Dividend Calculator
This dividend calculator projects how a dividend-paying holding grows over time
This dividend calculator projects how a dividend-paying holding grows over time
How to use Dividend Calculator
- Enter your share price, shares owned, annual dividend per share, and payout frequency.
- Set assumed dividend growth, price growth, monthly contribution, years, and whether to reinvest dividends.
- Read your projected income, yield on cost, and portfolio value, then copy the year-by-year table.
About Dividend Calculator
This dividend calculator projects how a dividend-paying holding grows over time. Enter your share price, shares owned, annual dividend per share, and payout frequency, then set assumed annual dividend growth, share-price growth, a monthly contribution, and the number of years to project. It shows your starting yield, projected annual dividend income, total dividends paid, yield on cost, final share count, and portfolio value, plus a year-by-year table you can copy.
With reinvestment (DRIP) turned on, each dividend buys more shares at that year's price, so both your share count and income compound. Turn it off to model taking dividends as cash. Contributions are treated as monthly and buy shares at the current price. The math uses the constant growth rates you enter, applied per payout period, so the projection is a smooth estimate rather than a prediction of any real stock.
Everything runs privately in your browser — no numbers are uploaded and nothing is stored. Figures are before taxes and fees, and this is a planning tool, not investment advice. Real dividends can be cut, raised, or suspended, and prices move unpredictably, so treat the output as a what-if scenario.
Frequently asked questions
- How is the dividend income calculated?
- Each year the annual dividend per share is split across your chosen payout frequency and paid on the shares you hold that period. Dividend per share grows each year by the growth rate you set, and income equals dividend per share times shares owned.
- What does reinvesting dividends (DRIP) do here?
- With DRIP on, every dividend payment immediately buys more shares at that period's price, so your share count and income compound. With it off, dividends are treated as cash and your share count only grows from contributions.
- What is yield on cost?
- Yield on cost is your current annual dividend income divided by the total amount you have invested (your starting position plus contributions). It shows how much your original cost is yielding after years of dividend growth, which is usually higher than the market yield.
- Is this accurate for a real stock?
- It is a projection using the constant growth rates you enter, applied evenly across payout periods. Real dividends and prices vary and companies can cut payouts, so use it to compare scenarios, not to predict exact returns. It also excludes taxes and fees.
- Is my data private?
- Yes. The calculator runs entirely in your browser with no network calls, no sign-up, and no storage. Your numbers never leave your device.
- Can I export the year-by-year results?
- Yes. Click 'Copy year-by-year table' to copy a tab-separated table with shares, price, dividend per share, yearly dividends, portfolio value, and yield on cost, ready to paste into a spreadsheet.