Dividend investing is one of the most reliable paths to passive income. But understanding how your dividends will compound over 10, 20, or 30 years requires more than back-of-envelope maths.
This calculator models your dividend portfolio growth with adjustable yield, dividend growth rate, tax rate, and reinvestment options. See exactly how much income you can expect in year one, and how compounding transforms that over time.
Whether you're building a dividend portfolio from scratch or projecting income from existing holdings, use this tool to set realistic expectations and compare reinvestment strategies.
Inputs
Results
Annual Income (Year 1)
$400
Monthly Income (Year 1)
$33
Total Dividends (10yr)
$6,334
Final Portfolio Value
$16,334
Yield on Cost (Year 10)
9.54%
The effective yield based on your original investment, after dividend growth
Year-by-Year Breakdown
| Year | Starting Value | Dividend Income | Ending Value | Yield on Cost |
|---|---|---|---|---|
| 1 | $10,000 | $400 | $10,400 | 4.00% |
| 2 | $10,400 | $437 | $10,837 | 4.37% |
| 3 | $10,837 | $478 | $11,315 | 4.78% |
| 4 | $11,315 | $524 | $11,839 | 5.24% |
| 5 | $11,839 | $576 | $12,414 | 5.76% |
| 6 | $12,414 | $634 | $13,048 | 6.34% |
| 7 | $13,048 | $699 | $13,747 | 6.99% |
| 8 | $13,747 | $774 | $14,521 | 7.74% |
| 9 | $14,521 | $858 | $15,379 | 8.58% |
| 10 | $15,379 | $954 | $16,334 | 9.54% |
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