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DRIP calculator: reinvest dividends

Compare dividend reinvestment with taking cash under a constant-yield scenario.

How this DRIP model works

With starting value P, annual yield r, n reinvestments per year, and t years, the model calculates P × (1 + r/n)^nt. Cash distributions without reinvestment total P × r × t. Fractional shares are allowed. The model assumes constant share price and yield, no additional contributions, taxes, fees, inflation, or dividend changes. It is a simplified illustration, not a price or total-return forecast.

Worked example

$10,000 at 4% with quarterly reinvestment for 10 years becomes approximately $14,888.64. Without reinvestment, the same assumptions produce $4,000 in cash dividends while the original holding remains $10,000.

To model income without compounding, use the dividend income calculator.

Choose inputs carefully

Use a yield consistent with your source and check whether it includes special payments. See trailing versus forward yield, US dividend research, and our methodology. This calculator runs on your device; it does not send entered amounts to Yieldly.