Project your dividend income and see how reinvesting (DRIP) compares to taking dividends as cash over time. Change any input to recalculate instantly.
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| Year | Dividend income | Collected | Value (DRIP) | Value (cash) |
|---|---|---|---|---|
| 1 | $300.00 | $300 | $10,900 | $10,900 |
| 2 | $315.00 | $615 | $11,878 | $11,851 |
| 3 | $330.75 | $946 | $12,940 | $12,856 |
| 4 | $347.29 | $1,293 | $14,094 | $13,918 |
| 5 | $364.65 | $1,658 | $15,347 | $15,040 |
| 6 | $382.88 | $2,041 | $16,707 | $16,226 |
| 7 | $402.03 | $2,443 | $18,182 | $17,479 |
| 8 | $422.13 | $2,865 | $19,784 | $18,803 |
| 9 | $443.24 | $3,308 | $21,521 | $20,203 |
| 10 | $465.40 | $3,773 | $23,405 | $21,682 |
| 11 | $488.67 | $4,262 | $25,448 | $23,245 |
| 12 | $513.10 | $4,775 | $27,663 | $24,897 |
| 13 | $538.76 | $5,314 | $30,063 | $26,643 |
| 14 | $565.69 | $5,880 | $32,664 | $28,489 |
| 15 | $593.98 | $6,474 | $35,483 | $30,439 |
| 16 | $623.68 | $7,097 | $38,535 | $32,501 |
| 17 | $654.86 | $7,752 | $41,840 | $34,680 |
| 18 | $687.61 | $8,440 | $45,419 | $36,983 |
| 19 | $721.99 | $9,162 | $49,293 | $39,418 |
| 20 | $758.09 | $9,920 | $53,486 | $41,991 |
Estimate for planning only, not a forecast of any specific stock. It assumes steady dividend and price growth every year with no taxes or fees, which real holdings do not deliver. Yield and growth rates are your own inputs, not promised or historical figures.
DRIP is a dividend reinvestment plan: instead of taking each dividend as cash, you use it to buy more shares, which then pay their own dividends. Over time that compounds, so the reinvested path usually ends with more shares and a higher value than taking dividends as cash. This calculator shows both paths side by side so you can see the gap.
The tool starts from your investment amount and dividend yield to get the first year of income, then grows the dividend each year by the dividend growth rate you enter. If you reinvest, your share count also rises, so income grows from both a higher payout per share and more shares. The year-by-year table lists the income and value for each year.
Yield is the current annual dividend divided by the share price, so it sets your starting income. Dividend growth is how much the payout per share rises each year. A stock can have a modest yield but strong growth, or a high yield that barely grows. Both inputs matter, which is why they are separate fields here.
No. Yield, dividend growth, and price growth are your own assumptions, not promises, and real companies raise, freeze, or cut dividends and their share prices move both ways. Treat the result as a planning estimate under steady-growth assumptions, and use conservative inputs if you want a more cautious picture.