Build Income That Works While You Sleep
Simulate building passive income streams through rental properties, dividend stocks, and bonds. See exactly how long it takes to replace your salary — and which combination of assets gets you there fastest.
Three paths to passive income. One simulator to test them all.
Each income stream has different risk profiles, capital requirements, and growth trajectories. CapitalLab lets you test every combination to find your optimal mix.
Rental Properties
Buy residential and commercial properties that generate monthly rental income. Manage tenants, handle vacancies, and scale your real estate portfolio over 20 simulated years.
Dividend Stocks
Invest in dividend-paying stocks and index funds. Reinvest dividends to compound your returns, or use them as income. Practice building a portfolio that pays you quarterly.
Bond Interest
Add stability with Treasury, municipal, and corporate bonds. Earn predictable interest income while reducing portfolio volatility. The anchor of any income strategy.
Build a rental empire, one property at a time
Real estate is one of the most proven paths to passive income. In CapitalLab, you practice the entire journey — buying your first rental, managing cash flow, using equity to acquire more properties, and scaling to a portfolio that replaces your salary.
- Buy properties from 6 types: single-family, apartments, condos, multi-family, commercial, and land
- Finance with conventional mortgages, hard money, or owner financing
- Manage vacancy rates, maintenance costs, and rent increases
- Use HELOC equity from one property to fund the next acquisition
- Track cash flow, cap rate, and cash-on-cash return per property
- See how rental income grows as mortgages get paid down over time
Compound dividends into a growing income stream
Dividend investing is the quiet path to passive income. Reinvest dividends in your early years to compound growth, then switch to taking income as you approach your target. CapitalLab tracks every dividend payment and shows you exactly how your income grows quarter by quarter.
- Invest in 12 real-world tickers with realistic dividend yields
- Toggle between reinvesting dividends and taking cash income
- See how dividend growth compounds over 20 years
- Compare total return vs. dividend-focused strategies
- Mix dividend stocks with growth stocks for optimal balance
The most successful investors combine all three
Rental income for cash flow. Dividends for growth. Bonds for stability.CapitalLab lets you test every combination to find the mix that maximizes your passive income while managing risk.
Real Estate: Cash Flow Engine
Rental properties generate the highest monthly income but require the most capital and management. Use leverage to amplify returns and build equity over time.
Stocks: Growth & Dividends
Index funds and dividend stocks provide compound growth and quarterly income. More liquid than real estate and easier to scale with smaller amounts.
Bonds: Stability & Income
Fixed income from Treasury and corporate bonds provides predictable returns regardless of market conditions. The foundation that protects your portfolio.
Your passive income milestones
Every journey needs waypoints. Track your progress toward these income targets and watch how each strategy gets you there at different speeds.
Cover your basic bills
Your first $1,000 in monthly passive income covers utilities, groceries, or a car payment. This milestone proves the system works and builds momentum for scaling.
Cover your housing costs
At $3,000/month, your passive income covers your mortgage or rent plus most monthly expenses. You start to feel the freedom of income you didn't have to work for.
Replace your salary
This is the finish line for many. $5,000/month in passive income means work becomes optional. Your investments generate enough to fund your entire lifestyle.
Start building your income streams.
Passive income doesn't happen overnight — but it does happen with the right strategy. Simulate your path to financial freedom and see how quickly your income grows.