100 Percent Financed Help Center

What is the PILE Formula?

A brief explanation of the Passive Income Exceeding Living Expenses formula and how it is calculated

Passive Income Exceeding Living Expenses formula (PI>LE) - indicates the amount of passive income, per month, needed each month to quit your day job.

Calculate: multiply your total monthly expenses by 1.5 (this number accounts for reserves and/or unexpected expenses). The outcome, a dollar value per month ($/mo), quantifies your Financial Freedom goal. The higher the dollar value, the more units or cash flow per unit you will ultimately need.