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Three tools, in the order I'd actually use them. Build the pile, decide how to split it, then turn it into income that shows up whether you work that month or not. Every one of them runs in your browser. Nothing gets sent anywhere.
You get
Aug 2032a date, not a vibe
Put in what you've invested and what you add each month. You get the month you cross six figures, how fast the next two arrive, and how much of each one is growth instead of your own money.
For you if the first $100K still feels impossibly far away.
You get
54 / 30 / 16growth · dividend growth · high income
Five questions decide your split across the three buckets: your timeline, how steady your income is, your cash cushion, when you'll need the money, and how much risk you already carry everywhere else. It's the same worksheet I run on my own portfolio.
For you if you know you should invest but not in what proportion.
You get
5.6%your Coverage Number · 1.7 days of every month
Enter your monthly bills and what your dividends pay you. See exactly what percentage of your expenses is already covered, and roughly how much more you'd need invested to close the rest of the gap.
For you if you're building income and want to know how close you actually are.
On YouTube
I use these on my real portfolio, on camera. The mistakes stay in.
Not financial advice. These tools are for educational and entertainment purposes only. They perform arithmetic on numbers you enter. They don't verify them, don't fetch live market data, and don't evaluate whether any investment is suitable for you. Mikey Moran is not a financial advisor, broker, or tax professional. Investing involves risk, including the possible loss of principal. Dividends and fund distributions are not guaranteed and can be reduced or eliminated at any time. Always do your own research and consult a licensed professional before making any investment decision.