DRIP Calculator
See the real impact of dividend reinvestment. Enter any stock or ETF and an investment amount to compare DRIP vs cash dividends using actual market data and dividend history.
Select a Stock
Search for a stock above
Try popular dividend stocks like KO, JNJ, PG, or SCHD.
Historical prices are estimated using average market returns. Actual results may vary. This is for illustration only — not financial advice.
Stop recalculating — track it live
This DRIP calculator shows what reinvesting dividends would have done for one holding. Connect your brokerage to REWD and this updates automatically as your dividends are paid — no re-running the numbers by hand. Free to start; automatic brokerage sync from $9.99/mo.
What does reinvesting dividends do to $10,000?
| Holding period | 2% yield | 3% yield | 4% yield | 5% yield |
|---|---|---|---|---|
| 10 years | $23,674 | $25,937 | $28,394 | $31,058 |
| 20 years | $56,044 | $67,275 | $80,623 | $96,463 |
| 30 years | $132,677 | $174,494 | $228,923 | $299,599 |
How much difference does DRIP make over 30 years?
At a 7% price-growth assumption, $10,000 in a stock yielding 3% grows to roughly $175,000 over 30 years with dividends reinvested, versus about $76,000 from price growth alone — the reinvested dividends more than double the outcome. The gap widens with yield: at 4% reinvested, the same $10,000 reaches roughly $228,900. Reinvestment buys shares that themselves pay dividends, which is the compounding the DRIP calculator above measures with real dividend histories.
DRIP growth by starting investment
| Starting amount | 10 years | 20 years | 30 years |
|---|---|---|---|
| $10,000 invested | $24,782 | $61,416 | $152,203 |
| $25,000 invested | $61,956 | $153,540 | $380,508 |
| $50,000 invested | $123,911 | $307,081 | $761,016 |
| $100,000 invested | $247,823 | $614,161 | $1,522,031 |
How much difference does reinvesting dividends make over 20 years?
Take $10,000 in a stock yielding 3.5% with 6% annual price growth. With dividends reinvested, the position compounds at roughly 9.5% and reaches about $61,416 after 20 years. Without reinvestment, the shares grow at 6% to about $32,071, and the dividends arrive as roughly $12,875 of cash along the way — about $44,900 combined if none of that cash is put back to work. Reinvesting is worth roughly $16,500 extra on a $10,000 stake, and the gap keeps widening every additional year you hold.
How much will $50,000 grow with dividends reinvested?
At a 3.5% dividend yield reinvested plus 6% annual price growth — 9.5% combined — $50,000 grows to about $123,911 in 10 years, $307,081 in 20 years, and $761,016 in 30 years with every dividend reinvested. Notice the spacing: the first decade adds about $74,000, the third adds over $450,000, because each reinvested dividend buys shares that pay their own dividends. Real results depend on the actual stock — enter a ticker in the DRIP calculator above to run the same comparison on its true dividend history.
Does DRIP work with ETFs and fractional shares?
Yes. Dividend ETFs like SCHD, VYM, and JEPI can be enrolled in a dividend reinvestment plan at every major brokerage, and reinvestment happens in fractional shares — a $34 quarterly distribution buys 0.4 shares of an $85 ETF rather than sitting idle until you can afford a whole one. Fractional reinvestment matters more than it sounds: with whole-share-only reinvestment, small positions leave most dividends uninvested for months, muting exactly the compounding a DRIP exists to capture. Automatic fractional DRIP keeps every dollar working from the payment date.
This tool is for educational and informational purposes only and does not constitute investment, financial, tax, or legal advice. Consult a licensed professional before making investment decisions.
Past performance does not guarantee future results. All projections are hypothetical estimates based on user-provided inputs and may differ materially from actual outcomes.
By using this tool you agree to our Terms of Service and Privacy Policy.