The Real Math Behind Passive Income
Honest breakdowns of every passive income strategy — real ROI calculations, time-to-profit estimates, and side-by-side comparisons. No hype, just the numbers.
What's Inside
ROI Calculators
Interactive calculators for every passive income type — dividends, rentals, digital products, agency retainers, and storage units.
Strategy Comparisons
Side-by-side breakdowns comparing passive income strategies on ROI, time investment, startup cost, and scalability.
Real Numbers
Actual P&L reports, case studies, and income breakdowns from real passive income operators — no theoretical nonsense.
Retirement Math
FIRE calculators, withdrawal rate modeling, and income stacking strategies for early retirement planning.
Latest Guides
Passive Income ROI: 8 Strategies Ranked
Side-by-side ROI comparison of 8 passive income strategies including dividends, rentals, storage, di...
ComparisonsDividends vs Rental Income: The Real Math Comparison
Dividends vs rental income compared with real math. See actual returns, tax treatment, time investme...
CalculatorsStorage Unit Income Calculator: Model Returns
Calculate returns from storage unit investing. Includes unit economics, occupancy modeling, expense ...
RetirementHow Much Passive Income Do You Actually Need to Retire?
Calculate how much passive income you need to retire comfortably. Real formulas, withdrawal rates, i...
Business IncomeAgency Recurring Revenue: Semi-Passive Income
How to build recurring revenue through agency retainers. Model breakdown, pricing strategy, client r...
FAQ
What passive income stream has the best ROI?
Digital products (courses, templates) have the highest ROI at 80-95% margins, but require upfront time investment. Dividend investing is the most truly passive at 3-5% annual return. Rental properties sit in the middle: 8-12% cash-on-cash return with moderate management effort.
How much passive income do I need to retire?
Using the 4% rule: multiply your annual expenses by 25. If you spend $4,000/month ($48K/year), you need $1.2M generating passive income. But if you have $2,000/month in rental income, you only need to cover the remaining $2,000 — cutting your target to $600K.
Is passive income really passive?
Almost nothing is 100% passive. We rate each income stream on a 'passivity scale' from 1-10. Index funds are a 9/10 (rebalance annually). Rental properties are a 4/10 (management, repairs, tenants). Digital products are a 6/10 (customer support, updates).
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Tools, guides, and real numbers.