🧮 How This Calculator Works
Step 1: Income Stream Analysis
We analyze each income source for tax drag and compliance risk:
- Job: 20% tax drag, low compliance
- Freelance: 25% tax drag, medium compliance
- YouTube: 30% tax drag, medium compliance
- Trading: 35% tax drag, high compliance
- Rental: 25% tax drag, medium compliance
Step 2: Time Cost Calculation
We calculate your effective hourly rate:
- Total income ÷ (total hours × 4 weeks)
- Accounts for all time invested in income generation
- Shows real earning efficiency
Step 3: Sustainability Scoring
We score sustainability based on:
- Working hours (>60 hours = burnout risk)
- Number of streams (>4 = complexity penalty)
- High-risk streams (trading, etc.)
- Low hourly rate streams
Step 4: Risk Assessment
We evaluate:
- Compliance risk for each stream
- Income diversification benefits
- Burnout probability
- Optimization opportunities
Your Multi-Income Reality
Total Gross Income
₹0
All streams combined
Effective Tax Drag
₹0
Lost to taxes & compliance
Effective Hourly Rate
₹0
After all time invested
Sustainability Score
0
Out of 100
Reality Status
Calculating...
Income Stream Distribution
Time Investment vs Returns
Tax & Compliance Analysis
Loading tax details...
Risk Assessment
Analyzing risks...
Optimization Recommendations
Generating recommendations...