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Goal planning

Plan your net dividend or target portfolio value

Enter starting capital, growth assumptions, and contribution cadence to see how fast you can reach the target. The calculator compares reinvestment with immediate dividend withdrawals.

Goal type

If you're aiming for a dividend, provide the annual income after the Belka tax.

Single contribution amount converted to an annual total.

yrs

You reinvest dividends

8 years 2 mo

Time to goal

100%

Reinvesting shortens the timeline by about 2.8 years.

Reinvest versus withdraw

You reinvest dividends

Time to goal

Goal achieved: 8 years 2 mo

Portfolio value

PLN 546,388

Net annual dividend

PLN 36,257

Progress toward goal

100%

Goal achieved

You withdraw dividends

Time to goal

Goal achieved: 10 years 11 mo

Portfolio value

PLN 475,838

Net annual dividend

PLN 36,110

Progress toward goal

100%

Goal achieved

With regular contributions of PLN 18,000 per year (monthly) and starting capital of PLN 150,000, see what makes the biggest difference.

Show the yearly forecastRounded to full PLN. Compare how the portfolio and dividends diverge between strategies.

Yearly net dividend versus goal

Loading chart
  • Reinvesting
  • Withdrawing
Show chart data
Yearly net dividend versus goal
YearReinvestingWithdrawing
1PLN 8,515PLN 8,157
2PLN 10,677PLN 9,811
3PLN 13,230PLN 11,662
4PLN 16,248PLN 13,731
5PLN 19,823PLN 16,039
6PLN 24,068PLN 18,613
7PLN 29,119PLN 21,478
8PLN 35,144PLN 24,664
9PLN 42,354PLN 28,204
10PLN 0PLN 32,133
11PLN 0PLN 36,490

Year-by-year forecast

  • Year 1

    Portfolio (reinvested)
    PLN 182,041
    Net dividend (reinvested)
    PLN 8,515
    More details
    Portfolio (no reinvestment)
    PLN 174,388
    Net dividend (no reinvestment)
    PLN 8,157

  • Year 2

    Portfolio (reinvested)
    PLN 217,384
    Net dividend (reinvested)
    PLN 10,677
    More details
    Portfolio (no reinvestment)
    PLN 199,751
    Net dividend (no reinvestment)
    PLN 9,811

  • Year 3

    Portfolio (reinvested)
    PLN 256,524
    Net dividend (reinvested)
    PLN 13,230
    More details
    Portfolio (no reinvestment)
    PLN 226,129
    Net dividend (no reinvestment)
    PLN 11,662

  • Year 4

    Portfolio (reinvested)
    PLN 300,048
    Net dividend (reinvested)
    PLN 16,248
    More details
    Portfolio (no reinvestment)
    PLN 253,561
    Net dividend (no reinvestment)
    PLN 13,731

  • Year 5

    Portfolio (reinvested)
    PLN 348,646
    Net dividend (reinvested)
    PLN 19,823
    More details
    Portfolio (no reinvestment)
    PLN 282,091
    Net dividend (no reinvestment)
    PLN 16,039

  • Year 6

    Portfolio (reinvested)
    PLN 403,141
    Net dividend (reinvested)
    PLN 24,068
    More details
    Portfolio (no reinvestment)
    PLN 311,763
    Net dividend (no reinvestment)
    PLN 18,613

  • Year 7

    Portfolio (reinvested)
    PLN 464,514
    Net dividend (reinvested)
    PLN 29,119
    More details
    Portfolio (no reinvestment)
    PLN 342,621
    Net dividend (no reinvestment)
    PLN 21,478

  • Year 8

    Portfolio (reinvested)
    PLN 533,939
    Net dividend (reinvested)
    PLN 35,144
    More details
    Portfolio (no reinvestment)
    PLN 374,713
    Net dividend (no reinvestment)
    PLN 24,664
  • Showing 8 of 11 years
Target a net dividend or portfolio value

Decide whether you're aiming for a post-tax income amount or a specific capital value.

Reinvestment versus cash flow

Compare timelines when reinvesting dividends versus taking them as cash.

Growth scenarios

Layer in price appreciation and dividend growth to model dividend-growth companies.

What next

What-if simulatorSee what shortens the road to the goal: contributions, yield, growth.
Broker for dividendsWhere to buy dividend stocks. Includes a referral link.