Calculator

Dividend reinvestment calculator

Estimate how reinvesting dividends can change the compounding path of a market-level income strategy. Adjust yield, dividend growth, annual savings, and time horizon.

This seed version assumes annual reinvestment and no trading friction.

Market

Initial amount

Annual contribution

Years

Current yield

Dividend growth

Price growth

This version assumes all dividends are reinvested once per year.

Ending balance

SGD 87,260

Includes price growth and reinvested dividends.

Year-one income

SGD 590

Income generated before any reinvestment lift.

Final-year income

SGD 4,647

Illustrative income run rate at the end of the model.

Yield on cost

11.91%

Final-year income divided by total contributed capital.

Why reinvestment changes the curve

Reinvestment compounds on top of both market growth and future dividend payments. The later years usually create the steepest income acceleration.

Total contributed

SGD 39,000

Net dividends reinvested

SGD 24,335

Total return

123.74%

Year	Start	Dividends added	End
1	SGD 15,000	SGD 629	SGD 18,404
2	SGD 18,404	SGD 784	SGD 22,121
3	SGD 22,121	SGD 960	SGD 26,185
4	SGD 26,185	SGD 1,161	SGD 30,636
5	SGD 30,636	SGD 1,389	SGD 35,522
6	SGD 35,522	SGD 1,648	SGD 40,893
7	SGD 40,893	SGD 1,943	SGD 46,809
8	SGD 46,809	SGD 2,280	SGD 53,337
9	SGD 53,337	SGD 2,663	SGD 60,552
10	SGD 60,552	SGD 3,102	SGD 68,542
11	SGD 68,542	SGD 3,602	SGD 77,407
12	SGD 77,407	SGD 4,175	SGD 87,260