See how much a dividend stock could pay you, with dividends reinvested or taken as cash. Start from a real stock’s actual dividend record, see what it really returned, and add covered call income on top.
Type a ticker to fill in its price, yield, payment schedule and dividend growth.
Balance each year
Money you put inGrowth and dividends
Dividend income each year
Dividends are reinvested: each payment buys more shares at that month’s price.
| Year | Put in | Dividends that year | Total dividends | Balance | Yield on cost |
|---|---|---|---|---|---|
| 1 | $16,000 | $484.78 | $484.78 | $17,154 | 3.03% |
| 2 | $22,000 | $738.42 | $1,223 | $24,924 | 3.36% |
| 3 | $28,000 | $1,014 | $2,237 | $33,364 | 3.62% |
| 4 | $34,000 | $1,313 | $3,550 | $42,530 | 3.86% |
| 5 | $40,000 | $1,638 | $5,188 | $52,485 | 4.10% |
| 6 | $46,000 | $1,991 | $7,179 | $63,297 | 4.33% |
| 7 | $52,000 | $2,374 | $9,554 | $75,041 | 4.57% |
| 8 | $58,000 | $2,791 | $12,344 | $87,795 | 4.81% |
| 9 | $64,000 | $3,243 | $15,587 | $101,648 | 5.07% |
| 10 | $70,000 | $3,734 | $19,321 | $116,694 | 5.33% |
| 11 | $76,000 | $4,267 | $23,588 | $133,035 | 5.61% |
| 12 | $82,000 | $4,847 | $28,435 | $150,784 | 5.91% |
| 13 | $88,000 | $5,476 | $33,911 | $170,060 | 6.22% |
| 14 | $94,000 | $6,159 | $40,070 | $190,996 | 6.55% |
| 15 | $100,000 | $6,902 | $46,972 | $213,735 | 6.90% |
| 16 | $106,000 | $7,708 | $54,680 | $238,433 | 7.27% |
| 17 | $112,000 | $8,583 | $63,263 | $265,256 | 7.66% |
| 18 | $118,000 | $9,534 | $72,797 | $294,390 | 8.08% |
| 19 | $124,000 | $10,567 | $83,365 | $326,031 | 8.52% |
| 20 | $130,000 | $11,689 | $95,054 | $360,398 | 8.99% |
The same idea run on real history: the share price every day and every dividend actually paid.
Sell one call per 100 shares and keep the premium on top of the dividend. Pick an expiration and a strike from the live option chain.
Enter a starting amount, what you add each month, and how long you plan to hold. The calculator steps through every month: new money buys shares at that month’s price, the share price grows at the rate you set, and each dividend payment either buys more shares (DRIP on) or is kept as cash (DRIP off). The dividend per share starts at the price times the yield and rises by the dividend growth rate once a year. The first chart splits your balance into the money you put in and everything it earned; the second shows the dividend income each year.
Type a ticker to start from a real stock. The calculator fills in the current price, the yield from the latest regular dividend, how often it pays, and its five-year dividend growth, all from the company’s actual dividend record and adjusted for stock splits. It also shows how many years in a row the dividend has been raised and when the next ex-date is.
Income investors often sell covered calls on the dividend stocks they already own, collecting option premium on top of the dividend. The covered call section uses the live option chain to show the premium, the yearly income if a similar call could be sold each month, the return if the shares are called away, and the one trap specific to dividend stocks: an in-the-money call whose time value is less than the coming dividend can be exercised the day before the ex-date. For the full payoff picture use the covered call calculator, and see our monthly list of the best stocks for covered calls or the covered call ETF guide for funds that do it for you.
Yes. No login, no ads, nothing locked. Your own numbers stay in your browser; the stock lookup fetches public market data for the ticker you type.
Annual dividend per share divided by the share price. A stock paying $0.53 a quarter ($2.12 a year) at $70 yields 3.03%. When you look up a ticker we use the latest regular dividend times the number of payments a year, and leave special one-time payments out.
A dividend reinvestment plan: each dividend buys more shares instead of landing as cash. Those new shares earn dividends of their own, which is why the reinvested line pulls away from the cash line the longer you hold. Most brokers let you switch it on per stock.
$12,000 a year divided by the yield. At a 3% yield that is $400,000; at 4% it is $300,000; at 6% it is $200,000. Set the years and monthly amount above to see how long it takes to get there with reinvested dividends and growing payouts.
This year’s dividends divided by the money you actually put in. A stock that raises its dividend every year can pay you 8% or 10% of your original cost a decade later even if its current yield is 3%.
The first day the stock trades without its next dividend. You must own the shares before that day to get the payment, and the share price usually drops by about the dividend amount when the market opens on the ex-date.
Often not. Yield rises when the price falls, so a 12% yield can mean the market expects a cut. Check whether the dividend was cut recently, whether earnings cover it, and how the price has moved. The lookup flags a recent cut when it sees one.
You sell a call option against 100 shares and keep the premium. If the stock stays under the strike, you keep the shares, the premium and the dividend; if it rises above, the shares can be called away at the strike. The covered call section shows both outcomes and warns when early assignment could take your dividend.
In a taxable US account, qualified dividends are usually taxed at 0%, 15% or 20% depending on income, and ordinary dividends at your regular rate. Enter your rate in the tax field to see the after-tax figures. Retirement accounts work differently; check with a tax professional.
Every tool we build is free: browse the full free tools collection, model option trades in the options profit calculator, and grade your own trades with the free trading journal template.
Educational tool only. Every figure is an estimate from the numbers entered or from past market data, not a forecast, a quote or financial advice. Market data may be delayed 15 minutes. Past results do not predict future returns, and dividends can be cut or suspended. Pure Power Picks is an educational service and is not a registered investment adviser or broker-dealer.