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Dividend Reinvestment Calculator

Choose whether modeled cash dividends buy additional shares or remain in cash. Share-price growth and dividend yield are separate inputs, so the same dividend is not counted again as price appreciation.

Your assumptions

Enter your numbers

Change the example values to model your own scenario. Calculations run in this browser.

Scenario estimate

Results

Model portfolio value and dividend income with dividends reinvested or held as cash, using your own growth assumptions.

Estimated total value$45,476.07
Annual dividend income run rate$1,663.05
Total contributions$29,000.00
Reinvested dividends in comparison$7,619.85

Share-price growth and dividend yield are separate assumptions. Cash dividends earn no interest in the comparison.

Value with and without reinvestment

Each point uses the inputs above. Read the labeled units and series together; the table below gives the exact values.

  • Selected plan
  • Dividends held as cash
Value with and without reinvestmentUSD$0$11k$23k$34k$45k0 · Selected plan: $5,000.001 · Selected plan: $7,835.342 · Selected plan: $10,879.183 · Selected plan: $14,150.494 · Selected plan: $17,670.155 · Selected plan: $21,461.196 · Selected plan: $25,549.037 · Selected plan: $29,961.738 · Selected plan: $34,730.319 · Selected plan: $39,889.0910 · Selected plan: $45,476.070 · Dividends held as cash: $5,000.001 · Dividends held as cash: $7,829.782 · Dividends held as cash: $10,851.403 · Dividends held as cash: $14,075.824 · Dividends held as cash: $17,514.615 · Dividends held as cash: $21,179.976 · Dividends held as cash: $25,084.807 · Dividends held as cash: $29,242.708 · Dividends held as cash: $33,668.039 · Dividends held as cash: $38,375.9610 · Dividends held as cash: $43,382.490246810Year

Tab through points for exact values, or open the data table. The chart resizes to fit the available width.

Open data table (11 points)
Value with and without reinvestment · USD by Year
YearSelected planDividends held as cash
0$5,000.00$5,000.00
1$7,835.34$7,829.78
2$10,879.18$10,851.40
3$14,150.49$14,075.82
4$17,670.15$17,514.61
5$21,461.19$21,179.97
6$25,549.03$25,084.80
7$29,961.73$29,242.70
8$34,730.31$33,668.03
9$39,889.09$38,375.96
10$45,476.07$43,382.49
View 11 rows of calculator details

Values use the assumptions entered above.

Dividend scenario by year
YearSelected plan valueDividends held as cashContributionsAnnual income
0$5,000.00$5,000.00$5,000.00$0.00
1$7,835.34$7,829.78$7,400.00$239.76
2$10,879.18$10,851.40$9,800.00$339.56
3$14,150.49$14,075.82$12,200.00$450.50
4$17,670.15$17,514.61$14,600.00$573.80
5$21,461.19$21,179.97$17,000.00$710.85
6$25,549.03$25,084.80$19,400.00$863.17
7$29,961.73$29,242.70$21,800.00$1,032.50
8$34,730.31$33,668.03$24,200.00$1,220.76
9$39,889.09$38,375.96$26,600.00$1,430.13
10$45,476.07$43,382.49$29,000.00$1,663.05

How to use this calculator

Choose whether modeled cash dividends buy additional shares or remain in cash. Share-price growth and dividend yield are separate inputs, so the same dividend is not counted again as price appreciation.

How the calculation works

Each month, the model estimates a cash dividend from the beginning share value and the current dividend-yield assumption. The share price grows independently. Reinvested dividends buy units at the month-end modeled price; otherwise, they accumulate as cash. Monthly contributions buy units at month end.

Worked example

A $10,000 starting portfolio at a 3% initial yield produces $300 of first-year income before any yield growth, price growth, reinvestment, or additional contributions are considered.

Assumptions and limitations

Yield, dividend growth, and price growth stay at the assumptions entered. The model excludes tax, distribution timing details, fund return of capital, market variability, and cash interest when dividends are not reinvested.

Official sources and further reading

Frequently asked questions

Does dividend yield get added to share-price growth?

It is modeled as a separate dividend cash flow. The price-growth assumption only changes the share price, preventing the entered yield from being added twice.

Are dividends guaranteed?

No. A company or fund can change or stop a distribution, and market prices can fall.

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Educational scenario only. This calculator does not provide individualized investment, tax, or legal advice. Confirm transaction records, tax treatment, and investment terms with the relevant official documents or qualified professionals.