Calculateur de Dividendes
Modélisez l'effet boule de neige du réinvestissement automatique des dividendes (DRIP) pour propulser votre rente financière passive.
Lisez aussi: Guide complet du calculateur, Intérêts composés expliqués, Guide DCA
Comment ça marche
A dividend snowball calculator projects income and share count when dividends reinvest through a DRIP over your contribution horizon.
Le réinvestissement automatique (DRIP) consiste à allouer directement vos dividendes perçus à l'achat de nouvelles actions. En augmentant votre volume de titres, vous maximisez la distribution de vos rentes futures de façon autonome.
Effet boule de neige dividendes
La boule de neige de dividendes réinvestit les paiements pour acheter plus d'actions et accélérer les revenus. ETFs US (SCHD, VYM, DGRO) diversifient vs actions seules.
Le yield on cost peut dépasser le yield affiché—modélisez capital, yield et apports.
Comparez aux intérêts composés si vous n'avez pas besoin de revenu courant—indices totaux composent sans focus dividendes.
Guide, exemples et méthodologie
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.
Related calculators
- Calculateur d'Intérêts Composés
- Calculateur DCA
- Calculateur d'Emprunt sur Plan Epargne Retraite (PER / 401k)
- Calculateur Retraite
Questions fréquentes
Qu'est-ce que le Yield on Cost (YOC) ?
Le Yield on Cost exprime le ratio de dividende actuel rapporté au capital d'achat de départ. Quand l'entreprise augmente son dividende, votre rendement sur coût d'achat grimpe fortement.
Quel revenu passif avec 100 000 € en actions à dividendes ?
À 4 % de rendement, environ 4 000 €/an ; avec réinvestissement, bien plus.
Réinvestir les dividendes ou les encaisser ?
Réinvestir sur long terme ; encaisser si vous avez besoin de revenus maintenant.
Rendement du dividende vs rendement sur coût ?
Rendement actuel vs rendement sur prix d'achat.