Dividend planning toolkit
Dividend Reinvestment Calculator
Model how portfolio income can scale when dividends are reinvested and fresh capital is added each year.
On this page
Dividend Reinvestment Projection
Update the assumptions below to model a realistic dividend-income path.
What this calculator helps you estimate
Useful for accumulation-stage investors building future passive income.
Shows how recurring contributions can matter as much as headline yield when compounding over long periods.
How to interpret the result
Treat the output as a planning range, not a guarantee. Dividend policy, taxes, inflation, and market valuation can all change faster than a spreadsheet implies.
| Planning question | Next step |
|---|---|
| How much income does this portfolio produce now? | Use the dividend income calculator and compare monthly dividends with monthly expenses. |
| What happens if dividends keep growing? | Use the yield on cost or reinvestment calculator to test growth and compounding assumptions. |
| How much capital is still missing? | Use the retirement income gap calculator to turn a shortfall into a portfolio target. |
Frequently asked questions
Does this assume stock prices stay flat?
This calculator isolates income compounding using yield and dividend growth assumptions. It is not a full market return model.
Should I always reinvest dividends?
Many accumulation-stage investors do, but the right choice depends on taxes, valuation, and whether you need current income.
Why include annual contributions separately?
It lets you distinguish between compounding from the portfolio itself and growth driven by new savings.