Calculator
Stock Calculator
Enter your starting position, any regular buying, an annual price return and a dividend yield to see what the holding is worth, how much of it came from dividends, and what reinvesting them instead of taking the cash is actually worth.
Results
Fill in your numbers below, then press Calculate to see your results.
Investment
Initial investment is what you're putting into the position today. Add an annual and/or monthly contribution on top of that for however long you plan to keep buying.
Beginning means each contribution is invested in time to catch that period's price move and dividend; end means it lands after both. Beginning always produces a slightly larger balance.
Contribute at the beginning or end of each period
Growth
Annual price return is what the share price does on its own, before dividends — quote it excluding the yield, or you'll count the dividend twice. Compound is how often that return is credited and starts compounding.
Inflation rate doesn't touch the balance — it only re-expresses the final figure in today's buying power. Every figure here is before tax.
Holding period
Dividend reinvestment
Dividend yield is quoted per year and paid out in four equal quarterly installments, each one worth a quarter of the yield on whatever the position is worth at the time.
On Take as cash, each payment leaves the position and sits flat — you still keep it, it just stops compounding. On Reinvest, it buys more shares instead, so it earns price growth and future dividends of its own.
Take each dividend as cash or reinvest it
Per year, paid quarterly.
Set a dividend yield above to model the income side of the position. Leave it at 0% and this behaves as a pure price-return projection.
For educational purposes only. Results are estimates and do not constitute financial, tax, or legal advice. Consult a qualified professional before making any financial decisions.
How to use it
Start with your initial investment, then add whatever you plan to keep buying — a fixed amount each year, each month, or both.
Split the return in two: put the share price's own growth in annual price return and the income in dividend yield. A total-return figure in the first box would count the dividend twice.
Press Calculate for your projection, or flip on Real-Time Calculation to have it update as you type. Hover the ? beside any section for what it does.
Then switch from Take as cash to Reinvest. The “Total dividends” figure barely moves; the ending balance does — that gap is what compounding the income is worth.
Assumptions
- The annual price return is converted to an equivalent monthly rate based on your chosen compounding frequency, then applied every month — so the yearly figures land exactly where compounding at that frequency would put them.
- Dividends are paid quarterly, at every third month. Each payment is a quarter of the annual yield applied to what the position is worth at that moment, so it grows as the position does.
- Reinvested dividends buy more shares immediately and compound from then on. Dividends taken as cash still count toward the ending balance but sit flat — they earn nothing once they leave the position.
- Every figure is before tax. Whatever you owe on dividends and on realized gains comes out of these totals.
- The inflation rate never touches the balance itself — it only re-expresses the final ending balance in today's purchasing power.
- Assumes contributions, the price return, and the yield stay constant for the whole term, with no withdrawals, fees, or share-price volatility. Real markets do none of that — treat the output as a shape, not a forecast.