Lightning mode

Dividend lightning calculator

An experience inspired by Dywidenciarz guides: concise parameters, results on a single screen and instant access to the numbers.

Three scenarios

Compare no reinvestment, full DRIP and a blended approach.

Extra contributions

Add recurring or one-off top-ups in the same currency as your investment.

Live results

Every change updates the dividend forecast instantly.

How to use the calculator

A short checklist mirrors our educational guides. Fill the fields from top to bottom and the results table will refresh automatically.

  1. Enter the share price, annual dividend and the number of shares you hold.
  2. Set the investment horizon and decide whether you reinvest payouts.
  3. Add extra contributions to see how regular top-ups change the outcome.

Configuration

Enter portfolio parameters

The form mirrors the main calculator but the simplified layout keeps every field in view.

📈 Dividend inputs

%
%
PLN
Long-term projection

🔄 Reinvestment

%
Extra contributions

💰 Additional investments

ℹ️

Additional investments let you simulate regular contributions throughout the plan.

Leave the amount empty or 0 if you do not plan extra contributions. The amount uses the same currency as the main investment.

Results

Dividend outlook

Two insight cards summarise the projection once you fill out the form. Adjust any input to refresh the recommendations in real time.

Reinvestment lifts your dividend yield

With DRIP the effective yield rises to 5.03% (vs 3.65% with cash payouts). Use the lift to buy more resilient companies.

Compounding becomes visible after a few years – review the effective yield progression section.

You already have a passive income base

Current projections show monthly dividends of 219 zł and annual payouts of 2623 zł.

Match the amount against your monthly expenses to gauge coverage.

152 zł
From the first month
219 zł
With reinvestment

Key outcomes

Final portfolio (with reinvestment)
71 950 zł
Total profit
21 950 zł

📉 Inflation-adjusted values (purchasing power)

Final portfolio (real terms)
59 024 zł
After 10 years at 2,0% inflation
Reinvestment benefit (real terms)
3056 zł
Additional purchasing power
Remember: inflation reduces future payouts – set a realistic inflation rate.
3,65%
Net simple yield
5,03%
Dividend reinvestment only
43,9%
Total percentage return
⚠️

Key calculation limitations

The calculator ignores share price growth. The projection focuses solely on dividends reinvested at a flat share price.

Real portfolio value may be higher or lower as share prices fluctuate over time.

How to read charts and tables

Annual gross income
Shows whether the portfolio can cover your yearly expenses after the 19% tax.
Monthly stream
The average payout helps you match dividends with bills or loan payments.
Dividend yield
Compare it with inflation – a positive real result means growing purchasing power.

Why this approach works

The summary distils our passive income articles: clear inputs, instant feedback and scenario comparison save time when planning dividends.

The form and results reuse the full calculator components so your data stays consistent across the Dywidenciarz ecosystem.

Dywidenciarz

Dividend portfolio planning tool with precise projections and monthly income analytics.

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🤝 You receive €5 back as a trading voucher.

Find us

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ChangelogVersion 3.11.3

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