Dividend Reinvestment Calculator
How much income a dividend portfolio produces — and how much that changes when the payouts are reinvested.
Result
How much money you're putting in.
Whether payouts buy new shares.
Annual income
1.000,00 €
- Monthly average
- 83,33 €
- Current yield
- 4,00 %
- Yield on original costAssumption
- 22,08 %
- Income in the final yearAssumption
- 5.519 €
- Total dividendsAssumption
- 53.007 €
- Portfolio valueAssumption
- 125.167 €
Show all years
| Year | Shares | Income | Cumulative | Portfolio |
|---|---|---|---|---|
| 1 | 519 | 1.000 € | 1.000 € | 27.000 € |
| 2 | 539 | 1.090 € | 2.090 € | 29.170 € |
| 3 | 561 | 1.189 € | 3.280 € | 31.527 € |
| 4 | 583 | 1.298 € | 4.578 € | 34.085 € |
| 5 | 606 | 1.417 € | 5.994 € | 36.865 € |
| 6 | 630 | 1.547 € | 7.541 € | 39.887 € |
| 7 | 656 | 1.690 € | 9.231 € | 43.172 € |
| 8 | 683 | 1.847 € | 11.077 € | 46.746 € |
| 9 | 711 | 2.019 € | 13.096 € | 50.634 € |
| 10 | 741 | 2.208 € | 15.303 € | 54.867 € |
| 11 | 773 | 2.415 € | 17.719 € | 59.477 € |
| 12 | 806 | 2.643 € | 20.362 € | 64.499 € |
| 13 | 840 | 2.894 € | 23.256 € | 69.973 € |
| 14 | 877 | 3.170 € | 26.425 € | 75.941 € |
| 15 | 916 | 3.473 € | 29.898 € | 82.452 € |
| 16 | 956 | 3.807 € | 33.706 € | 89.557 € |
| 17 | 999 | 4.175 € | 37.881 € | 97.315 € |
| 18 | 1.044 | 4.580 € | 42.461 € | 105.788 € |
| 19 | 1.092 | 5.027 € | 47.488 € | 115.046 € |
| 20 | 1.142 | 5.519 € | 53.007 € | 125.167 € |
Annual income and the running total. Year 1–20. At the end: Annual income 5.519 €; Cumulative 53.007 €.
- Annual income
- Cumulative
How it's calculated
Two things grow at the same time, and usually we only see one of them: the dividend per share grows, and — if you reinvest the payouts — the number of shares grows too. Together they accelerate the growth of your income.
Yield on original cost is the figure that matters to an income investor. A stock bought today at a 4% yield can end up paying ten percent or more of your original purchase price after twenty years, even if its current yield stays at 4%.
The calculation assumes fractional shares and end-of-year purchases at that year's price. Buying at the start of the year would give each payout one extra year of growth it hasn't earned yet.
Example
€25,000 invested at a 4% yield produces €1,000 of income in the first year. With a dividend that grows 5% per year and payouts reinvested, after twenty years the annual income tops €4,000 — over 16% of the original amount.