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Dividend Calculator

Project your dividend income year by year — with reinvestment (DRIP), dividend growth, and share-price appreciation. See how a snowball of reinvested dividends compounds into future passive income and a rising yield on cost.

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Frequently asked questions

How does a dividend reinvestment (DRIP) calculator work?

A DRIP calculator reinvests each dividend payment to buy more shares, which then pay their own dividends. Over time this compounding grows both your share count and your annual income. Toggle reinvestment off to model taking dividends as cash instead.

What is yield on cost?

Yield on cost is your current annual dividend income divided by what you originally paid, expressed as a percentage. As a company raises its dividend, your yield on cost rises even though the stated yield on the current price stays roughly flat.

How do I estimate monthly dividend income?

Take the projected annual dividend income from the calculator and divide by 12. Many funds pay quarterly, so a monthly figure is an average — actual payments may arrive a few times per year.

Does this account for dividend growth and share-price appreciation?

Yes. You can set an annual dividend growth rate and a share-price growth rate. The model grows the dividend per share and the price independently each year, so a dividend rising faster than the price lifts your effective yield over time.