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Dividend Reinvestment (DRIP) Calculator

Easily estimate how your dividend investments could grow over time with regular contributions and automatic dividend reinvestments (DRIP).
This calculator models real-world investing behavior, with gradual monthly investing and dividends reinvested as they are paid, to give you a more realistic projection of your portfolio’s future value.

Initial Investment: The lump sum you’re investing on day 1. Share Price: The current market price of one share. Dividend Amount (per payout): Enter the dividend paid per share each payout (e.g., quarterly for many ETFs). Annual yield is computed from this and the selected frequency. Dividend Frequency: How often you receive dividends (e.g. quarterly). Dividend Growth Rate: The yearly increase in dividend payouts (as a percentage). Share Price Growth: Expected annual increase in share price over time. Extra Investment: The amount you invest regularly (e.g. each month). Extra Invest Frequency: How often your extra investment is made (e.g. monthly). Length of Investment: How long you plan to keep investing and compounding.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

Year	Start Balance	Start Shares	Share Price	Dividend / Share	Dividend Yield	Yield on Cost	Annual Dividend	Total Dividends	End Shares	End Balance
1	$10,000	200	$50.00	$1.02	8.16%	8.16%	$904	$904	242	$12,104
2	$12,709	242	$52.50	$1.07	8.16%	8.57%	$1,132	$2,035	286	$15,041
3	$15,793	286	$55.13	$1.12	8.16%	9.00%	$1,391	$3,427	333	$18,384
4	$19,303	333	$57.88	$1.18	8.16%	9.45%	$1,686	$5,113	383	$22,189
5	$23,299	383	$60.78	$1.24	8.16%	9.92%	$2,023	$7,136	436	$26,522
6	$27,848	436	$63.81	$1.30	8.16%	10.41%	$2,405	$9,541	493	$31,453
7	$33,026	493	$67.00	$1.37	8.16%	10.94%	$2,841	$12,382	553	$37,066
8	$38,920	553	$70.36	$1.44	8.16%	11.48%	$3,337	$15,719	618	$43,457
9	$45,629	618	$73.87	$1.51	8.16%	12.06%	$3,901	$19,620	687	$50,731
10	$53,267	687	$77.57	$1.58	8.16%	12.66%	$4,544	$24,164	761	$59,011

How Our DRIP Calculator Works

Here’s how our DRIP calculator works, what you can expect, and how it is different from other drip investing calculators online.

Realistic Monthly Investing

In this calculator, extra investments (like $100 monthly) are made throughout the year, not all at once.
This means that by using our monthly drip calculator, your money is gradually added into the market month by month, not invested upfront on Day 1.

✅ This models how most real-world investors contribute regularly from their income.

Reinvesting Dividends Throughout the Year

Dividends are paid and reinvested during the year, not just at the end.
Whenever a dividend payout occurs (quarterly, monthly, etc.), it is automatically used to buy more shares at that moment.

✅ This creates small “compounding boosts” throughout the year, a more accurate reflection of DRIP investing.

How Are We Different?

Compared to calculators that assume all investments happen on Day 1, our model will often show slightly lower final balances.
That’s because in real life, later contributions and reinvestments have less time to grow.

✅ Our approach gives you a more realistic expectation of how your dividend portfolio will actually perform over time.

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