Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Balance with reinvestment
$417,680
Balance + cash taken instead
$338,783
DRIP advantage
$78,898
After-tax dividends taken as cash
$65,450
Portfolio value without reinvestment
$273,333
Total contributed
$145,000
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter starting investment ($).
- 2Enter monthly contribution ($).
- 3Enter dividend yield (%).
- 4Enter annual price appreciation (%).
- 5Enter years.
- 6Enter dividend tax rate (if taking cash) (%).
- 7Read your balance with reinvestment on the right — it updates as you type.
- 8Hit Share to keep the scenario or send it to someone.
About this calculator
Reinvestment is where most of the long-run total return of dividend stocks comes from. Over 20+ years, DRIP versus cash routinely doubles the ending balance.
Worked example
Using the values the calculator loads with:
Inputs
- Starting investment: 25000 $
- Monthly contribution: 500 $
- Dividend yield: 3 %
- Annual price appreciation: 5 %
- Years: 20
- Dividend tax rate (if taking cash): 15 %
Results
- Balance with reinvestment: $417,680.28
- Balance + cash taken instead: $338,782.59
- DRIP advantage: $78,897.69
- After-tax dividends taken as cash: $65,449.75
- Portfolio value without reinvestment: $273,332.84
- Total contributed: $145,000.00
What each field means
Inputs
- Starting investment ($)
- The starting investment used in the calculation, measured in $. Starts at 25000 $ so you have a working example on load.
- Monthly contribution ($)
- The monthly contribution used in the calculation, measured in $. Starts at 500 $ so you have a working example on load.
- Dividend yield (%)
- The dividend yield used in the calculation, measured in %. Starts at 3 % so you have a working example on load. Accepted range: 0–20 %.
- Annual price appreciation (%)
- The annual price appreciation used in the calculation, measured in %. Starts at 5 % so you have a working example on load. Accepted range: -10–25 %.
- Years
- The years used in the calculation. Starts at 20 so you have a working example on load. Accepted range: 1–50.
- Dividend tax rate (if taking cash) (%)
- The dividend tax rate (if taking cash) used in the calculation, measured in %. Starts at 15 % so you have a working example on load. Accepted range: 0–50 %.
Results
- Balance with reinvestment
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Balance + cash taken instead
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- DRIP advantage
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- After-tax dividends taken as cash
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Portfolio value without reinvestment
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total contributed
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the drip calculator work?
Reinvestment is where most of the long-run total return of dividend stocks comes from. Over 20+ years, DRIP versus cash routinely doubles the ending balance. The underlying maths is: Balance = Principal × (1 + price growth + yield)^years, with dividends buying more shares.
What do I need to enter?
6 values: starting investment, monthly contribution, dividend yield, annual price appreciation, years, and dividend tax rate (if taking cash). Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the balance with reinvestment result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Dividend Reinvestment (DRIP) Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/dividend-reinvestment
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/dividend-reinvestment" target="_blank" rel="noopener">Dividend Reinvestment (DRIP) Calculator — RevenueLab</a> (2026).</p>
Source: [Dividend Reinvestment (DRIP) Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/dividend-reinvestment) (2026).