Dividend Calculator

Three modes: Simple for this year’s income from yield or shares; Projector for multi-year plans with contributions, DRIP, price appreciation, and dividend growth; Metrics for DPS, yield, payout ratio, and statement-based estimates. Everything runs locally in your browser — your inputs are not uploaded to produce the result.

Annual dividends divided by the share price (or portfolio value), as a percentage. A £10,000 holding paying £500/year has a 5% yield. It runs a year-by-year plan using share price, shares, yield, annual contributions, optional dividend reinvestment (DRIP), stock appreciation, and dividend growth — then shows total dividends and average monthly income by year.

Dividends paid divided by net income. A lower ratio often means more earnings are reinvested for growth; a very high ratio can be harder to sustain. Often yes outside tax wrappers. UK dividend allowance and US qualified-dividend rules are not applied in this tool. Use Dividend Calculator for quick planning; confirm important money, tax, or health decisions with an official source or professional when needed.

Yield is last year’s (or expected) dividends over price — prices move, so yield is not a locked income. Dividend growth and DRIP assume companies keep paying, which they may not in a recession.

Payout ratio from a statement is a sustainability clue, not a buy signal. Tax (UK dividend allowance, US qualified dividends) is omitted. Use Simple mode for this year, Projector for a plan, Metrics when you have a report in front of you.