Free Course
Learn investing step by step with our complete free course.
Practise with $1,000,000 in virtual cash.
Follow the complete step-by-step journey.
Learn core investing concepts.
Key investing ideas, quickly.
Learn investing concepts through clear lessons.
Model returns and valuations.
Analyse, screen and compare markets.
Browse investing guides, research and resources.
Ask investing questions and learn with AI.
Build your knowledgestep by step.
Structured, beginnerfriendly course.
Infographics and visualexplanations.
Learn the coreinvesting concepts.
Understand keyinvesting terms.
Put what you learninto practice.
$1,000,000 virtual cashto practise.
Model returns andvaluations.
Test your knowledgeand track progress.
Research stocks andmarkets withpowerful tools.
Research any stockwith AI.
Charts, screeners andmarket data.
Ask anything aboutinvesting.
Invest with confidenceand stay safe.
Spot scams andavoid fraud.
Check offers forscam warning signs.
Compare broker feesand features.
AI-powered tools and insightsto analyse any stock.
A company’s numbers, read and explained.
Separate market facts from the noise.
Ask investing questions in plain English.
Upload a chart and explain the patterns.
Market data, screening andanalysis tools.
Filter thousands of stocks into a shortlist.
Explore price history with professional charts.
See the market’s day in one picture.
Know which companies report and when.
Model returns, screenings andinvestment scenarios.
See what regular investing becomes.
Check whether your plan is on track.
Estimate the number that makes work optional.
Calculate your true annual growth rate.
Spot scams and verify platforms.
Our mission and values.
Meet the people behind StockEducation.
What learners are saying.
Our content guidelines.
Definitions and key investing terms.
Learn through clear visual guides.
Ask any investing questions
Common questions answered.
Get in touch.
Important information.
Your privacy matters.
Read our website terms.
Evidence based researchand practical insights tohelp you invest better.
Project dividend income from a single holding over time using share price, shares owned, yield, contributions and growth. For multi holding portfolios use the Dividend Income Planner instead.
Dividend yield is the annual dividend per share divided by the current share price. A stock paying $2 a year at a price of $50 yields 4%. If the price falls to $25 while the dividend stays unchanged, the yield rises to 8% even though the business has not improved. The free StockEducation Dividend Yield Calculator works from the dividend and price or across a portfolio, and estimates annual income for the position size entered. A high yield can be a warning, so check the payout ratio, cash flow and dividend history before relying on it for income.
Enter your current position, dividend yield, contributions and growth assumptions to estimate dividend income year by year.
General education only — check the assumptions before using the result.
Purpose: This calculator is a general educational tool that performs a numerical calculation from the values you enter. It does not recommend, advertise or promote a specific financial product.
Assumptions: The calculation uses the input values and assumptions displayed in the calculator. Default values are illustrative starting points, not forecasts. Change each non-statutory assumption so it matches the scenario you want to test.
Limitations: Actual market returns, prices, dividends, interest rates, fees, tax, inflation and timing may differ from the assumptions. The calculator may omit factors relevant to you. Small input changes can materially change the result, so the output is an illustration rather than a prediction.
This financial calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. You should consider obtaining advice from a financial services licensee before making any financial decisions.
You can print this page or save it electronically using your browser controls. See ASIC Instrument 2026/41 for the conditions applying to generic financial calculators.
Disclaimer · Terms of Use
Educational content only. Projections assume constant inputs and do not account for dividend cuts, taxes, brokerage fees, inflation, currency effects or variable market returns. Use as a planning guide only.
100 shares at $100 with a 5% yield generates $500 per year or $41.67 per month in dividends. Project forward with price growth and dividend growth to see how the income changes over time. The calculator handles single holdings; for multi position views use the Dividend Income Planner.
Project dividend income from yield, holding and growth in three steps.
These set today’s portfolio value and dividend income.
Annual yield as a percentage. Optional annual contribution. Years to project.
The result panel shows Estimated Dividend Return, Total Dividends Received, Total Contributions Added, Estimated Portfolio Value Growth, a bar chart of yearly dividend income, and a year-by-year monthly income table. The monthly income column is the practical number — it is what shows up in your account each month. A high yield with no dividend growth often loses to a lower yield that grows over time.
A four-stage written walkthrough — the chapters a video would cover, available now in text.
Four chapters covering inputs, outputs and the common mistakes to avoid.
4 min watch. Auto captions available. Walkthrough chapters listed above.
Specific outcomes, not generic claims.
A 5% yield is abstract. $500 a year on 100 shares is concrete. The calculator translates between the two.
Reinvestment compounds the share count over time. The toggle shows the difference between identical positions managed differently.
Aristocrats average 5 to 7% growth per year. See how today’s $500 becomes tomorrow’s $1,000 over a decade or two.
Most calculators hide the formula. We show it because understanding the math is the point.
Annual income equals shares times price times yield. Projection compounds shares if DRIP and grows the per share dividend.
Shares
Price
Yield
Annual Income
The projection is a mathematical model, not a forecast. Six assumptions baked into the math, plus what real outcomes look like.
Each card pairs an assumption the calculator makes with what real world investing actually looks like.
Reality: Real yields move with price. A price drop raises yield; a dividend cut lowers it.
Reality: Companies cut in recessions. Even quality names are not guaranteed.
Reality: Real dividend growth varies year to year. Some 8%, some 0%, occasional cuts.
Reality: Dividends are taxable income in most accounts. After tax income is lower.
Reality: Platform fees and DRIP service fees can reduce net income marginally.
Reality: For multi position portfolios use the Dividend Income Planner.
Same base scenario, one variable changed at a time. The projection is highly sensitive to small changes.
The calculator assumes a smooth return every year. Here is how that compares to verified historical data.
Written by Dr. Charles Lo, Associate Professor, CPA. Reviewed annually.
Dividend yield is annual dividend per share divided by current share price. A stock paying $4 per year at $100 has a 4% yield. Yield changes whenever either number changes, which is why yield is a snapshot, not a stable property.
Total return from a dividend stock has two parts: income (the dividend) and capital appreciation (the price change). A 4% yielder that grows price by 6% has a 10% total return. The yield calculator focuses on the income half because price appreciation is captured in other tools.
Reinvestment compounds share count over time. A 100 share position at 4% yield receives $400. Reinvested into more shares, year two starts with about 104 shares earning 4% on a slightly larger total value. Over decades the share count compounds noticeably.
Use trailing twelve month yield (TTM) as the input. Forward yield based on the most recent quarterly times four is acceptable for stable payers but can mislead during transitions.
For dividend growth, use the company’s 5 or 10 year average from Morningstar or the company’s investor relations page.
Read three numbers: current monthly income, year 10 projected monthly income, and total dividends received over the projection. Year 10 income tells you whether dividend growth is doing real work.
If reinvested year 10 income is more than 50% above non reinvested, the compounding is material. For long holders, DRIP usually wins.
Real numbers calculated from the same formula as the live tool. Every figure below is verified, not approximated.
100 shares, $100 price, 5% yield, 10 years, no contribution, no reinvest, 2% price growth, 2% dividend growth
A straightforward income projection from a single dividend position over a decade.
Same inputs but reinvest dividends quarterly
DRIP turns received dividends into additional shares, which then earn dividends themselves.
100 shares start, $1,000/yr contribution, 5% yield, 10 years, no reinvest
Steady contributions add new shares each year, growing the income base.
200 shares at $50, 6% yield, 5 year hold
A REIT investor models income from a real estate income trust.
100 shares at $80, 3% yield, 20 year hold, 7% dividend growth, no reinvest
Aristocrat investor models income over a long horizon with strong dividend growth.
The questions users most often ask about calculator output.
Yes. Free to use, no signup. Your inputs are not stored or shared.
Trailing twelve month yield from a reliable source (issuer factsheet, Morningstar, broker page). Forward yield is acceptable for stable payers.
This handles a single holding in depth. The Planner handles multiple holdings and blends yield across the portfolio.
On if you plan to DRIP (compounds share count and income). Off for cash income only. Long holders typically benefit more from DRIP.
Annual dividend divided by your original purchase price. Different from current yield. A long held Aristocrat with strong growth can show yield on cost above 10% even when current yield is 3%.
No. Australian investors receive franking credits with most Australian dividends, which boost after tax yield. Add this separately.
Yield is dividend divided by price. If price drops and dividend stays the same, yield rises. A higher yield from a falling price is a warning, not always a feature.
Aristocrats 5 to 7%, REITs 2 to 4%, broad index 6 to 7% historical. Use the lower end for conservative planning.
Other tools for different parts of your financial picture.
The calculator uses standard dividend yield math (shares times price times yield) and a compound growth projection. Yield ranges are sourced from major issuer factsheets and sector indexes.
This calculator is provided for general educational purposes only. It does not constitute financial product advice. Dividend yields and growth rates change without notice; companies can suspend or cut dividends. Tax treatment varies by country, account type and personal circumstances. Consult a licensed financial adviser before relying on dividend income.
This calculator gives you the number. Our free courses teach you the why behind the math, the assumptions to question, and how to apply it to your own portfolio.
Enter price, shares, yield and growth assumptions. Toggle reinvestment to see how compounding the share count changes long term income.
Get instant educational answers aboutstocks, investing, and StockEducation.com.
Educational support only. Not personal financial advice. AI responses may contain errors.
Powered by AI ●
A beginner friendly guide that covers the essential lessons and concepts every new investor should understand.
Inside You'll Learn
I can explain how investing works. I cannot tell you what to buy or what is right for your situation.
I can be wrong. Check anything important against a primary source. For decisions about your own money, speak to someone licensed.
StockEducation.com is education only. We do not provide financial advice or recommendations, and we are not a licensed financial adviser or broker.
Our tools are teaching aids. They can be incorrect and do not consider your personal circumstances. Always verify important information yourself.
Investing involves risk, including the loss of capital.
By continuing, you agree to our Terms of Use and Disclaimer.
