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Investing & growth

Dividend Calculator

Model dividend reinvestment (DRIP), growing payouts, and rising share prices — and watch your share count and yield on cost compound.

InputsDIV
$
%
%
%
Annual contribution Added each year
$
Reinvest dividends DRIP — compound your shares
Portfolio value18.7% YoC
$468,014
total invested$100,000
cumulative dividends$166,243
annual dividend income$18,678
ending value
$468,014
yield on cost
18.7%
shares
1,382
Portfolio & dividends over time
Portfolio value Cumulative dividends
$0$126k$253k$379k$505k2026203420432051

How dividend reinvestment compounds

Each year your shares pay a dividend. With DRIP on, that cash buys more shares at the current price, so next year's dividend is paid on a larger position. Layer in dividend growth (the company raising its payout) and price appreciation, and three forces compound at once.

shares₊ = shares + (dividends + contributions) / share price

Yield on cost — current dividend income divided by what you originally invested — is the number long-term dividend investors watch: it rises as payouts grow, even though the market yield stays roughly flat.

Common questions

What is DRIP?
A Dividend Reinvestment Plan automatically uses your dividends to buy more shares. Those shares then pay dividends of their own, compounding your share count over time. Toggle it off to take dividends as cash instead.
What is yield on cost?
Yield on cost is your current annual dividend income divided by what you originally paid. As a company raises its dividend (and DRIP grows your shares), your yield on cost climbs well above the current market yield.
Are dividends taxed?
Usually yes — qualified dividends are taxed at long-term capital-gains rates, ordinary dividends at your income rate. This tool projects pre-tax growth; taxes depend on your bracket and account type (a Roth IRA, for example, is tax-free).
What dividend growth rate is realistic?
Established dividend growers have historically raised payouts around 5–8% a year, though it varies by company and isn't guaranteed. Use a rate that matches the stocks you're modeling.

How we calculate this

Annual share-based model with dividends reinvested at the projected price. Pre-tax figures on constant assumptions — not financial advice.

Full methodology & sources →
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Projections assume constant yield, dividend growth, and appreciation; actual dividends can be cut and prices fall. For general information only — not investment advice.