Calculator

Dividend reinvestment (DRIP) calculator

Compound reinvested distributions and monthly contributions, month by month. Then do what most DRIP calculators won’t let you: cut the distribution, flatten the price, and see what survives.

Outlook

Inputs

Starting investment

Monthly contribution

Years15 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

$312/mo

$3,739/yr gross

Value after 15 yrs

$114,814

Total gain / contributed

+109%

$59,814 gain · 7.8%/yr

Total contributed

$55,000

final-year gross (pre-tax) income ÷ contributed 6.8%

What this scenario says

Contributing $10,000 up front plus $250 a month for 15 years puts in $55,000 of your own money. Under these assumptions the position ends worth $114,814, averaging about $312 a month in gross distributions in its final year. That is a total gain of $59,814 (+109%) — about 7.8% a year, money-weighted, counting income and price together.

Your money $55,000Growth + reinvested income $59,814

Income milestones

$100 avg gross/mo around year 6
$250 avg gross/mo around year 13

Resilience check — run automatically

Payout cut 30% at year 2:final average gross income $197/mo(−37%)
Crash at year 1: −25% price and 30% payout cut:final average gross income $259/mo(−17%)

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: yesyour input

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	$481	$13,000	$13,954
2	$635	$3,000	$18,223
3	$799	$3,000	$22,829
4	$973	$3,000	$27,796
5	$1,157	$3,000	$33,150
6	$1,353	$3,000	$38,918
7	$1,560	$3,000	$45,127
8	$1,780	$3,000	$51,809
9	$2,014	$3,000	$58,996
10	$2,261	$3,000	$66,722
11	$2,524	$3,000	$75,025
12	$2,802	$3,000	$83,942
13	$3,096	$3,000	$93,517
14	$3,408	$3,000	$103,791
15	$3,739	$3,000	$114,814

How this works

Contributions buy shares at the start of each month; distributions arrive on the payout schedule, are taxed at your flat rate, and the net amount buys more shares when DRIP is on. Price and distribution growth compound at your input rates. Full methodology.

Prefer a specific fund’s real numbers? Pick a supported fund and this calculator arrives pre-loaded with its distribution history.

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

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