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.
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 | $1.06 | 8.08% | 8.49% | $1,121 | $2,024 | 286 | $15,030 |
| 3 | $15,781 | 286 | $55.13 | $1.10 | 8.01% | 8.83% | $1,363 | $3,387 | 333 | $18,344 |
| 4 | $19,261 | 333 | $57.88 | $1.15 | 7.93% | 9.18% | $1,634 | $5,021 | 382 | $22,095 |
| 5 | $23,200 | 382 | $60.78 | $1.19 | 7.85% | 9.55% | $1,936 | $6,958 | 433 | $26,336 |
| 6 | $27,653 | 433 | $63.81 | $1.24 | 7.78% | 9.93% | $2,274 | $9,232 | 488 | $31,127 |
| 7 | $32,684 | 488 | $67.00 | $1.29 | 7.70% | 10.33% | $2,651 | $11,883 | 545 | $36,534 |
| 8 | $38,361 | 545 | $70.36 | $1.34 | 7.63% | 10.74% | $3,071 | $14,953 | 606 | $42,632 |
| 9 | $44,763 | 606 | $73.87 | $1.40 | 7.56% | 11.17% | $3,538 | $18,492 | 670 | $49,502 |
| 10 | $51,977 | 670 | $77.57 | $1.45 | 7.49% | 11.61% | $4,059 | $22,551 | 738 | $57,236 |
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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