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.
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.
Define the goal, growth rates, and contribution strategy. You can adjust every value on the fly.
If you're aiming for a dividend, provide the annual income after the Belka tax.
Use a negative value to simulate market drawdowns.
Useful for dividend-growth companies increasing payouts each year.
Single contribution amount converted to an annual total.
See how quickly you reach your goal with reinvested dividends versus immediate withdrawals. Values update in real time.
You reinvest dividends
Time to goal
8 years and 2 mo.
Portfolio value
546 388 zł
Net annual dividend
36 257 zł
Goal achieved
You withdraw dividends
Time to goal
10 years and 11 mo.
Portfolio value
475 838 zł
Net annual dividend
36 110 zł
Goal achieved
With regular contributions of 18 000 zł per year (monthly) and starting capital of 150 000 zł, see what makes the biggest difference.
Reinvestment
After 8 years and 2 mo. the portfolio can generate 36 257 zł net per year.
No reinvestment
After 10 years and 11 mo. the portfolio accumulates 475 838 zł and pays 36 110 zł net per year.
Rounded to full PLN. Compare how the portfolio and dividends diverge between strategies.
| Year | Portfolio (reinvested) | Net dividend (reinvested) | Portfolio (no reinvestment) | Net dividend (no reinvestment) |
|---|---|---|---|---|
| 1 | 182 041 zł | 8515 zł | 174 388 zł | 8157 zł |
| 2 | 217 384 zł | 10 677 zł | 199 751 zł | 9811 zł |
| 3 | 256 524 zł | 13 230 zł | 226 129 zł | 11 662 zł |
| 4 | 300 048 zł | 16 248 zł | 253 561 zł | 13 731 zł |
| 5 | 348 646 zł | 19 823 zł | 282 091 zł | 16 039 zł |
| 6 | 403 141 zł | 24 068 zł | 311 763 zł | 18 613 zł |
| 7 | 464 514 zł | 29 119 zł | 342 621 zł | 21 478 zł |
| 8 | 533 939 zł | 35 144 zł | 374 713 zł | 24 664 zł |