Passive income is money you earn without having to actively work for it every day.
It’s when your savings are invested in a way that allows them to grow and eventually generate income for you.
Instead of relying only on your salary or business profits, you build a capital base that can support a steady monthly payout over time.
At Rubiani, we use disciplined investment principles and our experience in fund-based investing to design a structured path toward building your passive income gradually and sustainably.
Simple & Low Effort
Compounding Growth
Flexible Investing
Income-Focused
The Passive Income Builder is designed for individuals who want to gradually build an additional income stream from their savings.
It may not be suitable for those looking for short-term gains or high-risk strategies.
Illustration:
If you invest KES 20,000 per month for 4 years,
your capital could grow to approximately KES 1,174,450.
Based on our current projection assumptions, that capital could support a passive income of about
KES 9,787 per month.
This is a projection for planning purposes — not a guarantee. Use the calculator below to test different amounts and timelines.
Step 1: Invest monthly (or lump sum)
Step 2: Grow through compounding
Step 3: Activate monthly income
Adjust the inputs to see a projected path toward monthly income.
Prefer full-screen? Open the calculator.
We keep the journey simple and show assumptions upfront—so you understand what is driving the projection.
Projections are illustrations, not guarantees. Investing involves risk and returns may vary over time.
1. Is this guaranteed income? 2. Can I withdraw anytime? 3. What return rate is used? 4. What if I pause contributions? 5. Who is this best for?
Use the calculator, choose a sustainable monthly amount, and begin with a plan you can maintain.
Turn Savings Into Monthly Income
Why this product works
A clear plan you can stick to.
Your balance grows as returns accumulate.
Adjust contributions as life changes.
Designed around future monthly payouts.
Who is this for?
What could this look like in practice?
How it works
Choose an amount you can sustain.
Returns add up as your base grows.
When ready, start drawing an income.
Calculate Your Monthly Passive Income
Rubiani Passive Income Calculator
Designed for clarity
Important note
Frequently Asked Questions
No. The calculator provides projections for planning. Actual outcomes depend on returns and your contributions.
Access depends on the product rules and provider terms. This is designed for building an income base, not day-to-day spending.
An assumed rate is used for illustration. We can update assumptions as market conditions change.
Your existing balance may still grow, but reaching your income target can take longer.
People who want a simple, structured way to build future monthly income from savings.
Start building your passive income runway
