Your stack
3 streamsMonthly $
$5,800
Hrs/week
40h
Tax %
22%
Monthly $
$900
Hrs/week
6h
Tax %
30%
Monthly $
$85
Hrs/week
1h
Tax %
0%
Add a stream
Stack total (monthly)
$5,239
net after tax · $6,785 gross · $62,868/yr net
Where it comes from
You're effectively earning
$26/hr
across 47 hrs/wk of active work. If any stream pays under $25/hr net, consider whether the time could go into a stream that scales better.
How diversified is your income, really?
A stack of $5,200 from a W-2 job, $900 from freelance work, and $250 from dividends totals $6,350 a month — with about 18% coming from outside the paycheck. That 18% is resilience: it keeps covering bills in a layoff, and every side stream is also the seed of the next one. The builder maps each stream's share and after-tax value so you can see concentration risk at a glance.
$6,350/mo
Total stack
~18%
Non-W2 share
3
Streams
$1,150/mo
Side income
Frequently asked questions
Why this view matters
Gross isn't comparable across streams
A $5,000 W-2 paycheck is taxed at 22% effective. A $5,000 freelance invoice pays 30%+ once SE tax hits. A $5,000 cashback cycle isn't taxed at all. Only net-after-tax is comparable.
Time-weight your hourly rate
Your highest-earning hour isn't always in your highest-paying stream. If a side gig takes 10 hrs/wk for $600/mo, that's ~$14/hr — usually worse than the W-2 it supplements.
Stacks compound when passive
Dividend, interest, and cashback streams don't cost time. Grow those instead of trading hours for dollars — the time savings compound just like the money.