See the real impact of reinvesting your dividends
Compare DRIP vs cash on every holding. Watch how reinvestment compounds your shares, income and portfolio value over 5, 10 and 30 years.
Free DRIP simulator — compare reinvesting vs cash
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
Side-by-side comparison
DRIP vs cash, same starting point.
Real dividend data
Uses each stock's actual yield and growth.
Long-term projection
Visualise compounding decades into the future.
Why dividend reinvestment matters
Reinvesting dividends turns small payouts into a snowball: each new share earns dividends of its own, and those dividends buy more shares. Over decades, the compounding gap between DRIP and cash can be enormous — even when the underlying yield looks modest.
What you can model
- Full DRIP across the portfolio, or selective DRIP per stock.
- Assumed dividend growth rates.
- Additional monthly contributions on top.
- Total return, income trajectory and share count growth.
Frequently asked questions
What is a DRIP?
A Dividend Reinvestment Plan (DRIP) automatically uses cash dividends to buy more shares of the same stock — compounding your position over time.
Is DRIP always better than cash?
Not always. DRIP accelerates compounding, but cash gives flexibility. Our simulator lets you compare both side by side on your own portfolio.
Can I model partial reinvestment?
Yes — adjust the reinvestment rate per holding to model real-world scenarios like taking some income while reinvesting the rest.