Passive Income Projection
Model how passive income growth impacts your retirement plan. Compare baseline projections with growth scenarios to optimize your income strategy. See dividends and other passive income by account, with country-aware tax treatment for Canada and the United States and net worth impact.
Dividend & Passive Income Modeling
Model how dividends and other passive income sources grow over time and impact your retirement plan. See how yield and growth assumptions affect your long-term income.
Growth Scenario Comparison
Compare baseline projections with growth scenarios. Test different dividend growth rates and see how they improve your retirement income and net worth over time.
Income Over Time Charts
Visualize passive income by year with detailed charts. See cumulative dividends, income by account, and how adjustments flow through your retirement timeline.
Account-Level Breakdown
See dividend yield and passive income by account type—RRSP/TFSA/non-registered in Canada, or Traditional/Roth IRA, 401(k), and taxable brokerage in the United States. Understand tax treatment and optimize where you hold income-producing assets.
Tax Impact Analysis
Country-aware tax rules for dividends and other passive income are modeled—Canadian eligible vs. non-eligible dividends, or U.S. qualified vs. ordinary dividends and capital gains. See after-tax income and how it integrates with your overall retirement strategy.
Net Worth & Withdrawal Impact
See how passive income affects your net worth trajectory and required withdrawals. Reduce sequence-of-returns risk by understanding how dividends support your retirement cash flow.
Inside Passive Income Projection
Ten screens from Projection Lab → Passive Income Projection (Dividend over time): configure growth, DRIP, and yields; save; run after chance-of-success is available; then success summary and Chart / Analysis views—Income Chart, Net Worth, Cumulative, By Account, Tax Impact, Tax Guidance, and Income Schedule (Detailed Table is also in the app).
Growth and date range
Choose plan, dividend direction (increase or decrease), adjustment type (percentage), growth rate, optional start and end bound to milestones or calendar, and optional custom per-account dividend yields for dividend-paying accounts (TFSA, RRSP, LIRA, taxable, etc., with You/Spouse when household planning is on).
Key Benefits
Why use our Passive Income Projection?
Model dividend growth and passive income within your retirement plan
Compare baseline vs. growth scenarios side by side
Country-aware dividend & capital-gain tax treatment (Canada and U.S.)
Income by account and cumulative views with detailed tables
Integrates with retirement simulation and chance of success
Optimize your passive income strategy for retirement
Ready to Model Your Passive Income?
Start your free account and use Passive Income Projection in Projection Lab to see how dividends and growth scenarios affect your retirement plan.