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Portfolio scenario lab

Yield & Income Calculator

Estimate the income your portfolio can generate. See what borrowing costs, and plan repayment from distributions and regular contributions.

Published Yield InputsRepayment PlanningResearch Tool

Review Portfolios

Learn with an example

Load an example or enter your own inputs below.

3 example scenarios

Example to load

View example details & assumptions

Reserve some distributions for spending and use the rest, plus contributions, to become debt-free.

$100,000 own capital + $20,000 loan at 6%; 5% illustrative income-portfolio yield, $200 monthly distributions kept, 12-month repayment target.

1. Set your investment

Your invested capital

USD

Your own money invested, before adding margin.

Margin borrowed

USD

Added to your invested capital. Enter 0 to model no borrowing.

Annual borrowing rate

Used only when you include borrowed funds.

Portfolio allocation

100.00% / 100%

Set the mix used to calculate portfolio income.

ARCHYSAG

Keeps your current proportions.

Total invested value: —

Your invested capital + margin borrowed

Market drop & margin cushion · Optional

Initial market drop (%)Assumed maintenance requirement (%)

This separate price stress check does not change estimated distributions or repayment. The maintenance percentage is an illustrative assumption; enter your broker’s requirement. Actual requirements vary by holding and can change.

Set your invested capital to see this stress check.

2. Review income assumptions

Yield assumptions · Published portfolio yields

Portfolio Yields

Portfolio yields use the published composition data. Custom assumptions are saved for this simulator.

Provider references & methodology →

ARC last data refresh: Oct 16, 2026, 20:02:07 EDT

HYS last data refresh: Oct 16, 2026, 20:04:34 EDT

AG last data refresh: Oct 16, 2026, 20:08:00 EDT

ARC Yield

1.68%

Published portfolio yield

HYS Yield

5.03%

Published portfolio yield

AG Yield

0.20%

Published portfolio yield

Stress test · Optional

Change the assumptions to see their effect on the results above. A −1 pp yield change takes a 5% yield to 4%. Yield and borrowing rate are floored at 0%.

Portfolio yield change0.0 pp

Borrowing rate change0.0 pp

3. Understand your income

Enter your own invested capital above, or load an example, to see your results.

Plan toward an income goal · Optional

Monthly income goal after interest

USD/mo

Uses your selected yield and fixed loan amount. Before taxes and principal repayment; assumes distributions are available to spend.

Enter a goal to estimate the capital needed.

Income model methodology

Income uses total invested value × blended annual yield. Monthly income is annual income ÷ 12. Payments are estimates and may vary.
Income results show the starting loan balance. The repayment plan recalculates monthly interest as principal declines, using a fixed rate and constant income.
Distributions reserved for spending are excluded from repayment. The remaining cash flow pays interest first and principal second. Weekly contributions are converted using 52 ÷ 12. Unfunded interest requires separate funding; it is not added to the loan.
This income estimate excludes price changes, reinvestment, taxes, fees, and margin calls. Use Margin & Growth to model investment returns over time.

Daily cost display

Starting annual cost divided by 365 calendar days or 252 trading days.

Loading income model…

Explore growth with these inputs →

Save and share this scenario

Keep up to 10 named scenarios in this browser, or copy a link containing your inputs. Published yields follow future updates; custom yields remain fixed.

Scenario name

Saving with an existing name updates that saved scenario.

Correct the scenario inputs before saving or sharing.

2. Review income assumptions

Yield assumptions · Published portfolio yields

Portfolio Yields

Portfolio yields use the published composition data. Custom assumptions are saved for this simulator.

Provider references & methodology →

ARC last data refresh: Oct 16, 2026, 20:02:07 EDT

HYS last data refresh: Oct 16, 2026, 20:04:34 EDT

AG last data refresh: Oct 16, 2026, 20:08:00 EDT

ARC Yield

1.68%

Published portfolio yield

HYS Yield

5.03%

Published portfolio yield

AG Yield

0.20%

Published portfolio yield

Stress test · Optional

Change the assumptions to see their effect on the results above. A −1 pp yield change takes a 5% yield to 4%. Yield and borrowing rate are floored at 0%.

Portfolio yield change0.0 pp

Borrowing rate change0.0 pp

3. Understand your income

Enter your own invested capital above, or load an example, to see your results.

Plan toward an income goal · Optional

Monthly income goal after interest

USD/mo

Uses your selected yield and fixed loan amount. Before taxes and principal repayment; assumes distributions are available to spend.

Enter a goal to estimate the capital needed.

Income model methodology

Income uses total invested value × blended annual yield. Monthly income is annual income ÷ 12. Payments are estimates and may vary.
Income results show the starting loan balance. The repayment plan recalculates monthly interest as principal declines, using a fixed rate and constant income.
Distributions reserved for spending are excluded from repayment. The remaining cash flow pays interest first and principal second. Weekly contributions are converted using 52 ÷ 12. Unfunded interest requires separate funding; it is not added to the loan.
This income estimate excludes price changes, reinvestment, taxes, fees, and margin calls. Use Margin & Growth to model investment returns over time.

Daily cost display

Starting annual cost divided by 365 calendar days or 252 trading days.