Investing calculator
Editor
Set the starting position, dividend yield, contribution plan, and growth assumptions in one clean editor. The DRIP comparison and results dashboard update instantly as you adjust the scenario.
The default view keeps the core investment, dividend, and contribution assumptions visible up front, with the longer-term growth assumptions tucked into advanced options.
Investment starting point
Begin with either a dollar amount or an existing share position, then set the share price for the projection.
At $50.00 per share, the starting amount buys about 200 shares.
Dividend assumptions
Set the yield, payout schedule, and whether dividend cash should be reinvested into more shares.
Contributions and timeline
Add new money on a recurring schedule and choose how long the projection should run.
This dividend reinvestment calculator uses hypothetical yield, growth, and contribution assumptions. Real dividends, share prices, and reinvestment mechanics can change over time.
Results
Ending portfolio value
$155,919.31
Ending annual dividend income
$5,140.88
Ending share count
1,423.1908
Total contributions
$58,000.00
Total dividends received
$46,294.90
Total dividends reinvested
$46,294.90
Initial investment
$10,000.00
Annual dividend yield
4%
Years invested
20
Recurring contribution
$200.00
Dividend reinvestment
On
Ending share price
$109.56
The no-DRIP scenario keeps dividends as cash instead of converting them into more shares.
Starting investment
$10,000.00
Recurring contributions
$48,000.00
Price appreciation effect
$34,894.49
Estimated reinvestment effect
$61,239.73
Cash dividends paid out
$33,223.13
| Year | Ending value | Share count | Annual dividends | Cumulative contributions |
|---|---|---|---|---|
| 1 | $13,317.15 | 256.099 | $527.56 | $12,400.00 |
| 2 | $16,900.34 | 312.5063 | $663.08 | $14,800.00 |
| 3 | $20,768.53 | 369.2629 | $807.01 | $17,200.00 |
| 4 | $24,941.92 | 426.4092 | $959.85 | $19,600.00 |
| 5 | $29,442.04 | 483.9843 | $1,122.14 | $22,000.00 |
| 6 | $34,291.83 | 542.0267 | $1,294.42 | $24,400.00 |
| 7 | $39,515.72 | 600.574 | $1,477.26 | $26,800.00 |
| 8 | $45,139.71 | 659.6629 | $1,671.28 | $29,200.00 |
| 9 | $51,191.49 | 719.3292 | $1,877.12 | $31,600.00 |
| 10 | $57,700.51 | 779.608 | $2,095.46 | $34,000.00 |
| 11 | $64,698.13 | 840.5334 | $2,326.99 | $36,400.00 |
| 12 | $72,217.66 | 902.1388 | $2,572.47 | $38,800.00 |
| 13 | $80,294.56 | 964.4566 | $2,832.67 | $41,200.00 |
| 14 | $88,966.50 | 1,027.5187 | $3,108.43 | $43,600.00 |
| 15 | $98,273.51 | 1,091.3558 | $3,400.59 | $46,000.00 |
| 16 | $108,258.13 | 1,155.998 | $3,710.07 | $48,400.00 |
| 17 | $118,965.54 | 1,221.4746 | $4,037.82 | $50,800.00 |
| 18 | $130,443.73 | 1,287.8139 | $4,384.83 | $53,200.00 |
| 19 | $142,743.64 | 1,355.0437 | $4,752.15 | $55,600.00 |
| 20 | $155,919.31 | 1,423.1908 | $5,140.88 | $58,000.00 |
How it works
The projection uses a monthly simulation. It starts with your initial dollars or shares, applies recurring contributions on the schedule you choose, estimates dividend payments on the payout schedule you select, and then updates the share price and dividend stream using the annual growth assumptions you enter.
Dividend reinvestment, often called DRIP, uses dividend cash to buy additional shares instead of being paid out. Those extra shares can then produce their own future dividends, which is why DRIP can materially change long-term results.
Each reinvested dividend buys a little more of the investment at the modeled share price. Over longer horizons, those additional shares can compound the dividend stream and raise both the share count and the ending portfolio value.
Reinvesting dividends can increase the ending value and annual dividend income because cash payouts stay invested. Taking dividends in cash can make more sense when current income is the goal, but it usually leaves fewer shares compounding inside the position.
Dividend yield is the starting payout rate relative to the share price. Dividend growth is the rate at which that payout stream changes over time. In this calculator, yield sets the initial dividend level and the dividend-growth assumption then changes that payout stream over the years.
Share-price appreciation changes the value of the shares already owned and the price at which new shares are purchased. Higher price growth can lift ending portfolio value, while lower or negative price growth can reduce it even if dividends continue to be paid.
A DRIP is an arrangement where dividend cash is used to buy more shares instead of being paid out to the investor. This calculator models that idea using fractional shares and steady assumptions.
Reinvesting dividends can increase the share count over time. More shares can then generate more future dividends, which may lift the ending value and future income run rate under the same yield and growth assumptions.
Yield describes the starting annual payout relative to the share price. Dividend growth describes how that payout stream changes over time. A position can start with a modest yield but still grow future income if dividends rise each year.
That depends on your goal. Reinvesting may help maximize long-term compounding, while taking cash may fit investors who want current income. This tool is designed to help compare those two paths, not recommend one universally.
Yes. It uses steady assumptions for dividend yield, dividend growth, share-price appreciation, and recurring contributions so you can compare planning scenarios in a simple and consistent way.
No. Taxes, fees, trading rules, and issuer-specific dividend policies are intentionally left out of this version so the calculator stays focused on clear hypothetical DRIP planning.
This dividend reinvestment calculator provides hypothetical estimates only. Actual dividends, share prices, returns, taxes, fees, trading rules, and company dividend policies can change over time. Use the tool for planning and education, not as a prediction or financial advice.
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