Financial Freedom Planner Replace your paycheck with portfolio income
Check how large your nest egg needs to be for investment gains to cover today’s take-home pay, and what monthly investing gets you there.
Start with your paycheck
Enter the basics from your W‑2 so we can estimate take-home pay and apply the same tax rules to future investment gains.
Results show the long-term gains needed to match today’s paycheck and the portfolio size and savings plan to produce them.
Replace that paycheck
Target income equals your estimated take-home pay today. We solve for the long-term gains required to net the same dollars after tax.
| Annual W-2 pay (gross) | — |
| Taxes on W-2 wages | — — |
| Take-home pay after tax | — — per month |
| Capital gains needed (pre-tax) | — — per month |
| Taxes on those gains | — — |
| Capital gains after tax | — — per month |
Long-term gains use the same filing status, deduction, and state rate; NIIT is applied automatically when applicable.
Build the portfolio
Assuming steady monthly investing and the return you picked, here’s what it takes to cover that income target.
| Portfolio required to fund gains | — |
| Monthly investing to reach it | — — |
Contributions are treated as end-of-month deposits. Starting balance compounds alongside new contributions.