Dividend Income Calculator
Project annual and monthly dividend income from any holding: shares × dividend per share, yield on cost, and growth with reinvested dividends. Free and private.
Dividend investing is a income-planning exercise: how much cash flow does a portfolio actually produce? The core math is shares × annual dividend per share, but the number that matters for planning is yield on cost — today's income against what you paid — and the trajectory if payouts keep growing.
Enter your holding, the share price, and the annual dividend to see current income, yield, and per-payment amounts. Add an assumed dividend growth rate and holding period to watch reinvested dividends (DRIP) compound the income stream year over year.
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Dividend Calculator
Calculate dividend yield, after-tax income, and project DRIP reinvestment growth over time.
Qualified dividends taxed at LTCG rates (0%, 15%, 20%). Ordinary dividends taxed at income rate. Assumes constant dividend amounts and stock prices for projections. Actual results vary.
Dividends and the power of DRIP
A dividend is a share of a company's profit paid out per share — a $1.00/yr dividend on a $100 share is a 1% yield. Qualified dividends (held over 60 days and paid by US companies) are taxed at long-term capital-gains rates of 0–20%, not ordinary income rates, which is why this calculator applies a separate tax rate. With DRIP (dividend reinvestment), each payout is used to buy fractional shares instead of taking cash, so next year's payout is slightly larger — income compounds on income. Because prices are held constant here, growth comes purely from reinvestment: on the sample portfolio, $549.78/yr of after-tax income reinvested for 10 years lifts annual income from $646.80 to about $659 and the portfolio from $52,900 to about $55,100.
Left: the reinvestment loop — each dividend is taxed, the remainder buys fractional shares, and the next payout is a little larger. Right: annual income with DRIP vs taking cash, starting from $646.80/yr — reinvestment bends the line upward while cashing out keeps it flat.
Lena holds three positions — 100 AAPL at $195 ($1.00/yr per share), 50 MSFT at $420 ($3.00/yr), and 80 JNJ at $155 ($4.96/yr) — with AAPL and MSFT on DRIP and a 15% qualified dividend tax rate.
- Total invested:$52,900 across 3 positions
- Annual dividend income:$646.80 → $549.78 after 15% tax → $45.82/mo
- Portfolio yield:1.22% average across holdings
- 10-year DRIP:Reinvested dividends grow income to $659.19/yr and the portfolio to $55,077
About this dividend income calculator
This page covers dividend calculator with reinvestment, how much dividends from 100 shares, yield on cost calculator, monthly dividend income — all the same underlying task as dividend income calculator. The tool above is FreeToolHub's dividend calculator embedded in full: every feature works right here, and nothing you process is uploaded to any server.
Frequently asked questions
How much dividend income do 100 shares pay?
It depends entirely on the company's dividend. 100 shares of a stock paying $2.60 per share annually produces $260 a year — about $21.70 a month if paid quarterly. A stock paying $1.20 pays just $120. Enter the actual dividend per share in the calculator rather than guessing from yield alone.
Does reinvesting dividends really matter?
Over long periods, dramatically. Reinvested dividends buy more shares, which earn more dividends, which buy more shares. At a 3% yield with 6% annual dividend growth and DRIP, income roughly doubles in about 12 years even with no share-price growth. The calculator models this compounding explicitly.