Free DRIP calculator — see how reinvesting dividends compounds
Use this free dividend reinvestment calculator to compare DRIP vs cash on any stock or ETF. Built on real historical prices and dividend payments.
Free DRIP calculator — try it now
With DRIP (reinvested)
£377,103
Annual income at year 20: £40,918
Taking cash
£125,510 portfolio
+ £90,670 taken as cash
Total: £216,180
DRIP advantage
£160,923
Real historical data
Actual prices and ex-dividend dates per holding.
DRIP vs cash
See the compounding gap side by side.
Any stock or ETF
Works on US, UK, and European tickers.
How the DRIP calculator works
Enter a stock or ETF, an initial investment amount and a date range. The calculator pulls the security's real closing prices and dividend history, then simulates two paths in parallel — one where every dividend is reinvested into new shares at the ex-dividend day's close, and one where dividends accumulate as cash. You see both ending values, the dividends collected, and the full compounding curve.
Why dividend reinvestment matters
Reinvesting dividends turns small payouts into a snowball: each new share earns dividends of its own, and those dividends buy still more shares. Over 10, 20 or 30 years, the gap between DRIP and cash can be enormous — even on stocks with a modest starting yield.
Frequently asked questions
What is a DRIP calculator?
A DRIP calculator (Dividend Reinvestment Plan calculator) models what happens when every dividend you receive is automatically used to buy more shares of the same stock — and compares it to taking the cash.
Is this DRIP calculator free?
Yes — the DRIP calculator is completely free to use, no signup required. Save your results to your portfolio by creating a free account.
What inputs does the DRIP calculator need?
Pick a stock or ETF, enter an initial investment amount and a date range. The calculator pulls real historical prices and dividend payments to run the simulation.
How accurate is the DRIP calculator?
It uses actual historical closing prices and ex-dividend dates for each holding, so results reflect what would really have happened over the period you choose.