Dividend Calculator

Calculate dividend income with DRIP reinvestment, yield on cost tracking, dividend growth projections, and compound growth visualization. Free, fast, and private — runs entirely in your browser.

Initial Investment ($)

Monthly Contribution ($)

Dividend Yield (%)

0.5%15%

Dividend Growth Rate (%)

Stock Price Appreciation (%)

Years to Invest

Tax Rate on Dividends (%)

DRIP (Dividend Reinvestment)

Dividends are reinvested

20-Year Projection

Final Portfolio Value

$622,888

379.1% total return on investment

Total Invested

$130,000

Total Gain

$492,888

Cumulative Dividends

$258,229

Annual Dividend Income

$47,639.48

Year 20

Monthly Passive Income

$3,969.96

Year 20

Yield on Cost

36.6%

Started at 3.5%

DRIP Advantage

With DRIP enabled, your portfolio is worth $321,000 more than without reinvestment ($622,888 vs $301,888).

Year-by-Year Growth

Year	Contributions	Dividends	Reinvested	Portfolio Value	Yield on Cost
1	$6,000	$455	$387	$17,534	2.8%
2	$6,000	$755	$641	$25,868	3.4%
3	$6,000	$1,114	$947	$35,111	4.0%
4	$6,000	$1,544	$1,313	$45,394	4.5%
5	$6,000	$2,059	$1,750	$56,864	5.1%
... 12 more years ...
18	$6,000	$32,156	$27,332	$461,356	27.3%
19	$6,000	$39,113	$33,246	$535,645	31.5%
20	$6,000	$47,639	$40,494	$622,888	36.6%

Portfolio Growth Over Time

$17,534

$25,868

$35,111

$45,394

$56,864

$69,696

$84,096

$100,304

$118,604

Y10

$139,331

Y11

$162,884

Y12

$189,738

Y13

$220,457

Y14

$255,722

Y15

$296,349

Y16

$343,324

Y17

$397,841

Y18

$461,356

Y19

$535,645

Y20

$622,888

InvestedGrowth + Dividends

How Dividend Investing Works

Dividend Yield: The annual dividend payment as a percentage of the stock price. A 3.5% yield on a $100 stock pays $3.50/year per share.

DRIP: Dividend Reinvestment Plan automatically uses dividend payments to buy more shares, compounding your returns over time.

Dividend Growth Rate: Many quality companies increase their dividends annually. The S&P 500 dividend aristocrats have raised dividends for 25+ consecutive years.

Yield on Cost: Your current annual dividend divided by your total cost basis. This grows as dividends increase, even if the current yield stays flat.

Year N Value = (Previous Value + Contributions + DRIP Dividends)

× (1 + Price Appreciation Rate)

Save your results

Try Retirement Calculator Track Your BMI Calculate Daily Calories

Compare Financial Products

See personalized rates and offers from top providers.

Compare Now

Sponsored · We may earn a commission at no cost to you

How to Use Dividend Calculator

1Enter your investment amount and share price.
2Set the dividend yield and growth rate.
3Toggle DRIP on/off to compare strategies.
4View your projected income and portfolio growth.

Frequently Asked Questions

What is DRIP?▾

DRIP (Dividend Reinvestment Plan) automatically reinvests dividends to buy more shares, compounding your returns over time.

What is yield on cost?▾

Yield on cost measures your dividend yield based on your original purchase price, not the current market price. It shows how your effective yield grows over time.

Is this calculator free?▾

Yes, completely free with no sign-up required. All calculations run in your browser.

How accurate is this calculator?▾

Uses standard compound growth formulas. Actual returns depend on stock performance, dividend changes, and market conditions.

Get weekly tips for Dividend Calculator & more

No spam. Unsubscribe anytime.

About Dividend Calculator

Calculate dividend income with DRIP reinvestment, yield on cost tracking, dividend growth projections, and compound growth visualization. Free, fast, and private — runs entirely in your browser.

NexTool's Dividend Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.