Dividend Calculator
Work out your dividend income, reinvested shares and portfolio value year by year. A dividend reinvestment calculator, yield on cost tracker and compound dividend calculator in one.
Dividend income in year 20
$2,302
About $192 a month, from a portfolio worth $51,352
- Money you put in $10,000
- Dividends received $21,886
- Shares owned at the end 468.73
- Yield on cost 23.02%
- Dividend income in year 1 $406
- Tax paid on dividends $0
| Year | Shares | Dividends | Value |
|---|---|---|---|
| 1 | 207.92 | $406 | $10,812 |
| 5 | 243.79 | $578 | $14,830 |
| 10 | 300.04 | $907 | $22,207 |
| 15 | 373.03 | $1,437 | $33,591 |
| 20 | 468.73 | $2,302 | $51,352 |
Estimates only. Dividends are not guaranteed, companies can cut them, and share prices move both ways. Figures assume dividends are paid and reinvested on schedule and ignore brokerage fees. Not investment advice.
About this tool
This dividend calculator shows what your shares actually pay you. Put in the amount you invested, the share price, the dividend yield and how fast you expect the dividend to grow, and it works out your dividend income for each year, your yield on cost and what the holding is worth at the end. Leave the DRIP box ticked and it runs as a dividend reinvestment calculator: every payout buys more shares at that year's price, so the next payout is larger. Untick it and you see the cash version, where the dividends land in your account and the share count never moves. The difference is bigger than most people expect. On a $10,000 investment at a 4% yield with 5% dividend growth and 4% price growth, reinvesting for 20 years leaves you with about $51,352 and roughly $2,302 of dividend income a year, against $21,911 and $1,011 if you spend every payout. It doubles as a stock dividend calculator for a single holding, a monthly dividend calculator if you own a fund that pays every month, and a dividend income calculator for anyone building towards living off dividends. You can add a monthly contribution to model a buy-every-payday plan, and set a tax rate if your dividends are taxed, so the compounding is based on what actually reaches your account. The yearly table shows shares owned, dividends paid and portfolio value, which makes it easy to see the point where the dividend income starts to matter.
How to use
Enter the amount you are investing and the current share price. Add the dividend yield, which you can find on any stock or ETF quote page, then your estimate for dividend growth a year and share price growth a year. Pick how many years to project and how often the company pays: monthly, quarterly, twice a year or once a year. Keep "Reinvest dividends (DRIP)" ticked to compound the payouts, or untick it to take the income as cash. If you plan to keep buying, put your monthly amount in the contribution box. If your dividends are taxed, enter the rate so the reinvested amount is realistic. The results update as you type, with income per year and per month, total dividends received, shares owned, yield on cost and a year by year table.