Portfolio Income Calculator
Annual income from dividend/interest yield.
Calculate annual income from a portfolio based on average dividend and interest yield. Enter portfolio value and blended yield for an instant result.
What this tool does
Enter portfolio value and blended income yield. The tool shows annual income.
Enter Values
Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
500,000 portfolio at 3.5% blended income yield = 17,500/year income. Divided monthly: 1,458. Compare to retirement budget — one way to reduce sequence risk is to live mostly off income rather than selling capital.
A worked example
Try the defaults: portfolio value of 500,000, blended yield of 3.5%. The tool returns 17,500.00. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.
What moves the number most
The result responds to Portfolio Value and Blended Yield. The rate and the time horizon usually dominate — compounding means a small change in either reshapes the final figure more than a similar shift in contribution size. Test this by doubling one input at a time.
The formula behind this
Portfolio × yield percentage = annual income. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.
Using this well
Treat the output as one point on a wider map. Run it three times — a pessimistic case, a central case, and a stretch case — and plan against the pessimistic one. That habit alone separates people who stick with an investment plan from those who bail at the first wobble.
What this doesn't capture
Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.
What to calculate alongside this
One figure by itself is fragile. The fi progress calculator, the dividend income calculator, and the dividend income goal calculator cover adjacent ground — the answer to any one of them changes how you read the output from this tool. Worth a few minutes each, honestly.
Portfolio income produces an annual figure based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Portfolio × yield percentage = annual income.
References
Frequently Asked Questions
Typical yields?
Is yield sustainable?
Tax on portfolio income?
Income vs total return?
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