September 23, 2026
Vibe coding cuts business costs: levelsio has a 94.5% margin
On September 23, Pieter Levels, known as levelsio, estimated the annual income from his business and investments at more than $10 million, with a business margin of 94.5%. His business revenue remains at $200–250 thousand per month. Investment income has exceeded that revenue for about a year.
@levelsio
@levelsio
💰 This year, my revenue plus investment income exceeded $10 million a year. I have always tried to push my margin as high as possible, especially in recent years. This year, I cut my SaaS dependencies down to a few companies because I vibe-coded my own replacements. The margin is now 94,5%! Spend less → lower expenses → more profit → more money saved → more money to invest → higher investment income. At some point, investment income starts surpassing business revenue. Mine has been doing that for about a year now. Most of my investments are regular ETFs such as Vanguard S&P 500. But there have also been a few successful bets on stocks and startups: In 2022, I could not buy a GPU: they were unavailable anywhere. So I decided that with such a shortage, Nvidia stock was worth buying. It worked out. In 2023, @dannypostma suggested investing in the companies whose models we used for AI inference in our photo-processing apps. I first invested in @replicate, then in @FAL. After that, I asked every service I used whether I could invest in it. That was the case with @cursor_ai in 2025, and @spacex recently acquired it! My business revenue remains steady: $200–250k per month. But investment income is already higher. Investment income fluctuates wildly: it rises one year and can fall sharply the next. Who is not expecting a major crash someday? Most of the gains are still unrealized because I never sell. So treat these figures with great caution. In my status dashboard, I keep revenue, investment income, margin, and sleep score side by side. They matter equally to me :D Over the past decade, many people told me to spend all my money — personal or business — on growth. I do not know what would have come of it: perhaps my companies would be bigger. But I like my own path: careful with money, profitable, and healthy. I think it all worked out wonderfully! 🙏😊
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Levels has been cutting down his SaaS dependencies in recent years, and in 2026 he kept only a few companies: he built replacements for the rest through vibe coding. He now ties this to a 94,5% margin: lower spending leaves more for savings and investments.
According to Levels, his investment income has exceeded his business revenue for about a year now.
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