Dividend & DRIP Calculator

This dividend calculator starts with two simple formulas: dividend yield = annual dividend per share ÷ share price × 100, and annual dividend income = shares owned × annual dividend per share. So 100 shares paying a 2 dividend on a 50 price yield 4% and 200 a year. The DRIP calculator part is a period-by-period simulation, not a closed formula: for each pay period (annual, quarterly or monthly) it pays shares × per-period dividend, subtracts tax, and — with reinvestment on — buys new shares at the current price, so the next period pays on a slightly larger position. Dividend growth and share-price growth are applied every period too. That compounding loop is what makes a dividend reinvestment calculator different from a flat savings projection.

The DRIP advantage is the difference between two runs of the same inputs: reinvesting every dividend (a dividend reinvestment plan) versus taking each dividend as cash. With DRIP on, each net dividend buys more shares, which pay more dividends next period, which buy still more shares — a compounding snowball. Taking dividends as cash leaves your share count fixed, so your final value is your shares at the ending price plus the cash you collected. This dividend reinvestment calculator shows both totals and the gap between them, so you can see exactly how much reinvesting adds over your holding period. The longer the horizon and the higher the yield, the larger the advantage tends to be.

Yield on cost measures your annual dividend income against what you originally paid, not against today's price. This dividend yield calculator computes it as the projected end-of-period annual dividend divided by your original cost (shares × price) × 100. If the dividend never grew and you took the cash, yield on cost would just equal your starting yield. But when you enter an annual dividend growth rate, the per-share dividend rises every year, so the income measured against your fixed original cost climbs well above the current yield over time — and reinvesting adds even more shares on top. That is why long-term holders of dividend-growth stocks often quote a yield on cost far higher than the headline yield a new buyer sees.

The presets fill the dividend tax field so you don't have to look it up, and the value stays editable. Korea uses 15.4% — the 14% dividend income tax plus a 1.4% local surtax — withheld on most dividends for the 배당금 계산기 case; note that once your annual financial income tops 20 million KRW you may fall under 금융소득종합과세 (comprehensive taxation) at higher progressive rates, which this single flat rate does not model. US uses 15% as a representative qualified-dividend rate; qualified dividends are taxed at 0/15/20% by income, while ordinary (non-qualified) dividends are taxed as regular income, and a 3.8% net investment income tax can apply. These are base-year 2026 reference figures — your actual rate depends on your bracket and account, so treat them as a starting point and edit them.

Every number here is an assumption you type — the share price, the dividend, the growth rates — and this DRIP calculator simply does the arithmetic on them. Real dividends can be cut, frozen or suspended, and share prices fall as well as rise; the tool deliberately does not model dividend cuts or price drops, so treat the output as one optimistic scenario, not a forecast or investment advice. Tax is applied as a single flat rate on each dividend, which is a simplification. Nothing is sent to a server and no live prices are fetched — you enter every value yourself, and your last entry is saved only in your own browser.