Add your income streams, see how exposed you are, and get a clear picture of what happens if any one source disappears.
Add your income streams above and hit Calculate to see your full breakdown.
Your score and breakdown will appear here once you add your streams.
Based on your score and stream mix, here is where to focus.
Income diversification means building more than one source of income so that no single source controls your financial stability. Most people start with one income stream — a job — and stay there indefinitely. This is not a problem until it is: a redundancy, a health issue, a client leaving, or an industry shift can eliminate 100% of income overnight.
Diversification does not mean having ten side hustles. It means building a mix of income types that are not all dependent on the same conditions to survive. Read more: Why One Income Stream Is Risky.
One or two income streams, likely all active, with one stream representing 80%+ of total income. A single disruption could eliminate most or all income immediately. The priority is adding a second stream as soon as possible — even a small one changes the risk picture significantly.
Two to three income streams but with heavy concentration in one source. Some resilience but still high exposure. The focus at this stage is reducing the concentration percentage of the primary stream and developing at least one non-active income type.
Three or more income streams with reasonable spread. No single source dominates entirely, but the mix may be all-active or all-variable. The next step is introducing a semi-passive or passive stream — even a small one adds significant resilience because it decouples income from time.
Four or more streams across multiple types. Losing any one source would be uncomfortable but manageable. This is where most financially stable people with intentional income planning land. The focus here is optimising the passive/semi-passive mix and improving stream stability.
Five or more streams with a strong passive component and no single stream above 50% of total income. Losing any one source is a minor setback, not a crisis. The focus at this level is maintaining the mix, growing passive income, and protecting against correlated risks (streams that could all fail together).
Add your income streams above and find out exactly how exposed you are.
The realistic answer is three to five for most people. One primary income covering essentials, one to two secondary active streams (freelance work, part-time, consulting), and one to two passive or semi-passive streams (a digital product, rental income, dividends). Beyond five, you risk spreading attention too thin and managing more than you grow.
The type of streams matters as much as the number. Three active income streams all tied to your personal labour give you less resilience than two active streams and one passive — because the passive stream continues even if you cannot work. Read: Active vs Passive Income: What's the Difference?
The most common mistake is trying to build a passive income stream first. Passive income almost always requires either capital (to invest) or a significant time investment upfront (to build a product or audience). Most people do not have either available when they first start diversifying.
A more practical sequence: start with a second active stream using skills you already have, build it until it generates consistent income, then use that surplus to fund the slower, capital-intensive passive streams. Read: Skill-Based Income Explained.
To understand the gap between your current and target income, use the Income Gap Calculator.
Free, instant, no account needed. See your diversification score in under a minute.
Income diversification means having more than one source of income so that losing any single source does not eliminate your financial stability. A diversified income portfolio includes a mix of active income (salary, freelance) and passive or semi-passive income (investments, digital products, rental).
The score is based on three factors: number of income streams (more is better up to 5), concentration risk (lower percentage in any single stream is better), and stream type diversity (having a mix of active, semi-passive, and passive income scores higher than all-active streams).
A score above 60 indicates meaningful diversification — you have multiple streams with reasonable spread. Above 80 reflects strong diversification with a mix of active and passive income types. Most people start at 10–20 (one job, all income from one source) and build from there.
The planner runs entirely in your browser — no account is needed and nothing is stored on our servers. To save your results, take a screenshot or note your score and stream breakdown. You can return and re-enter your streams at any time to track progress.
The Income Gap Calculator shows the difference between your current income and your target, and how many hours of skill-based work it takes to close it. The Diversification Planner shows how resilient your current income mix is and what happens if any one stream disappears. They answer different questions and work best used together.
The Financial Health Score assesses income, saving, debt, budgeting, and mindset — all in 60 seconds.