The income desk · 02
Bring stocks, dividend funds, and cash products into one income picture. Then cut the stock payouts and lower the cash rate to see what still covers your expenses.
Example amounts are prefilled. Replace them with your own payout or interest estimates; nothing connects to a brokerage account.
Saving is optional and local to this browser. Anyone using this device could view a saved plan.
Your annual income picture
$26,250gross annual cash income · $2,188 monthly equivalent
Against annual bills
−$9,750
After your stress test
$16,375annual income
Stressed gap against bills
−$19,625 / year
Gross, straight-line planning model. It does not include taxes, inflation, changes in asset prices, reinvestment, fees, or the timing of payments. Treasury bills and CDs pay on their own schedules; “monthly equivalent” is an average, not a payment calendar.
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Or create a free TFS account for Bank Watch →Use individual company shares for stocks; mutual funds and ETFs for funds; savings, CDs, or Treasury bills for cash. Enter current researched yields or hypothetical rates. This tool does not fetch live stock prices or dividend declarations.
Dividends can be reduced or stopped. Savings APYs and bill reinvestment rates can fall. The stress test exposes how dependent your bills are on today’s payout assumptions.
Results exclude taxes and fees. Distribution tax treatment varies, and interest is generally taxable when received. See IRS Publication 550 for investment income rules.
Our dividend ETF versus Treasury calculator uses a dated U.S. Treasury yield when available, and lets you enter your own ETF distribution yield.