Dividend Income Calculator
Project the income a dividend portfolio could pay over time, with growth and reinvestment.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Project the income stream
Your projection
$15,176 a year in 15 years
Income today
$3,000
Monthly income then
$1,265
Portfolio then
$438,233
Dividends received along the way
$111,546
A dividend is part of the total return, not extra money on top of it: the share price drops by the payout. Qualified dividends are taxed at 0%, 15% or 20% outside retirement accounts.
About this tool
Method, assumptions, practical next steps, and limits.
Income from what you own
Dividend income can be part of a retirement plan, but a dividend is part of total return rather than extra money on top of it.
How the calculation works
Each year, income is portfolio × yield. The portfolio grows by price growth, contributions and reinvested dividends; the dividend per share grows by the dividend growth rate.
A $100,000 portfolio yielding 3%, with 5% dividend growth, 4% price growth and $500 a month added and reinvested, grows to about $438,000 in 15 years and pays about $15,176 a year, roughly $1,265 a month.
What to keep in mind
When a company pays a dividend, its share price falls by about the same amount. A high yield can signal a dividend at risk of being cut. Outside retirement accounts, qualified dividends are taxed at 0%, 15% or 20% depending on income; ordinary dividends are taxed as income.
