Dividend Calculator — DRIP vs Cash, Year-by-Year Table

How to use

1. Enter initial investment, monthly contribution and dividend yield.
2. Choose DRIP or cash payouts and a horizon of 1–40 years.
3. Press Project for final value, total dividends and yield-on-cost.
4. Scroll the year-by-year table to watch compounding kick in.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Model a dividend portfolio the honest way. Start with an initial investment and monthly contributions, set a dividend yield, choose one to forty years, and pick DRIP (dividends reinvested, compounding annually) or cash payouts (dividends accumulate separately while the position grows only through your contributions). You get final portfolio value, total dividends collected and yield-on-cost at the end, plus a scrollable year-by-year table so you can see exactly when compounding starts to matter. The yield is assumed constant, which real markets never are — cuts, raises and price changes will move real results, so this is an educational estimate — consult a tax professional or advisor before acting on dividend projections. The model, the table and every dollar all compute in your browser; nothing is uploaded.

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