This is from reddit. A CS rep asked the devs about how passive income works and actually got back to someone about it. So this is how it works in case anyone is curious. It actually clears up a lot of information for me. I wish this information was available in game.
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I’ve done what that dev mentioned, and have never earned passive income or seen the passive income popup 
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this explanation was written by a potato and not how it actually behaves. who’s midnight is it using and based on what? if my pc goes to japan will it be a different time or will it use japanese time?
as it stands now. i just the passive income notices every time i go to hq…even going back from a submenu but no income.
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Interesting, I have never seen this screen, ever. I currently have my crew on a plane and am doing missions and when I go to HQ nothing. So it must just be you who gets it every time. Also, I assume they mean midnight UTC, moves devs speak time in UTC.
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I normally see the passive income screen once i run the game for the first time next day.
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When I had two planes in one company the other plane never made any money, not while I flew in freelancer or employee mode.
After I sold it, bought a second company it started to work.
Now for the second day in a row it made it’s passive income.
Maybe it doesn’t work when you got more than one plane in a company?
However we would really appreciate if Asobo explained this feature in detail.
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Hi
Not sure to understand how it works?
Must have 2+ aircraft, 2 companies?
Thank for your help.
I don’t think that you must have two companies.
All I can say is that when I had two aircraft in one company, the second one didn’t make passive income. For the last three days I received passive income with 2 companies (sightseeing & cargo) and one plane in each of them.
I have also replicated this issue, but like you I don’t know if that’s the underlying bug for me with passive income or not. It could be, or it could be something else. Very frustrating issue because we have no optics on what the game is doing with this system
I cant figure it out. Im doing everything the Dev note says. I have 3 companies, each with mulitple crewed planes. Ive been doing hours of employee missions and freelance with spare planes. Everyday I login, No passive income, no insurance payments.
What am I doing wrong? Im about to just reset my career and hope it works afterwards
I got an charged like 64,000 in insurance bills in one day and it wiped out my my currently saved credits, which meant I could not even move a plane to take a freelance mission.
So you’re welcome, I think I paid my insurance bill, your insurance bill and several other peoples that day.
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They made it unnecessarily complicated to begin with…
Just making the aircraft on ‘crew’ generates extra income with flight hours, and adding it to the mission awards each time the player completes a mission would be a much clearer and simpler system.
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Dude, your my savior lol. After ripping my hair out why im not getting passive income for the past week, I tried what you did. Turned crew off on everything. Next day, get my first passive pay of 900k 
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I don’t really like the concept of needing to fly missions yourself to generate passive income. It removes part of the enjoyment from owning a company. I want to own several companies with several planes, leave career mode to go fly for my virtual airline for a couple days, come back and be able to spend the money they earned while I was away. Career mode in its current state just acts as a multiplier for the missions you fly, with a very high cost of entry. Its not really passive income.
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Dude I been trying to get passive income but I can’t I tried everything like turning crew on and off but nothing worked. Please find a way I would appreciate it
The one thing I was thinking about is whether the game just skips the process (or maybe just the notification) if you are in Career mode when it tries to update it.
I think I read that it happens at 12am UTC which is 6pm my time. I am not normally playing at that time but yesterday I was and I think it skipped it, I am not sure it even deducted insurance that day.
I think thats just happened to me, yesterday I was doing carrer at the time it generates the payment, and got nothing, no income nor insurance.
But I checked now and received both for the last 24 hours.
Thank you.
Thank you! I have been flying my planes 24/7 last days and wonderded why I did’,t get a single credit in passive.
*** Begin Rant ***
So NOW I know that the plane I am in has to have crew set to off…
One could think the game, the crew, the devs or someone with a slight sign of intelligence, could actually figure out that if I am sitting in the pilots seat of a plane, it is not available for a crew - or at least it might get a bit crowdy…
There are no problems with AI - there are major issues with the lack of Natural Intelligence. But look who’s talking - I figured this first today.
*** End Rant ***
Thank you again for sharing an explanation! 
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Did someone try to transfer airplanes to airports where a mission is listed? I have passive income every now and then. Not consistently. It occurred to me that maybe the plane needs to be in an airport where a mission of the right type is listed. If somebody did it already, please let me know. I’m doing it now and I’ll report back tomorrow.
[Edit] Makes no difference.
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