Compare taking dividends as cash against reinvesting them back into the portfolio.
How to read the results
Reinvesting is modelled by adding the yield to total return and compounding monthly.
Dividend reinvestment calculator
Compare taking dividends as cash against reinvesting them back into the portfolio.
Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
3.0%
5.0%
20 yr
With dividends reinvested
$295,608
Taking dividends as cash
$159,198
- Extra from reinvesting
- $136,410
- Uplift
- 85.7%
- Final yield on original cost
- 14.8%
Reinvesting is modelled as adding the yield to total return, with no dividend tax drag.
Methodology
Reinvesting is modelled by adding the yield to total return and compounding monthly.
- · No dividend tax drag
- · Steady yield and growth
Estimates only. Nothing here is financial advice. Spotted something wrong? Tell us and it gets fixed.