Strategic IQ

Crossover Point Calculator

Discover when your passive investment income will cover all your monthly expenses — your personal financial independence date.

Your Numbers

%

Your Crossover Point

July 2059

33.4 years until financial independence

Portfolio at crossover: $900,366

Projection Chart

Portfolio growth vs. passive income using the 4% Rule

Portfolio
Passive Income
Monthly Expenses
Crossover Point

Milestones to Financial Independence

25%

16.9 years

Portfolio: $226,002

Income: $753/mo

50%

24.8 years

Portfolio: $452,811

Income: $1,509/mo

75%

29.8 years

Portfolio: $677,712

Income: $2,259/mo

100%

33.4 years

Portfolio: $900,366

Income: $3,001/mo

Disclaimer: This calculator is for educational and illustrative purposes only. It uses simplified assumptions including a constant annual return rate, fixed monthly expenses, and the 4% safe withdrawal rate. Actual investment returns fluctuate, taxes and inflation are not accounted for, and past performance does not guarantee future results. This is not financial advice — consult a qualified financial advisor for personalized guidance.