FINANCEVELIX / Investment calculators
Dividend income calculator
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Plan a monthly dividend goal and compare reinvesting with taking cash.
Dividend income calculator
Use the same currency for every price, fee and amount. Changing this label does not convert values.
FINANCEVELIX / Your calculation
Your calculation
- Capital needed for the goal
- $150,000.00
- Reinvest dividends · Monthly net dividends
- $440.86
- First goal crossing · reinvestment
- Not reached in this period
- Reinvest dividends · Scenario ending balance
- $132,258.21
Based only on the inputs shown below; no live prices are used.
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FinanceVelix · Dividend income calculator Currency / unit: USD Initial amount: $10,000.00 Monthly contribution: $300.00 Annual dividend yield (%): 4% Annual price change (%): 0% Effective dividend tax (%): 0% Years: 20 Monthly net dividend goal: $500.00 Capital needed for the goal: $150,000.00 Reinvest dividends · Monthly net dividends: $440.86 Reinvest dividends · Scenario ending balance: $132,258.21 Take dividends as cash · Scenario ending balance: $82,000.00 Illustrative calculation, not a forecast or investment recommendation. No trades are placed. Each month: dividends on the opening balance, price change, then month-end contributions. Dividend yield stays constant relative to portfolio value. Monthly income means annual net dividends divided by 12; actual payment dates vary. Fees, inflation, exchange rates and capital-gains taxes are excluded.
Scenario ending balance · USD
● Reinvest dividends● Take dividends as cash
$132,258.21
Year-by-year breakdown · USD
| Year | Total contributions | Reinvest dividends · Scenario ending balance | Take dividends as cash · Scenario ending balance | Monthly net dividends | Cumulative cash dividends |
|---|---|---|---|---|---|
| 0 | $10,000.00 | $10,000.00 | $10,000.00 | $33.33 | $0.00 |
| 1 | $13,600.00 | $14,074.15 | $13,600.00 | $46.91 | $466.00 |
| 2 | $17,200.00 | $18,314.30 | $17,200.00 | $61.05 | $1,076.00 |
| 3 | $20,800.00 | $22,727.19 | $20,800.00 | $75.76 | $1,830.00 |
| 4 | $24,400.00 | $27,319.87 | $24,400.00 | $91.07 | $2,728.00 |
| 5 | $28,000.00 | $32,099.66 | $28,000.00 | $107.00 | $3,770.00 |
| 6 | $31,600.00 | $37,074.19 | $31,600.00 | $123.58 | $4,956.00 |
| 7 | $35,200.00 | $42,251.39 | $35,200.00 | $140.84 | $6,286.00 |
| 8 | $38,800.00 | $47,639.51 | $38,800.00 | $158.80 | $7,760.00 |
| 9 | $42,400.00 | $53,247.16 | $42,400.00 | $177.49 | $9,378.00 |
| 10 | $46,000.00 | $59,083.27 | $46,000.00 | $196.94 | $11,140.00 |
| 11 | $49,600.00 | $65,157.15 | $49,600.00 | $217.19 | $13,046.00 |
| 12 | $53,200.00 | $71,478.49 | $53,200.00 | $238.26 | $15,096.00 |
| 13 | $56,800.00 | $78,057.38 | $56,800.00 | $260.19 | $17,290.00 |
| 14 | $60,400.00 | $84,904.29 | $60,400.00 | $283.01 | $19,628.00 |
| 15 | $64,000.00 | $92,030.16 | $64,000.00 | $306.77 | $22,110.00 |
| 16 | $67,600.00 | $99,446.35 | $67,600.00 | $331.49 | $24,736.00 |
| 17 | $71,200.00 | $107,164.69 | $71,200.00 | $357.22 | $27,506.00 |
| 18 | $74,800.00 | $115,197.48 | $74,800.00 | $383.99 | $30,420.00 |
| 19 | $78,400.00 | $123,557.54 | $78,400.00 | $411.86 | $33,478.00 |
| 20 | $82,000.00 | $132,258.21 | $82,000.00 | $440.86 | $36,680.00 |
Calculation assumptions
Capital needed for the goal = Monthly net dividend goal × 12 ÷ (Annual dividend yield (%) ÷ 100 × (1 − Effective dividend tax (%) ÷ 100))
Each month: dividends on the opening balance, price change, then month-end contributions. Dividend yield stays constant relative to portfolio value.
Monthly income means annual net dividends divided by 12; actual payment dates vary. Fees, inflation, exchange rates and capital-gains taxes are excluded.