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Dividend Reinvestment Calculator
Compare an investment with dividends reinvested against the same investment taking the cash.
Dividend reinvestment
Value with reinvestment: —
Value without reinvestment: —
Difference: —
Total dividends with reinvestment: —
Total growth: —
Calculation: —
How to use the Dividend Reinvestment Calculator
- Enter your initial investment and the dividend yield you expect.
- Add the annual price growth, the number of years and any monthly contribution.
- Compare the value with and without reinvestment and read the difference.
Features
- Compares reinvesting against taking the cash
- Year by year table of both outcomes
- Total dividends and total growth
- Optional monthly contributions included
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Frequently Asked Questions
Common questions about the free online dividend reinvestment calculator.
It means using the cash dividends you receive to buy more shares instead of taking the money
out of the account.
Each dividend buys more shares, so future dividends are paid on a larger holding and the
effect compounds over time.
That column keeps the shares growing with the price and adds the cash dividends received, so
nothing is lost.
The yield is applied to the portfolio value at the start of the year, so growth raises future
dividend income too.
It is how much more the reinvested portfolio is worth at the end compared with taking the
dividends as cash.
Yes. The calculator assumes one annual dividend payment, which keeps the projection easy to
follow.
No. Tax and trading fees are ignored, so real results will be slightly lower where dividends
are taxed.
Use the current yield of the fund or share. A broad market fund has historically yielded a
few percent.
No. Share prices can fall, and a lower price means the same dividend buys more shares but the
holding is worth less.
Yes. It is free, runs entirely in your browser and is an estimate rather than financial
advice.
Last updated: October 10, 2026