Calculators

Dividend Calculator

Calculate dividend yield and income and project dividend reinvestment (DRIP) growth year by year.

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About this tool

A dividend calculator answers two questions: how much income a holding pays now, and how that income could grow. Enter the amount invested, the share price and the annual dividend per share, and the tool shows the dividend yield (dividend ÷ price) and the annual and monthly income. To project ahead, set the number of years, how often dividends are paid, an assumed yearly dividend growth rate and an assumed share price growth rate. With reinvestment (DRIP) switched on, each payout buys more shares at the share price at that time, so later payouts are larger; switch it off to see cash income only. The projection reports the holding value, the dividends paid in the final year, total dividends received and shares owned, plus a year-by-year table. Fractional shares are allowed, and taxes, fees and changes to the company's dividend policy are not modelled. Growth rates are assumptions you choose, not forecasts.

Why use it

  • Yield and income in one place: dividend yield, yearly income and monthly income from your holding.

  • DRIP on or off: compare reinvesting every payout with taking the cash.

  • Payout frequency matters: annual, semi-annual, quarterly and monthly payers are modelled payment by payment.

  • Year-by-year table of share price, shares, dividends and holding value.

  • Private: figures stay in your browser and are not stored.

How to use

  1. Enter the amount invested, the current share price and the annual dividend per share.
  2. Choose how often dividends are paid and how many years to project.
  3. Set your assumed dividend growth and share price growth per year.
  4. Tick or untick Reinvest dividends (DRIP), then compare the projection and the yearly table.

When it helps

  • Comparing the yield of two dividend stocks or funds before buying.
  • Estimating how much income a portfolio could generate in retirement.
  • Seeing how much a dividend reinvestment plan could add over 10 or 20 years.
  • Working out how many shares you need for a target monthly dividend.

Examples

Default projection

Input

10,000 invested, price 50, dividend 2 per year paid quarterly, 10 years, 5% dividend growth, 3% price growth, DRIP on

Expected result

Yield 4%; income now 400.00 a year; after 10 years 306.39 shares worth 20,588.37, 923.63 dividends in year 10, 6,305.95 total dividends

No growth, cash dividends

Input

Same holding, 0% growth, DRIP off

Expected result

400.00 a year; 4,000.00 total over 10 years; 200 shares

No growth, DRIP on

Input

Same holding, 0% growth, DRIP on

Expected result

297.77 shares worth 14,888.64; 4,888.64 total dividends

Tips

  • Set both growth rates to 0 to see the effect of reinvestment on its own.
  • A very high yield can signal a falling share price or a dividend at risk; check the payout history.
  • Use the year-by-year table to see when reinvested income passes a target.

Frequently Asked Questions

How is dividend yield calculated?
Dividend yield = annual dividend per share ÷ share price × 100. A stock priced at 50 that pays 2 a year yields 4 percent.
How do I calculate dividend income?
Divide the amount invested by the share price to get shares, then multiply by the annual dividend per share. 10,000 invested at 50 per share buys 200 shares; at 2 per share that is 400 a year, or about 33.33 a month.
What is DRIP?
A dividend reinvestment plan uses each dividend payment to buy more shares instead of paying cash. The new shares earn dividends too, so income compounds over time.
How does the calculator model growth?
The share price grows smoothly at your chosen yearly rate, applied at each payout. The dividend per share rises once a year by your dividend growth rate. When DRIP is on, each payout buys shares at the price at that moment.
Does it include taxes or fees?
No. Dividend taxes, withholding, brokerage fees and minimum share purchases are not included, so real results will be lower if those apply to you.
Are the results a forecast?
No. Dividends can be cut and prices can fall. The projection only shows what happens if your assumed rates hold. It is an educational estimate, not financial advice.
Why does more frequent payment change the result?
With DRIP on, quarterly or monthly dividends are reinvested sooner than annual ones, so they start earning dividends earlier and the total grows slightly faster.

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Glossary

Dividend yield
Annual dividends per share divided by the share price, as a percentage.
DRIP
Dividend reinvestment plan: dividends automatically buy additional shares.
Dividend growth rate
The yearly percentage increase in the dividend per share.
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