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✦ Dividend Reinvestment Calculator

Build Your
Passive Income

Choose from the top 20 dividend tickers, add any custom stock, and see exactly how much your portfolio generates every month.

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Monthly Now
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Monthly at Year End
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Final Portfolio

Portfolio Calculator

Build your portfolio and see projections instantly

Monthly Now?Your estimated dividend income per month starting today, based on your current portfolio size and blended yield.
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Monthly Yr 10?Your estimated monthly dividend income at the end of your time horizon — after years of compounding and growth.
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Portfolio Value?The total estimated value of your portfolio at the end of your chosen time horizon.
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Total Invested?The total amount of money you put in — your starting investment plus all monthly contributions over time.
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Total Growth?The total profit above what you invested. This includes dividend reinvestment and stock price appreciation.
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Blended Yield?The weighted average dividend yield across all your tickers. Higher = more income per dollar invested, but often more risk.
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Portfolio Builder
100/100%
Quick Presets
Smart Allocation
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Reweights your current tickers using live market data — doesn't change which tickers you hold.
Settings
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Estimates only. Projections assume constant yields and growth. Actual returns vary. Not financial advice.

Starting Investment?The total amount of money you're investing today. This is your initial portfolio value.
Monthly Contribution?Extra money you add every month on top of your starting amount. Even $100/mo makes a big difference over time.
Time Horizon?How many years you plan to hold and grow your portfolio. Longer = more compounding = more income.
Est. Stock Price Growth?How much your stock prices grow per year, separate from dividends. Covered call ETFs like JEPI/QQQI: 0–2%. Dividend growth ETFs like SCHD: 5–8%. Individual stocks: varies.
Reinvest Dividends (DRIP)
?When ON, your dividend payments automatically buy more shares instead of paying you cash. This compounding effect significantly grows your income over time.
Compounding ON
Portfolio Growth
Monthly Dividend Income
Year-by-Year Breakdown
YearPortfolioMonthly $Growth
* All figures are estimates. Dividends may be cut, yields fluctuate, and past performance does not guarantee future results. For educational purposes only — not financial advice.
💡 Tip
Switch to the Allocation tab to see exact dollar amounts and shares to buy per position.
$0
Total Investment?The total amount you plan to invest across all your tickers.
$0/mo
Monthly Income?Estimated monthly dividend income from your full portfolio at the current blended yield.
$0/yr
Annual Income?Monthly income × 12. This is your estimated passive income per year from dividends alone.
0%
Blended Yield?The weighted average yield across all your tickers based on their allocation percentages.
Investment Amount
Total to Invest
Tickers sync from the Portfolio Builder in the DRIP tab.
Share Prices
?Enter the current share price for each ticker to see exactly how many shares you'd be buying with your allocation. Leave blank to skip share count.
Rebalance Checker
?Enter your current portfolio value to see how much you need to buy or sell per ticker to match your target allocations. Great for when you add new money or prices shift.
Current value:
* Estimates only. Not financial advice.
Dollar Breakdown
?Shows exactly how your investment is split across tickers in dollars, estimated shares (if you entered prices), and monthly income per position.
Ticker
Weight
$ Amount
Shares
Mo. Income
Gross Monthly?Your total dividend income before any taxes are applied.
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Tax Owed?Estimated federal tax on your dividend income based on your bracket and dividend type.
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Net Monthly?What you actually keep after federal taxes. This is your real take-home dividend income.
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Net Annual?Your net monthly income × 12. Your real annual passive income after taxes.
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Effective Rate?The blended tax rate across your whole portfolio based on each ticker's dividend type.
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Roth IRA Savings?If you held this same portfolio in a Roth IRA you would pay zero tax — this is what you'd keep every month.
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Your Tax Situation
?Enter your total annual income to automatically find your tax bracket, or click a bracket directly. This determines how much tax you owe on dividends.
Annual Income
📊 22% bracket — Qualified dividends taxed at 15%
Or select your bracket directly:
Dividend type in your portfolio:
💡 Roth IRA Advantage
If you hold these same dividends in a Roth IRA, you pay $0 in taxes — ever. Your net monthly income would be — instead.
Tax Breakdown by Ticker
?Shows gross income, tax owed, and net income for each ticker. Non-qualified ETFs like JEPI and QQQI are taxed at your ordinary income rate. Qualified dividend stocks are taxed at the lower capital gains rate.
* Based on 2024 US federal tax rates. State taxes not included. Qualified dividends require 60+ day holding period. Not tax advice — consult a CPA.
2024 Dividend Tax Rate Reference
Filing Status / Income Ordinary Rate Qualified Dividend Rate Non-Qualified Rate
Single: $0 – $47,02510–12%0%10–12%
Single: $47,026 – $518,90022–35%15%22–35%
Single: $518,901+37%20%37%
Married Filing Jointly: $0 – $94,05010–12%0%10–12%
Married: $94,051 – $583,75022–35%15%22–35%
Dividend Payment Calendar
?Shows which months each ticker in your portfolio pays dividends, and how much. Monthly payers like JEPI and O pay every month. Quarterly payers like SCHD pay 4 times per year.
Based on your current portfolio. Monthly estimates from your DRIP tab.
View Year:
$0/yr est.
Payment Schedule by Ticker
?Shows the specific months each ticker pays, how often, and estimated dollar amount per payment based on your portfolio size and allocation.
* Payment months based on known dividend schedules. Monthly payers: JEPI, JEPQ, QQQI, O, MAIN, AGNC. Quarterly payers: SCHD, VYM, VIG, DGRO, HDV, FDVV, SPYD, KO, JNJ, PEP, ABBV, MO, T. Estimates only.
Dividend Investing Guide
Click any article to expand and read. Written for all levels.
?These articles are designed to help you understand dividend investing. They're written for beginners but useful at any level. Each one covers a topic your users search for constantly — great for SEO too.
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Educational content only. Articles on this page are for informational purposes and do not constitute financial, investment, or tax advice. Always do your own research and consult a qualified financial advisor before making investment decisions. Past performance does not guarantee future results.

Start Your Dividend Portfolio

Commission-free brokers with automatic DRIP support

Charles Schwab
★ Top Pick
Best overall for dividend investors. Commission-free trades, automatic DRIP on all eligible securities, no account minimums.
✦ No minimum
Auto DRIP
Fidelity
Research
Excellent research tools, fractional shares, and automatic dividend reinvestment. Great for building a long-term dividend portfolio.
✦ Fractional shares
Auto DRIP
M1 Finance
Passive
Built for passive dividend investors. Create portfolio "pies" with your allocations and M1 auto-invests on schedule — perfect for DRIP.
✦ Auto-invest pies
Set & forget
Webull
Free Stocks
Popular with younger investors. Commission-free trading, extended hours, and a free stock bonus when you open and fund an account.
✦ Free stock bonus
No commission
Robinhood
Free Stock
The most beginner-friendly broker. Instant account setup, fractional shares, and a free stock just for signing up. Great for first-time investors.
✦ Free stock signup
Beginner friendly
Public.com
Dividend Focus
Built with income investors in mind. Shows dividend income front and center, with a clean portfolio view and automatic reinvestment options.
✦ Income focused
Clean UI
SoFi Invest
Bonus $$$
Great for beginners wanting a full financial app. Offers investing, crypto, and banking in one place. Signup bonuses available for new members.
✦ Signup bonus
All-in-one app
Moomoo
Free Stocks
Fast-growing broker with a generous signup bonus of up to 15 free stocks. Advanced charting tools, real-time data, and commission-free trading.
✦ Up to 15 free stocks
Advanced charts
Tastytrade
Options
Ideal for investors who want to enhance their dividend income by selling covered calls on their holdings — the same strategy JEPI and QQQI use.
✦ Options focused
Advanced tools
* Links may be affiliate links. We may earn a commission at no cost to you. This does not affect our recommendations.

Frequently Asked Questions

Everything about dividend investing and DRIP