Calculator

Dividend income calculator

The cash-income view: what a position pays out, year by year, when you take distributions as income instead of reinvesting. Toggle DRIP on to compare.

Outlook

Inputs

Starting investment

Monthly contribution

Years10 yrs

Share price

Distribution / share

Payout frequency

Distribution growth per year

Price growth per year

Effective tax rate on distributions

Use 0% for IRA/Roth. Simplified: one flat rate, federal only.

Reinvest distributions (DRIP)

Stress test

share carries inputs in the link only — nothing stored

Average gross income, final year

$43/mo

$522/yr gross

Value after 10 yrs

$14,802

+ $4,586 taken as cash

Total gain / contributed

+94%

$9,388 gain · 8.0%/yr

Total contributed

$10,000

final-year gross (pre-tax) income ÷ contributed 5.2%

What this scenario says

Contributing $10,000 up front for 10 years puts in $10,000 of your own money. Under these assumptions the position ends worth $14,802 plus $4,586 taken as cash, averaging about $43 a month in gross distributions in its final year. That is a total gain of $9,388 (+94%) — about 8.0% a year, money-weighted, counting income and price together.

Your money $10,000Growth + reinvested income $9,388

Resilience check — run automatically

Payout cut 30% at year 2:final average gross income $30/mo(−30%)
Crash at year 1: −25% price and 30% payout cut:final average gross income $30/mo(−30%)

No scenario without its downside: these variants re-run your exact inputs through standard shocks so the base case never stands alone.

Assumption ledger

Share price: $50.00your input
Distribution per share (quarterly): $0.5000your input
Distribution growth / yr: 3.0%base outlook
Price growth / yr: 4.0%base outlook
Tax rate on distributions: 0.0%your input
Reinvest distributions: noyour input

NoteThis scenario assumes no tax on distributions taken as cash. That fits tax-advantaged accounts; in a taxable account, set an effective tax rate.

Every rate above is held constant for the whole projection — real markets never do that. This is a scenario, not a forecast.

Year-by-year table

Year-by-year projection results
Year	Gross income	Contributed	Ending value
1	$400	$10,000	$10,400
2	$412	$0	$10,816
3	$424	$0	$11,249
4	$437	$0	$11,699
5	$450	$0	$12,167
6	$464	$0	$12,653
7	$478	$0	$13,159
8	$492	$0	$13,686
9	$507	$0	$14,233
10	$522	$0	$14,802

Related tools

Working toward a target? The income goal calculator reverses the math. Reinvesting instead? The DRIP calculator compounds it.

Educational scenario modeling only — not investment, tax, or financial advice. Results are hypothetical outcomes of your assumptions, not forecasts.

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