Multiple Income Stream Calculator
Adjust income sources by payment period.
Multiple Income Stream Calculator: Scenario Inputs
Annual percentage rate or benchmark index change.
Inflation & Purchasing Power Analysis
Over 3 years at 3.5% inflation, a $75,000 salary requires $83,154 to retain equal purchasing power. Without matching raises, your real compensation experiences an effective reduction of $7,355 (-9.81%).
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How Multiple Income Stream Calculator Works?
The Multiple Income Stream Calculator works by annualizing each stream, applying its growth, and comparing the total with inflation.
Add each stream
Type the amount and payment frequency for each income source.
Set growth per stream
Type the expected change for each stream next year.
Enter inflation
Type the expected inflation rate.
Read the total
The output shows yearly income, real change by stream and the total real change.
Multiple Income Stream Calculator Formula
The Multiple Income Stream formula multiplies each payment by its yearly frequency and sums the results.
Yearly = Σ Paymentj × Frequencyj
Realj = (1 + gj) ÷ (1 + π) − 1
Variables
- Frequencyj
- 52 weekly, 12 monthly, 4 quarterly, 1 yearly
- gj
- Growth of stream j
Worked example
Four streams total $96,200 per year. With the growth rates shown and 3.5% inflation, next year's total of $99,092 is -0.48% in real terms.
Multiple Income Stream Calculator Conversion Table
This table annualizes 4 income streams and shows each stream's real change at 3.5% inflation.
| Stream | Payment | Payments per year | Yearly amount | Growth next year | Real change |
|---|---|---|---|---|---|
| Salary (monthly) | $5,200 | 12 | $62,400 | 4.0% | +0.48% |
| Freelance (weekly) | $350 | 52 | $18,200 | 0.0% | -3.38% |
| Rental income (monthly) | $1,100 | 12 | $13,200 | 3.0% | -0.48% |
| Dividends (quarterly) | $600 | 4 | $2,400 | 0.0% | -3.38% |
| Total | — | — | $96,200 | 3.01% | -0.48% |
What is Multiple Income Stream Calculator?
The Multiple Income Stream Calculator is a tool that converts income sources paid weekly, monthly, quarterly or yearly into one yearly total and adjusts each stream for inflation. Each stream keeps its own payment frequency and growth rate.
Streams that do not grow, such as fixed rental contracts or flat freelance rates, lose real value each year.
What are the uses of Multiple Income Stream Calculator?
There are 4 main uses of the Multiple Income Stream Calculator.
Total mixed income
Combine pay on different schedules into one yearly figure.
Find stagnant streams
Spot income that loses real value each year.
Plan freelance rates
Set rate increases for side income.
Prepare loan applications
Show lenders a clear yearly income total.
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