See what your shares pay you each year, then what that income becomes when a DRIP reinvests every payout. Search any stock and see both.
What that same income becomes when every dividend buys more shares.
Search for a stock and enter your investment to see DRIP projections.
Two tools sit on one page: a dividend income calculator for what you earn now, and a DRIP projection for what that income becomes. Five steps, about a minute, no account needed.
Type a ticker or a company name into the search field, for example KO, JNJ or SHEL. Pick the result you want and the calculator loads that stock's current share price and annual dividend per share.
Open the Dividend income tab to see what a set number of shares pays you each year and each quarter. Open the Reinvest (DRIP) tab to see what the same holding becomes when every dividend buys more shares.
In the income tab, enter how many shares you own. In the DRIP tab, enter the amount of money you plan to invest. Then pick the currency you want the results shown in: EUR, USD, GBP, CAD or AUD.
Choose how many years to project, then set the dividend frequency to monthly, quarterly or annual. Frequency decides how often a dividend is turned back into shares, so it changes the final number.
The results show final position value, total dividends paid, the extra shares bought through reinvestment and the growth multiple. The chart plots value year by year, so you can see the point where compounding starts to matter.
Dividend yield is the annual dividend per share divided by the share price. It tells you what share of your capital comes back as cash each year. A €100 share paying €4 a year yields 4%. If the share price rises to €125 and the payment stays at €4, the yield drops to 3.2%. The company did nothing. The price did the work.
Annual dividend per share / share price x 100
Payout is a different number. A dividend payout calculator starts from cash per share, so 200 shares paying €2.00 each produce €400 a year, or €100 a quarter. Yield answers "what percentage", payout answers "how many euros". The table below starts from capital and shows the gross annual income three common yields produce.
| Capital invested | 2% yield | 4% yield | 6% yield |
|---|---|---|---|
| €10,000 | €200 | €400 | €600 |
| €25,000 | €500 | €1,000 | €1,500 |
| €50,000 | €1,000 | €2,000 | €3,000 |
| €100,000 | €2,000 | €4,000 | €6,000 |
Gross annual income before tax and broker fees. Real yields move with the share price, so treat these as a starting point, not a promise.
Monthly DRIP compounding supercharges the snowball effect. Instead of waiting for a quarterly payout, reinvesting dividends every month means your fresh shares start earning immediately — giving you 12 compounding events per year instead of 4. Select 'Monthly' in the frequency dropdown above to model this scenario.
The table below shows what a €10,000 investment grows to under full monthly reinvestment at different yields. The longer the horizon, the more dramatic the gap.
| Annual Yield | 10 Years | 20 Years | 30 Years |
|---|---|---|---|
| 2% | €12,212 | €14,913 | €18,212 |
| 4% | €14,908 | €22,226 | €33,135 |
| 6% | €18,194 | €33,102 | €60,226 |
Based on €10,000 initial investment with full monthly reinvestment. Illustrative only — does not account for taxes or price changes.
Every dividend you take as cash breaks the compounding chain. Every dividend you reinvest adds shares that earn their own dividends next cycle. The table below shows the real difference in final portfolio value for common scenarios, using quarterly reinvestment.
| Scenario | Cash Dividends | Dividends Reinvested | DRIP Advantage |
|---|---|---|---|
| €10k · 3% · 10 years | €13,000 | €13,483 | +€483 |
| €10k · 3% · 20 years | €16,000 | €18,180 | +€2,180 |
| €10k · 5% · 20 years | €20,000 | €27,015 | +€7,015 |
| €10k · 5% · 30 years | €25,000 | €44,402 | +€19,402 |
Based on quarterly reinvestment. Cash dividends scenario assumes no reinvestment. Illustrative only.
The snowball is a loop with three steps. Your shares pay a dividend. The dividend buys more shares. Those new shares pay their own dividend on the next payment date. No single turn of the loop is impressive, because each one adds a few percent at most. It gets big because it never stops.
The table below follows €10,000 at a 4% yield with quarterly reinvestment. In year one the dividends buy a handful of extra shares. By year twenty the share count has more than doubled, so each payment is more than twice the size of the first one. Horizon does more work here than yield.
| Year | Shares owned | Dividends that year | Position value |
|---|---|---|---|
| 0 | 100.0 | €400 | €10,000 |
| 5 | 122.0 | €488 | €12,202 |
| 10 | 148.9 | €596 | €14,889 |
| 20 | 221.7 | €887 | €22,167 |
| 30 | 330.0 | €1,320 | €33,004 |
€10,000 at a 4% yield with quarterly reinvestment and a flat share price. Illustrative only. Taxes, fees and price changes are not included.
Index funds pay dividends too, and the yield you start from depends on which index you buy. The three below cover most European portfolios. Use the yield printed on your own fund's factsheet, and check the share class: an accumulating fund reinvests internally and never pays you cash, so there is nothing for you to reinvest by hand.
The S&P 500 yields roughly 1.2% to 1.4%. That is low because US index prices have run far ahead of payouts, not because the payouts shrank. A low yield still compounds: the reinvested dividend buys shares that keep taking part in the price growth. Enter about 1.3% to model a broad US index.
MSCI World yields roughly 1.7% to 2.0%. It holds the same large US companies plus European and Japanese businesses that pay out more of their earnings, so the blended yield sits above the S&P 500. Use around 1.8% for a global tracker. This is the closest match for most European core holdings.
The FTSE 100 yields roughly 3.5% to 4.0%, the highest of the three, because it is heavy in energy, banks, miners and tobacco. The higher starting yield compounds faster each year, but UK index prices have grown more slowly than US ones. Model it at about 3.7% and compare the final value against a lower-yield tracker.
Country changes three things: the withholding tax taken from each dividend before it reaches you, whether your broker will reinvest it automatically, and whether you hold the position inside a tax wrapper. The compounding maths is the same everywhere. The yield you should type in is not.
UK investors select GBP to see results in pounds. Use it as a stock dividend calculator for UK-listed shares by entering the yield from the company's own factsheet. Inside a Stocks and Shares ISA, reinvested dividends carry no UK dividend tax, so the whole payment goes back into shares. Outside an ISA, the dividend allowance is £500 and anything above it is taxed at 8.75%, 33.75% or 39.35% depending on your income tax band.
Canadian investors select CAD to model TSX-listed dividend stocks. Many Canadian brokers run a synthetic DRIP that buys whole shares only, so a small position can leave cash sitting idle between payments. US dividends are withheld at 15% under the Canada-US treaty in a non-registered account, and at 0% inside an RRSP. Enter the after-tax yield for a realistic projection.
Australian investors select AUD to model ASX-listed shares. Many ASX companies pay fully franked dividends, and the franking credits attached offset tax you owe elsewhere, which lifts the effective yield above the headline figure. Several ASX listings also run a real DRIP, sometimes at a small discount to market price. Superannuation in accumulation phase taxes dividends at 15%, which suits a long reinvestment horizon.
| Symbol | Company | Sector | Price | Annual Div/Share | Yield |
|---|---|---|---|---|---|
| AAPL | Apple Inc. | Technology | $180.25 | $0.96 | 0.53% |
| MSFT | Microsoft Corporation | Technology | $375.50 | $3.00 | 0.80% |
| JNJ | Johnson & Johnson | Healthcare | $158.90 | $4.76 | 3.00% |
| KO | Coca-Cola Company | Consumer Staples | $61.20 | $1.94 | 3.17% |
| PG | Procter & Gamble | Consumer Staples | $152.30 | $3.76 | 2.47% |
| XOM | ExxonMobil Corporation | Energy | $104.50 | $3.80 | 3.64% |
| CVX | Chevron Corporation | Energy | $152.80 | $6.52 | 4.27% |
| PFE | Pfizer Inc. | Healthcare | $28.50 | $1.64 | 5.75% |
| MRK | Merck & Co. | Healthcare | $103.40 | $2.92 | 2.82% |
| ABBV | AbbVie Inc. | Healthcare | $165.30 | $6.20 | 3.75% |
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