A dividend snowball calculator projects income and share count when dividends reinvest through a DRIP over your contribution horizon.
Die kontinuierliche Wiederanlage von Gewinnbeteiligungen (Ausschüttungen) in weitere Anteile führt zu einer deutlichen Beschleunigung des Zinseszinseffekts im Depot. Aus kleinen Nebenerträgen entsteht so ein nennenswerter Geldstrom.
Dividenden-Snowball
Dividenden-Schneeball reinvestiert Ausschüttungen für mehr Aktien und schnelleres Einkommen. US-ETFs (SCHD, VYM, DGRO) diversifizieren gegen Einzelaktien.
Yield on cost kann über dem Headline-Yield steigen—Startkapital, Yield und Einzahlungen modellieren.
Mit Zinseszins vergleichen wenn kein laufendes Einkommen nötig—Total-Market-Indizes compounden ohne Dividendenfokus.
Leitfaden, Beispiele und Methodik
How to use this dividend snowball calculator
Enter starting shares or value, expected dividend yield, annual dividend growth, optional monthly contributions, and reinvestment (DRIP). The calculator projects income and share count over your horizon—useful for VOO, SCHD, or individual dividend stocks.
Example (USD)
Input
Value
Year-10 snapshot (illustrative)
Starting portfolio
$25,000
—
Yield
3.2%
—
DRIP on
Yes
Income + reinvested shares compound
Monthly add
$200
Accelerates snowball
DRIP vs take cash
Reinvesting dividends buys more shares, which generate more dividends—a snowball effect. Taking cash raises spendable income but slows compounding. Compare both in the calculator before changing your brokerage DRIP setting.
Yield on cost vs current yield
Current yield = annual dividend ÷ today's price. Yield on cost = annual dividend ÷ your average purchase price. A stock yielding 2% today might pay 6–8% on cost after a decade of dividend growth and reinvestment—this calculator projects that path using your growth and contribution assumptions.
US dividend tax context (simplified)
Qualified dividends in taxable accounts often receive preferential long-term capital gains rates if holding period rules are met; ordinary dividends are taxed as income. In IRAs and 401(k)s, tax is deferred or eliminated (Roth) until withdrawal. This calculator does not subtract dividend tax—reduce your return assumption if modeling a taxable account.
Who this fits
Income-focused retirees, FIRE investors building passive cash flow, and index investors comparing SCHD, VYM, or dividend aristocrats against total-market compounding. Cross-check with compound interest calculator if the goal is total return rather than income stream.
Dividend ETFs vs single stocks
Broad dividend ETFs (SCHD, VYM, DGRO) spread sector and single-name risk versus owning a handful of aristocrats. Single stocks can yield more but concentrate business risk—one dividend cut can stall your snowball. Use this calculator with conservative growth assumptions for ETFs (often 5–7% dividend growth historically for quality funds) and lower growth for high-yield single names.
Payout ratio and dividend safety
Sustainable dividends usually come from companies paying out a fraction of earnings (payout ratio). Ratios above 80–90% on cyclical businesses signal cut risk. Before you model 5% yield forever, check whether the business can grow earnings to support rising payouts—this tool projects your inputs; it does not score dividend safety.
Das YOC misst die Dividendenrendite auf der Basis des ursprünglich gezahlten Kaufpreises. Wenn Unternehmen Dividenden erhöhen, steigt die persönliche Rendite bezogen auf das eingezahlte Kapital.
Wie viel Passivincome aus 100.000 € Dividendenaktien?
Bei 4 % Startrendite ca. 4.000 €/Jahr; mit Reinvestition und Wachstum deutlich mehr.
Dividenden reinvestieren oder auszahlen?
Reinvestieren für lange Laufzeiten; Auszahlung bei Bedarf an Einkommen.
Dividendenrendite vs Yield on Cost?
Aktuelle Dividendenrendite vs. Rendite auf Einstandskosten.