Dividend Reinvestment (DRIP) Calculator
Project portfolio growth with reinvested dividends, contributions, price and dividend growth over time.
100% = full DRIP; the rest is kept as cash
Can be negative
Projected portfolio value
US$78,715.57
Total contributions
US$34,000.00
Starting investment + monthly contributions
Shares accumulated
1,171.4355
Distributions received
US$33,636.85
Total across the whole period
Distributions reinvested
US$33,636.85
Cash retained
US$0.00
Distributions not reinvested + whole-share remainders
Estimated future monthly income
US$639.69
At the end of the period, after growth
| Year | Portfolio value | Contributions to date | Distributions to date | Income that year |
|---|---|---|---|---|
| 1 | US$13,694.95 | US$12,400.00 | US$941.67 | US$941.67 |
| 2 | US$17,846.05 | US$14,800.00 | US$2,223.28 | US$1,281.61 |
| 3 | US$22,521.98 | US$17,200.00 | US$3,898.95 | US$1,675.67 |
| 4 | US$27,802.74 | US$19,600.00 | US$6,031.95 | US$2,133.00 |
| 5 | US$33,781.78 | US$22,000.00 | US$8,696.41 | US$2,664.46 |
| 6 | US$40,568.43 | US$24,400.00 | US$11,979.32 | US$3,282.92 |
| 7 | US$48,290.81 | US$26,800.00 | US$15,983.00 | US$4,003.68 |
| 8 | US$57,099.44 | US$29,200.00 | US$20,827.96 | US$4,844.96 |
| 9 | US$67,171.41 | US$31,600.00 | US$26,656.48 | US$5,828.52 |
| 10 | US$78,715.57 | US$34,000.00 | US$33,636.85 | US$6,980.36 |
How this calculator works
Each month: distribution = shares × price × (annual yield ÷ 12)Shares bought = (monthly contribution + reinvested distribution) ÷ pricePrice and distribution rate grow monthly at the annual growth rates ÷ 12
- Distributions are counted once; the reinvested portion then buys shares, and portfolio value counts those shares exactly once — no double counting of income, dividend growth or price appreciation
- Fractional shares by default; enable whole-share mode to simulate floor-edged purchases (uninvested cash is retained)
- Growth rates are estimates you choose — projections are illustrative scenarios, not guarantees
- All inputs are user-provided; no live market prices are used
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Continue where you left off — key inputs carry over to the next calculator.
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