Investment
Initial investment $10,000
$
Monthly contribution $200
$
Dividend settings
Annual dividend yield 4%
Annual dividend growth 5%
Annual stock price growth 7%
Time period 20 years
Presets
Total invested
$0
—
DRIP final value
$0
—
Without DRIP
$0
—
DRIP advantage
$0
Extra from reinvesting
Total dividends earned
$0
Gross before reinvestment
Annual income (yr 20)
$0
Dividend income in final year
DRIP vs no DRIP over time
With DRIP
Without DRIP
Amount invested
| Year | Shares owned | Annual dividend | DRIP value | No DRIP value |
|---|
What is DRIP? A Dividend Reinvestment Plan automatically uses your dividend payments to purchase additional shares instead of paying them out as cash. Over time this creates a compounding effect — more shares generate more dividends, which buy more shares. In a 30-year period, reinvested dividends can account for a significant portion of total S&P 500 portfolio growth, historically contributing well over half of total returns when combined with price appreciation.
Track your actual dividend portfolio — real share count, avg cost, live P&L, and weekly AI signals.
Try Pro free →
Returns assume constant annual rates applied monthly. Dividend yield and growth rates are user inputs — actual dividends vary by stock and are not guaranteed. Stock price growth is separate from dividend yield. Tax impact on dividends is not modeled. This calculator is for educational purposes only. Past performance does not guarantee future results. Not financial advice.