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Dividend Calculator

Easy Dividend Forecasting

Model DRIP compounding across 1–30 years, factor in tax and inflation, and see your projected annual income and Yield on Cost year by year. No sign-up required.

Inputs
$
%
$
%
%
%
Total Value
$21,510
Annual Div.
$685
Monthly Div.
$57
Yield on Cost
5.27%
Value composition
Principal
$1,000
4.6%
Contributions
$12,000
55.8%
Growth
$6,076
28.2%
Dividends
$2,434
11.3%
Annual dividend income by year
Y1Y2Y3Y4Y5Y6Y7Y8Y9Y10$0.0k$0.2k$0.4k$0.6k$0.8k
The Snowball Effect
DRIP vs. taking dividends as cash · gap after year 10: $2,963
  • Without DRIP
  • With DRIP
Y1Y2Y3Y4Y5Y6Y7Y8Y9Y10$0k$6k$11k$17k$22k
Ready to backtest with real 30-year data?
This calculator uses assumed rates. The DPP builder runs your portfolio against actual historical prices and dividends — with an AI explanation of why the numbers look the way they do.

Browse by investment strategy

Click any ticker to pre-fill the calculator with a recent price, yield, and dividend growth rate.

👑
Dividend Kings
50+ consecutive years of uninterrupted dividend growth.
💻
AI & Tech Yield
Sector leaders with rising dividend payouts alongside long-term growth.
📈
High-Yield Income ETFs
Instant diversification — covered calls to dividend growth strategies.
🏢
Monthly Payer REITs
Real estate cash flow delivered monthly. Maximum DRIP compounding frequency.
⚡
Energy & Infrastructure
Hard-asset yields backed by pipelines, utilities, and energy majors.
🔄
Blue Chip Recovery
High-yield mega-caps at compressed valuations — outsized current income.

What the calculator actually models

Generic tools multiply shares by yield. DPP models the full compounding cycle.

DRIP reinvestment model
Compare portfolio values with DRIP enabled and disabled on the same chart across 1, 5, 10, or 30-year horizons.
Dividend tax rate (0–40%)
Set your effective dividend tax rate from 0% (tax-advantaged accounts) to 40%. See true after-tax compounding projections.
Snowball comparison chart
The DRIP vs no-DRIP chart maps portfolio value divergence — the gap widens dramatically after year 10.
Yield on Cost tracking
Watch your Yield on Cost climb as dividend growth compounds — the single number that separates income compounders from yield chasers.

DPP calculator vs. generic tools

Not all dividend calculators are created equal.

FeatureDPPFree online tools
DRIP reinvestment at projected price
Historical dividend CAGR per asset
Adjustable dividend tax rate (0–40%)
Inflation-adjusted (real return) view
Full 30-year DRIP vs. no-DRIP chart
Downloadable per-year CSV
Full portfolio tracking + brokerage sync (SnapTrade)
AI explanation of backtest results

Dividend investing concepts explained

Key ideas to understand before running long-term DRIP projections.

Concept
Understanding Yield on Cost
Your initial yield is your entry point. Yield on Cost is what you earn on your original capital after years of dividend growth. A 3% entry into KO in 2005 yields over 15% on cost today.
Risk
The danger of yield traps
A dividend cut from 8% to 4% destroys your capital twice — income drops and the stock price collapses. Watch for payout ratios above 80% or rising debt. A sustainable 3% beats a fragile 9%.
Strategy
Dividend tax & compounding
What you pay in dividend taxes reduces the income you reinvest. Compare a 0% rate in a tax-advantaged account vs. 15–30% in a taxable one — the drag compounds over 20+ years.

Frequently asked questions

About the app
Dividend Portfolio Planner

What is Dividend Portfolio Planner?

Dividend Portfolio Planner (DPP) is a dividend research, portfolio modeling and backtesting application that helps investors research stocks and ETFs, create hypothetical portfolios, estimate dividend income, backtest investment strategies and compare income with changes in portfolio value. Unlike traditional dividend trackers that primarily monitor investments an investor already owns, DPP is designed not only to monitor but also to help investors research and model potential portfolio strategies before investing.

Ask DPP · Your personal AI AgentGrounded in your real data · Not investment advice
Hi! I'm **Ask DPP — your personal AI Agent**. I can look up your real portfolio value, dividends received, run backtests on your saved scenarios, and pull live quotes. Try "what's my portfolio worth?" or "how much did I earn YTD?"
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