The crossover point where dividends cover your living costs, plus stress scenarios
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Crossover — when dividends cover your expenses
15y 4m from now
Portfolio at crossover$1,311,661
Monthly dividends then (net)$5,889
Expenses then (nominal)$5,841
Monthly dividend growth
Net dividendsTarget expensesStress case
$13,801$10,351$6,901$3,450$0
0y4y8y13y17y21y
Stress scenarios
Compared with the base case
Dividend cut 30%19y 11m4y 7m later than baseInflation shock +3pp19y 10m4y 6m later than baseBoth at once26y 10m11y 6m later than base
Year-by-year detail
Annual projection
Year
Portfolio
Annual dividends (net)
Monthly dividends
Coverage
Year 1
$155,335
$5,442
$454
11%
Year 2
$193,920
$7,001
$583
14%
Year 3
$236,130
$8,785
$732
17%
Year 4
$282,391
$10,826
$902
20%
Year 5
$333,187
$13,163
$1,097
24%
Year 6
$389,066
$15,839
$1,320
28%
Year 7
$450,653
$18,905
$1,575
33%
Year 8
$518,658
$22,421
$1,868
38%
Year 9
$593,895
$26,456
$2,205
44%
Year 10
$677,291
$31,091
$2,591
51%
Year 11
$769,911
$36,420
$3,035
58%
Year 12
$872,975
$42,554
$3,546
66%
Year 13
$987,889
$49,623
$4,135
75%
Year 14
$1,116,269
$57,780
$4,815
85%
Year 15
$1,259,984
$67,207
$5,601
97%
Year 16
$1,421,196
$78,116
$6,510
110%
Year 17
$1,602,407
$90,761
$7,563
124%
Year 18
$1,806,530
$105,440
$8,787
141%
Year 19
$2,036,950
$122,513
$10,209
160%
Year 20
$2,297,621
$142,402
$11,867
181%
Year 21
$2,593,165
$165,618
$13,801
205%
Work out when dividends can replace your paycheck
Dividend-based FIRE hinges on the crossover point: the month your after-tax dividend income passes your living costs. Enter your portfolio, monthly investment, yield, dividend growth, price appreciation, withholding tax and inflation, and the model runs a month-by-month DRIP simulation to find that date and the portfolio size behind it — then stress-tests it against dividend cuts and inflation shocks.
How to use this calculator
Enter the portfolio and monthly amount you can invest without relying on uncertain bonuses.
Use the fund's current distribution yield, then separate dividend growth from share-price growth.
Compare the base result with a dividend cut and higher-inflation case before using the crossover date.
How to read the result
The crossover date is the first month modeled after-tax dividends cover modeled expenses. The portfolio value at that point matters too: a result driven mainly by a very high starting yield is less resilient than one supported by continued contributions and dividend growth.
What this estimate does not capture
Yield is not guaranteed and a distribution can include return of capital. Verify a fund's distribution history, tax character and concentration before treating the displayed income as durable.
Methodology, assumptions & limits
Inputs are applied directly to standard finance formulas with monthly compounding where relevant. Results are estimates in the selected currency; they do not include every tax, fee, benefit, market event or local rule. Try a conservative and an optimistic case before making a decision.
All math runs in your browser and your inputs are never sent to a server. Settings are saved locally and share links encode the state in the URL. For information only — not investment or tax advice.