Plan passive income with clear dividend projections and taxes. Track growth, reinvestment, and payout timing. See how consistent investing can expand income over time.
| Scenario | Initial Investment | Share Price | Annual Dividend/Share | Frequency | Monthly Contribution | Dividend Growth | Tax Rate | Years | DRIP |
|---|---|---|---|---|---|---|---|---|---|
| Income Starter | $10,000 | $50.00 | $2.00 | Quarterly | $250 | 5% | 15% | 10 | Yes |
| Cash Payout Focus | $25,000 | $40.00 | $2.40 | Monthly | $0 | 3% | 10% | 8 | No |
| Growth and DRIP | $15,000 | $65.00 | $1.95 | Quarterly | $400 | 7% | 12% | 15 | Yes |
Starting Shares = Initial Investment ÷ Share Price
Contribution Shares = (Monthly Contribution × 12) ÷ Start-Year Share Price
Average Income Shares = Opening Shares + 0.5 × Contribution SharesGross Dividend = Average Income Shares × Annual Dividend per Share
Tax = Gross Dividend × Tax RateNet Dividend = Gross Dividend − Tax
Reinvested Shares = Net Dividend ÷ Start-Year Share PriceClosing Shares = Opening Shares + Contribution Shares + Reinvested SharesEnding Portfolio Value = Closing Shares × End-Year Share Price
Yield on Cost = Gross Dividend ÷ Total Invested Capital × 100
Enter your starting capital, current share price, and annual dividend per share. Choose the payout frequency that matches the stock or fund.
Add a monthly contribution if you plan to keep investing. Then set the number of years for the projection period.
Use dividend growth and share price growth to model future changes. Add a tax rate to estimate after-tax income, and add inflation to view purchasing-power-adjusted income.
Turn DRIP on if you want dividends reinvested into more shares. Keep DRIP off if you want dividends treated as cash income.
Press the calculate button. The result block will appear above the form and below the header, including summary cards, a projection chart, and a yearly table.
It estimates gross dividends, after-tax dividends, payout amounts, ending shares, and projected portfolio value over time using growth, contribution, and reinvestment assumptions.
It is the total dividend a single share pays over one year. Quarterly or monthly payments are combined into one annual amount for the projection.
Yield on cost compares annual dividend income with the total amount you invested. It helps show how income efficiency changes as dividends grow.
The model assumes contributions are spread across the year. Because those new shares were not owned for the entire year, only half are counted for current-year dividend income.
With DRIP on, after-tax dividends buy more shares. That increases future share count, future dividends, and potential portfolio value if assumptions remain favorable.
Yes, you can use the tax field as a blended rate. It can represent dividend tax, withholding tax, or any combined reduction to cash income.
Real dividends can be raised, cut, suspended, or taxed differently. Share prices, payment timing, reinvestment prices, and contribution schedules also change actual outcomes.
Yes. Choose the payment frequency that matches the security. The calculator then estimates payout size per payment period and annual totals.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.