The all-in-one dividend toolkit. DRIP projections, income planning, yield tracking, and tax estimates — everything you need to build compound passive income.
Four powerful calculators, one dashboard. Pick your tool and watch your numbers grow.
Built by investors, for investors. No fluff — just compound growth.
See exactly how reinvested dividends compound your wealth over 5, 10, or 30 years. Watch the snowball grow with interactive projections.
Know exactly how much you need invested to replace your salary. Reverse-engineer your path to financial independence.
Watch your effective yield grow as companies raise dividends year after year. The metric long-term holders live by.
Qualified vs. ordinary dividends, NIIT thresholds, filing status — see your real after-tax dividend income.
Three steps to compound wealth
Invest in quality dividend stocks or ETFs. Start with any amount — the size doesn't matter yet.
Reinvest dividends to buy more shares. Each share earns more dividends. The compounding begins.
Over time, your dividend income accelerates. What started small becomes an avalanche of passive income.
The snowball effect is the most powerful force in dividend investing. When you reinvest your dividends to buy more shares, those new shares generate their own dividends — which buy even more shares. Over long periods, this compounding cycle can turn modest investments into significant wealth.
A Dividend Reinvestment Plan (DRIP) automatically uses your dividend payments to purchase additional shares. Instead of taking cash, you're constantly growing your position. Historical data shows that reinvested dividends have accounted for over 80% of the S&P 500's total return since 1960. That's the snowball in action.
Yield on Cost (YOC) measures your dividend yield based on what you originally paid, not today's market price. If you bought a stock at $50 that now pays $4 per year, your YOC is 8% — even if the current market yield is only 3%. Patient investors who hold quality dividend growers often see their YOC reach double digits over a decade.
The IRS taxes dividends differently based on their classification. Qualified dividends receive preferential rates of 0%, 15%, or 20%, similar to long-term capital gains. Ordinary dividends — common with REITs and money market funds — are taxed at your regular income rate, up to 37%. Understanding this distinction can save you thousands.
Your "freedom number" is the portfolio size needed to generate enough after-tax dividend income to cover your living expenses. Our Income Planner reverse-engineers this number based on your target monthly income, expected yield, and tax rate — then shows you exactly how many years it'll take to get there.