Red Hot Chili Peppers -- Ex-Guitarist's Wife Wants $75k In Divorce ... Per Month!!

The estranged wife of ex-Red Hot Chili Peppers guitarist John Frusciante says she needs $75k a month to keep the luxury train rollin' down the tracks.

Nicole Frusciante says in divorce docs the initial $20,000 payment she got from John doesn't cut it. She says it would be an enormous step down from their life as a married couple, with 3 homes, personal assistants and a private music studio.

Nicole says John has closed the vault on their fortune, leaving her with a bank account of under $30k. She wants access to his loot, which she claims hovers around $14 million.

TMZ broke the story ... the couple filed for divorce in May after being married for nearly 4 years.