For informational purposes only. This tool provides estimates based on your inputs and may differ from actual outcomes. It does not constitute financial advice. Please consult a qualified professional before making financial decisions. Terms
For informational purposes only. This tool provides estimates based on your inputs and may differ from actual outcomes. It does not constitute financial advice. Please consult a qualified professional before making financial decisions. Terms
Project your passive income growth with DRIP reinvestment and dividend growth modeling.
Year 1 Annual Income
Final Year Income
After-Tax Income
$4,066/mo
Total Dividends
Portfolio Value
Yield on Cost
Dividend income as % of what you originally paid
Portfolio value with and without dividend reinvestment
Year-by-year dividend income growing with dividend increases
How your effective yield grows over time relative to your original cost basis
Dividend income as % of what you originally paid
Compare two strategies: start with higher income now, or grow into higher income later?
Growth Overtakes
Year 15
When your monthly dividend income reaches key thresholds
| Monthly Income | Annual Equivalent | Reached In | Status |
|---|---|---|---|
| $100/mo | $1,200/yr | Year 4 | Achieved |
| $500/mo | $6,000/yr | Year 10 | Achieved |
| $1k/mo | $12,000/yr | Year 13 | Achieved |
| $2k/mo | $24,000/yr | Year 16 | Achieved |
| $5k/mo | $60,000/yr | N/A | Pending |
Dividend Income Milestones
Insights
Your portfolio yields 9.6%. High yields can signal risk. Consider diversification.
Your yield on cost reaches 51.8% thanks to dividend growth. This means your original investment produces much more income over time.
Your inputs carry over automatically. Just pick a tool.
Free dividend calculator with DRIP projection, yield on cost tracking, dividend growth modeling, and income milestone chart. See how dividends compound over time.
DRIP (Dividend Reinvestment Plan) automatically reinvests dividends to buy more shares. This creates compounding where dividends earn more dividends. The calculator simulates DRIP versus cash dividends over time.
S&P 500 average is about 1.3%. Established dividend companies typically yield 2-4%. Yields above 5-6% may signal risk. The calculator models any yield and shows how dividend growth compounds.
Your annual dividend relative to your original purchase price. A 3% yield with 7% annual growth reaches about 5.9% yield on cost after 10 years. This shows the real power of dividend growth investing.
The calculator shows how many years of investing are needed for your target monthly income. Reaching $2,000/month from a 3% portfolio requires about $800,000 in assets.
Over 20 years with a 3% yield and 5% growth, DRIP can result in 30-50% more total return versus taking cash. The longer your horizon, the bigger the gap.
Qualified dividends are taxed at 0%, 15%, or 20% depending on income. Most US stock dividends are qualified if held 60+ days. PRO users can model after-tax dividend income.
Dividend stocks provide income and stability. Growth stocks prioritize capital appreciation. Total returns are historically similar, but dividends offer more predictable income.
