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Dividend calculator
How much a portfolio pays in dividends, and what reinvesting them does over time.
$100,000 at a 3.5% dividend yield pays $3,500 a year, about $292 a month. Reinvesting every dividend for 20 years, with dividends growing 5% a year, the holding grows to $527,950.
Yearly dividends after 20 years
$18,478
Today: $3,500 a year, $292 a month, from $100,000 at 3.5%.
Reinvesting every dividend, the holding grows to $527,950.
| Year | Value, reinvesting | Dividends that year | Value, taking cash |
|---|---|---|---|
| 0 | $100,000 | $3,500 | $100,000 |
| 5 | $151,582 | $5,305 | $127,628 |
| 10 | $229,772 | $8,042 | $162,889 |
| 15 | $348,293 | $12,190 | $207,893 |
| 20 | $527,950 | $18,478 | $265,330 |
How it works
Yearly dividends = amount invested × dividend yield
The calculator keeps the yield constant and lets dividends and the share price grow at the same rate. Reinvesting buys more shares each year, so the holding compounds at about yield + growth; taking cash leaves it growing only with the price.
Dividend income by amount and yield
| Invested | 2% yield | 3% yield | 4% yield |
|---|---|---|---|
| $100,000 | $2,000 a year | $3,000 a year | $4,000 a year |
| $250,000 | $5,000 a year | $7,500 a year | $10,000 a year |
| $500,000 | $10,000 a year | $15,000 a year | $20,000 a year |
| $1,000,000 | $20,000 a year | $30,000 a year | $40,000 a year |
Questions people ask
How much do I need to invest to make 1000 a month in dividends?
$12,000 a year divided by the yield: $400,000 at 3%, $300,000 at 4% and $600,000 at 2%. How much to invest to make $1,000 a month compares dividends with a total-return withdrawal.
How much dividends does 1 million dollars make?
$1,000,000 pays $20,000 a year at a 2% yield, $30,000 at 3% and $40,000 at 4%, before taxes.
Related
The investment calculator projects total return with contributions and fees.
Dividend yields and growth are inputs you choose, not forecasts. Companies can cut dividends. See the disclaimer.
Last reviewed by Asier Fernández, editor, on . Educational information only, not financial advice. How we calculate