Free Dividend Calculator (+ Guide)
A free dividend calculator that shows your dividend income year by year, reinvested or as cash.
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by Navid Moazzez·Updated Oct 3, 2026·3 min read·Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Learn more.Your numbers
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This free dividend calculator shows what your dividends pay a year now, and what they could pay years from now, taken as cash or reinvested.
Type what's invested and the dividend yield, add what you'd put in a month and your growth guesses, and it shows your income year by year and what it's all worth.
I built it because dividend income is easiest to plan when you can see the year it covers a bill you care about.
TL;DRKey takeaways
What is a dividend calculator?
A dividend calculator works out the income an investment pays in dividends, now and over the years ahead.
This one lets you reinvest them or take them as cash, add money every month, and grow the dividend and the price at your own rates.
How it works
The calculator works it out on your device, and your numbers stay there.
Yield and yield on cost
Investor.gov defines a dividend as a portion of a company's profit paid to shareholders. Most pay on a fixed schedule, and some pay special dividends too.
The yield is a year's dividends divided by today's price. Yield on cost divides today's income by what you paid, so it rises as the dividend grows.
Reinvesting
Reinvested, each payment buys more shares at that day's price, and those shares pay dividends of their own. That's compound interest at work.
Taken as cash, your shares stay the same and the income grows only as the dividend does.
A worked example
Here's the example the calculator loads: $10,000 at a 3.5% yield, $200 added a month, dividends growing 5% a year and the price 4%, paid quarterly and reinvested for 20 years.
It pays $350 a year at the start and about $6,313 in year 20, about $526 a month.
Over the 20 years it pays about $51,633 in dividends, and the investment is worth about $161,326, against $58,000 put in.
Mistakes to avoid
These are the slips that come up most.
- Chasing the highest yield, which can mean a dividend about to be cut
- Forgetting tax on dividends in a taxable account
- Assuming the dividend grows every year without a break
- Leaving fund fees out of the return
Who is the dividend calculator for?
It's for anyone building income from investments, and these tools help around it.
- Compound interest calculator – for growth at any rate
- CAGR calculator – for an investment's yearly growth
- FIRE calculator – for when your investments cover your spending
- Inflation calculator – for what your income buys later
Find the year your dividends pay a bill, then build toward the next one.
Plan your money with your AI
Take your numbers further in
Dividend Calculator FAQs
Questions about the dividend calculator? Here's what to know.
It works out the income an investment pays in dividends, now and in the years ahead, reinvested or taken as cash.
A portion of a company's profit paid to shareholders, Investor.gov says.
Most companies that pay one do it on a fixed schedule.
Multiply what's invested by the dividend yield for a year's income.
$10,000 at a 3.5% yield pays $350 a year.
A year's dividends divided by the share price.
Your yearly dividends divided by what you paid.
It rises as the dividend grows, even if the share price does too.
Reinvesting buys more shares, which pay dividends of their own, so income grows faster.
Taking cash makes sense once you need the income.
Most US stocks pay quarterly, and some funds pay monthly.
The calculator lets you pick monthly, quarterly or yearly.
In a taxable account, usually yes.
The calculator shows them before tax.
Yes, it's free with no sign-up.
It runs in your browser, and your numbers stay on your device.
I did.
I'm Navid Moazzez, and I made the dividend calculator as one of my free tools on navid.me.
More about me.
Navid Moazzez
AI business strategist & AI OS builder
Navid Moazzez helps creators and founders master AI and build their own AI Operating System (AI OS) to automate their business and life.
Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Read the affiliate disclaimer.
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