.

Everything you spend in a typical month: housing, food, cars, travel, all of it.
Social Security, a pension or rent you collect. It lowers what your portfolio has to cover.
Pick a distribution rate
The income a portfolio pays each year, as a percent of its value. Higher rates usually mean more risk and less price growth. It is an assumption, not a promise.
Add up your brokerage accounts, IRAs and 401(k)s. Leave it blank if you are just starting.
More options
Optional. Holding back part of each payment for taxes makes your target bigger and more conservative.
Your Freedom Number
$680,000

At an assumed 15% distribution rate, a portfolio this size would pay about $102,000 a year, enough to cover $8,500 a month.

How close are you?

Enter what you have invested today in step 3 to see your progress.

Next stepBuild your portfolioEnter the funds you own and what each one yields to see how close your real portfolio gets. →

What if the rate is different?

Assumed ratePortfolio needed
6%$1,700,000
8%$1,275,000
10%$1,020,000
12%$850,000
15%$680,000
17%$600,000

See what a portfolio this size could pay

The SnowX Income™ sample portfolio shows how 8 income streams fit together, at your Freedom Number.

See the Sample Portfolio

Hypothetical tool for education only. The distribution rate is an assumption you choose, not a forecast or a promise. Rates of 15% and above typically come from option-income funds, which can lose value and can cut or stop their payouts. Distributions are not guaranteed and may include return of capital. Results ignore inflation, fees, and the timing of market returns. Not investment, tax or legal advice. How the math works.