Fintech Payments Certification • Training Resource
Residual Income Calculator
Explore how consistent merchant acquisition can build a recurring payments portfolio. Presented by Coach Swan Simpson.
Assumes each new account begins generating a full monthly residual in its signup month, remains active, and pays the same amount throughout.
Your monthly residual income
$24,000
240 active merchant accounts after 5 years, assuming no attrition.
Portfolio growth
Your monthly residuals over time
| Milestone | Active merchants | Monthly residual |
|---|---|---|
| Year 1 | 48 | $4,800 |
| Year 3 | 144 | $14,400 |
| Year 5 | 240 | $24,000 |
Educational illustration only — not an earnings claim or guarantee. Actual results depend on merchant retention, transaction volume, processor economics, commission splits, contract terms, chargebacks, and other factors. This simplified model assumes zero attrition, no seasonality, and a constant net residual per merchant. © Coach Swan Simpson • Fintech Payments Certification.