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

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How much do I need to invest to make $10,000/month in dividends?

Use the calculator below to find the exact principal, contribution, or yield required to reach $10,000 per month in dividend income. Adjust your dividend yield assumption, time horizon, and tax rate — the calculator solves for the missing piece.

Tell us your goal — we'll figure out the missing piece.

Given these inputs

2.5 %
0 %
6 %
15 %
2.5 %

Reverse Goal mode plans the accumulation phase. Withdrawals are disabled.

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.

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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FIRE

Plug in your income, expenses, and savings to see exactly when you could hit financial independence. Compare Traditional, Coast, Barista, Lean, and Fat FIRE scenarios side by side.

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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.

How this calculator works

Generating $10,000 per month in dividend income — that is $120,000 per year — depends on three main inputs: your portfolio's starting capital, the dividend yield of your holdings, and how long you plan to compound returns. The calculator above uses a numerical solver to compute the missing variable (principal, by default) given the others.

Quick reference

As a rule of thumb, the principal required for a given monthly target is roughly (annual target) ÷ (yield). For $10,000/month at a 4% yield, that works out to about $3,000,000. Of course, taxes, dividend growth, and reinvestment all change the picture — use the calculator to model your actual situation.

Explore other dividend income goals

  • Reach $500/month
  • Reach $1,000/month
  • Reach $2,000/month
  • Reach $3,000/month
  • Reach $5,000/month
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%