Dividend Income Projector

Project future dividend income from your portfolio, with reinvestment and annual dividend growth.

Portfolio Value ($)

Monthly Contribution ($)

Current Dividend Yield 2.5%

Annual Dividend Growth Rate 6.0%

Annual Price Appreciation 5.0%

Time Horizon 20 years

Reinvest dividends (DRIP) — compound back into more shares

Annual Dividend Income — Year 20

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Portfolio Value at End

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with reinvestment + price growth

Cumulative Dividends Paid

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total over your horizon

Yield on Cost — Final Year

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dividend income as % of your original cost basis

Annual Dividend Income Over Time

Yield on cost is where dividend growth investing earns its keep. A stock with a modest 2.5% starting yield can generate 15–20% yield on original cost after 20–30 years of dividend hikes. That's the flywheel that funds retirement from dividends alone.

Dividend Income Projector

The Dividend Income Projector models the long-term growth of dividend income from your portfolio, capturing the three dynamics that make dividend growth investing compound so powerfully: reinvestment, annual dividend hikes, and underlying price appreciation. Enter your portfolio value, monthly contributions, starting yield, dividend growth rate, and expected price appreciation, then toggle DRIP on or off to see how reinvestment transforms the outcome. The calculator projects annual dividend income year by year, shows the final portfolio value, tallies cumulative lifetime dividends paid, and surfaces the yield-on-cost, the metric that captures why a stock with a modest 2.5% starting yield can throw off 15–20% on your original cost basis after decades of raises. A bar chart visualizes the rising annual payouts so the income ramp becomes viscerally clear. It's the calculator that turns "live off dividends in retirement" from a buzz phrase into a realistic, numbers-backed plan.