Cash flow calculator guide
How much can you spend per day from interest or dividends?
Estimate annual income from principal and annual yield, then divide it into monthly and daily spending amounts. Taxes and fees are not included.
Daily spending
Divide annual income by 365 to see how much the income could support per day.
Yield comparison
Adjust the comparison step to see how 4.0%, 4.5%, and 5.0% yields change annual, monthly, and daily spendable amounts.
Simple estimate
Taxes, fees, FX, dividend cuts, rate changes, and price movement are not included.
How is the cash flow calculated?
The calculator multiplies principal by annual yield to estimate annual interest or dividend income. It then divides that amount by 12 months or 365 days.
For example, 1,000,000 at a 4% annual yield creates 40,000 in annual income before taxes and fees. That is about 3,333 per month or about 109.58 per day.
Why compare several yield levels?
The same principal can produce meaningfully different income with a small yield change. On 1,000,000, the difference between 4.0% and 4.5% is 5,000 per year.
That is why the calculator shows several yield scenarios side by side, so the annual, monthly, and daily differences are easier to read.
What should you be careful about?
The result assumes the yield stays constant and the principal is preserved. Real investments can include dividend cuts, rate changes, price declines, FX, taxes, and fees.
Use this as a scale check for income, not as a promise that a portfolio can safely fund spending.