Simulate how dividend reinvestment (DRIP) and monthly contributions compound into passive monthly cash flow.
Formula: Compound interest formula A = P(1+r/n)^(nt) (Assumptions: 7% annual return, 4% dividend yield, 15.4% dividend tax, $1,000/mo contribution)
As of: November 2026
| Initial $10,000 + $1k/mo (10 yrs) | $194,191 (Est. Div $547 / mo) |
| Initial $30,000 + $1k/mo (10 yrs) | $234,384 (Est. Div $660 / mo) |
| Initial $50,000 + $1k/mo (10 yrs) | $274,577 (Est. Div $774 / mo) |
| Initial $100,000 + $1k/mo (10 yrs) | $375,060 (Est. Div $1,057 / mo) |
When you automatically reinvest dividends into additional shares, each new share generates its own future dividends alongside capital appreciation. Over a 15-to-20-year horizon, reinvested dividends often account for over 40% of total portfolio returns.
Dividend growth ETFs (such as SCHD, VIG, or DGRO) historically grow their payout per share by 7–11% annually. Even if your starting yield is 3.5%, your Yield on Cost after 10 years of dividend growth and reinvestment can exceed 8–10%.
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