Dividend Calculator for Monthly Passive Income: Estimate the initial investment in dividend stocks or ETFs needed to achieve your desired monthly cashflow after taxes. Input ticker, target cashflow, share price, dividend & payout frequency, and years to calculate portfolio growth, taxes, and DRIP strategy.
Divs/Year (Pre-tax):
Divs/Year (After-tax):
Portfolio Value:
Total Taxes Paid:
Pre-tax Breakdown:
| Year | Start Value | Start Shares | Share Price | Div/Share | Yield | Yield on Cost | Yearly Div | Total Div | DRIP | New Shares | End Shares | End Value |
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Understand Your Dividend Cashflow Potential
Our Dividend Cashflow Calculator estimates the initial investment needed to generate your target monthly cashflow from dividend stocks or ETFs, factoring in taxes, dividend reinvestment (DRIP), and buffers for dividend cuts. Explore how dividends can support expenses like mortgages or car loans over time.
This is not financial advice; results are not guaranteed and are merely estimates.
* Notice for YieldMax or High Yield ETFs
For YieldMax or High Yield ETFs (e.g., MSTY, ULTY), adjust Dividend CAGR and Share Price CAGR to reflect higher volatility and risk. These ETFs may have higher yields but larger price fluctuations & large declines in Dividends & Share Price, so adjust CAGR values to ensure realistic projections.
How to Use the Dividend Cashflow Calculator
1. Input a stock or ETF ticker (e.g., SCHD, MO, MSTY, ULTY) or use defaults.
2. Enter your desired monthly cashflow (e.g., $1000 for car loan or mortgage).
3. Set a buffer percentage for dividend cuts (e.g., 15%) to protect against reductions.
4. Specify DRIP allocation for reinvestment (e.g., 15%) to compound returns.
5. Enter tax rate (e.g., 20%) to account for taxes on dividends.
6. Set years (e.g., 10) for the investment horizon.
7. Input share price (e.g., $59.07) for the stock or ETF.
8. Enter dividend amount (e.g., $1.02 per share) for the per-payout dividend.
9. Select payout frequency (e.g., Quarterly, Monthly, Weekly) for dividend payments.
10. Adjust Dividend CAGR (e.g., 7.83%) for expected dividend growth.
11. Adjust Share Price CAGR (e.g., 3.57%) for expected price growth.
12. Click “Calculate” to view the required initial investment, yearly dividends (pre- and after-tax), portfolio value, taxes paid, and breakdown.
13. Analyze the chart and table for yearly dividend and portfolio projections.
Calculator Benefits
This tool models dividend scenarios without offering financial advice:
– Estimates initial investment for your cashflow goal after taxes.
– Accounts for DRIP to simulate portfolio compounding.
– Includes buffer for dividend cut scenarios.
– Projects dividend and share price growth (CAGR) over time.
Calculator Features
– Supports real-time ticker data for stocks and ETFs.
– Customizable inputs: cashflow, tax rate, years, and dividend settings.
– Detailed outputs: initial investment, dividends, taxes, and portfolio value.
– Visual charts for tracking dividend and portfolio growth.
– Admin debug mode for advanced analysis (if enabled).
Legal Disclaimer
This calculator is for informational and educational purposes only and does not constitute investment advice. It uses hypothetical scenarios and user inputs to estimate outcomes. Dividend payments, stock prices, and tax rates are subject to change and market risks. Consult a qualified financial advisor before making investment decisions. We are not responsible for any financial losses or decisions made based on this tool.
