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Estimate the dividend and growth yield of your investment with a few clicks.

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Dividend Income & Reinvestment Calculator

Calculate dividend income, reinvestment returns, yield scenarios, and long-term portfolio growth. Adjust your initial investment, monthly contributions, taxes, and reinvestment strategy to project compound dividend returns.

Quick start with a scenario

Investment Details

Contributions

Dividend Settings

2.5 %
15 %
DRIP
0 %

Growth

6 %
2.5 %
0 %

Time Horizon

20

Withdrawal

Based on your inputs, here's how your investment could grow over time. These projections assume consistent returns and contributions.

After 20 years, your investment will be worthInflation Rate2.5 %
...

Total portfolio value including contributions, dividends, and capital growth

Today's Purchasing Power...

Real values show today's purchasing power using the selected inflation rate. Charts remain nominal.

Total Return

ROI

89.63%

Annualized Return

CAGR

3.25%

Money-Weighted Return

IRR

5.79%

Average monthly income (Nominal)

...

Average monthly income (Real)

...

Breakdown

See how your final portfolio value is composed of your initial investment, ongoing contributions, dividend income, and stock price appreciation.

Principal

...

Contributions

...

Dividends

...

Growth

...

Taxes

...

Investment composition
Assumptions & Methodology
  • Dividend yield remains constant each year (unless dividend growth rate is set).
  • A flat tax rate is applied to all dividend income.
  • No brokerage fees or transaction costs are included.
  • Reinvested dividends earn the same yield as the original investment.

Disclaimer: Please note: These calculations are estimates based on the parameters you've provided. Actual investment performance will vary based on market conditions, stock selection, and timing. Past performance does not guarantee future results.

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Breakdown

This detailed table shows how your investment evolves year by year, including contributions, dividends earned, taxes paid, and total returns.

Try adjusting the parameters above to see how different strategies affect your long-term wealth accumulation.

Dividend Income & DRIP Calculator Guide

How to use this dividend calculator

Use this dividend income calculator to model DRIP reinvestment, compare yield assumptions, and estimate how your portfolio and passive income could grow over time. Start with the preset values or enter your own dividend investing scenario.

What each input means

Calculation assumptions

  • Contributions are added in the selected payment months after that month's price appreciation is applied.
  • Dividends are calculated in the selected payment months after monthly growth and any contribution for that month; when DRIP is enabled, net dividends are reinvested immediately.
  • Dividend tax is withheld from each dividend payment before reinvestment or cash payout.
Learn more about dividend investing

Learn more about dividend investing

These guides explain dividend reinvestment, dividend yield, and dividend taxes in more detail.

01

Dividend reinvestment guide

02

Dividend yield guide

03

Dividend tax guide

Dividend Calculator FAQ: DRIP, Yield, and Reinvestment

Browse our dividend calculator FAQ to learn how dividend yield, DRIP reinvestment, taxes, and portfolio growth affect your long-term passive income projections.

YearBalanceContributionsAnnual DividendsDividends TaxGrowthNew BalanceReal BalanceReturnReturn %
1........................7.09%
2........................6.49%
3........................6.23%
4........................6.08%
5........................5.98%
6........................5.92%
7........................5.87%
8........................5.83%
9........................5.80%
10........................5.78%
11........................5.76%
12........................5.74%
13........................5.73%
14........................5.71%
15........................5.70%
16........................5.70%
17........................5.69%
18........................5.68%
19........................5.67%
20........................5.67%