Dividend calculator: Calculate dividends & passive income

Plan your dividend income: Deposit value, dividend growth, share price growth, reinvestment and taxes (simplified).

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Dividend Calculator

Years
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This separates dividend growth and price development (simplified model).

Reinvest Dividends
Distributions automatically increase your portfolio.
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Simplification: Tax on dividends only (not on capital gains).

Dividend Income in Year 20
€11,227.41
per month: €935.62
Portfolio Value
€206,801.00
Yield on Cost
15.38%
Invested
€73,000.00
Gross Dividends (Year 20)
€15,249.45
Dividend Tax (Year 20)
€4,022.04
Annual Overview (Excerpt)
End of Year - Net Dividends
Year 1
€745.00
€28,908.00
Year 2
€886.00
€33,073.00
Year 3
€1,046.00
€37,522.00
Year 4
€1,226.00
€42,283.00
Year 5
€1,429.00
€47,387.00
Year 6
€1,658.00
€52,872.00
Year 7
€1,916.00
€58,777.00
Year 8
€2,209.00
€65,149.00
Year 9
€2,541.00
€72,041.00
Year 10
€2,916.00
€79,510.00
Year 16
€6,542.00
€140,960.00
Year 17
€7,481.00
€154,992.00
Year 18
€8,558.00
€170,503.00
Year 19
€9,798.00
€187,694.00
Year 20
€11,227.00
€206,801.00
Note: For performance, we only show the first 10 years and the last 5 years.
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Dividend Calculator: Plan Your Passive Income Realistically

Dividends can be powerful: regular payouts that (in the best case) grow over time. The key point, however, is that dividends are not "free money" — they are part of the total return.

What This Calculator Does (and Doesn't Do)

We simplify by separating price growth and dividend growth. This lets you build scenarios, e.g., "solid dividend growth, moderate price growth."

Taxes, exchange rates, withholding taxes, and individual brokerage costs are complex in reality. Here we calculate quickly and transparently — as guidance, not as tax advice.

Reinvest or Cash Out?

If you reinvest dividends, your portfolio grows faster (compound interest effect). If you take dividends as cash, you're planning more for monthly income. The calculator can model both scenarios.

Frequently asked questions

Yield on cost describes your dividend yield in relation to your paid-in capital (not to the current market value).