Start with money you could actually use
A monthly net goal of USD 1,000 means USD 12,000 after tax per year. It differs from a goal of USD 1,000 before tax. A smaller goal, such as USD 30 for coffee or USD 70 for a phone bill, follows the same formula.
These goals are monthly averages, not a promise of an equal payment every month. Use your payment calendar to explore the dates separately.
The capital formula
Required capital = monthly net goal × 12 ÷ annual net yield
At a 5% gross yield, 15.4% assumed tax and a 100% taxable portion, the annual net yield is 4.23%. A USD 1,000 monthly goal implies USD 283,687.95 of capital, rounded up to the next cent. These are hypothetical inputs, not a current product quote.
Compare like with like
| Gross yield assumption | Net yield assumption | Required capital · USD |
|---|---|---|
| 3% | 2.538% | 472,813.24 |
| 5% | 4.23% | 283,687.95 |
| 7% | 5.922% | 202,634.25 |
All rows use the same tax assumptions and USD 1,000 monthly net goal. A larger yield makes the implied capital smaller, but the formula cannot establish whether that yield is sustainable or whether a fund suits you.
Include what you already hold
Add multiple holdings to see their combined annual income, monthly average and remaining goal gap. Historical average purchase cost measures your existing invested cost; it does not determine what new shares will cost.
For an additional-purchase scenario, select one holding and enter its current price and distribution assumption. Required shares are rounded up to whole shares. Each selection independently fills the whole gap: do not add the scenarios together as a recommended portfolio. Fees, price changes and future distribution changes are excluded.