Simulation results: Strategy: 360.7K, Cash: 333.2K, Difference: 8.2%
No external APIs
Single-stock DRIP simulator (offline)
Set dividend yield, payout frequency, dividend growth, and price growth. See how share count, net dividends, and yield-on-cost evolve when you reinvest payouts.
Simulation inputs
Your strategy
PLN 360,691
Total wealth
0% reinvestment
PLN 333,202
Total wealth
Strategy advantage
Total wealth delta: PLN 27,489 (8.2%).
Portfolio value
PLN 360,691
Withdrawn cash
PLN 0
Net dividends
PLN 77,421
Shares
2,252.86
Annual net dividend
PLN 14,045
Yield on cost (net)
6.9%
Portfolio value year by year
- Your strategy
- 0% reinvestment
Show chart data
| Year | Your strategy | 0% reinvestment |
|---|---|---|
| 1 | PLN 47,290 | PLN 45,910 |
| 2 | PLN 65,946 | PLN 62,457 |
| 3 | PLN 86,089 | PLN 79,665 |
| 4 | PLN 107,850 | PLN 97,562 |
| 5 | PLN 131,373 | PLN 116,174 |
| 6 | PLN 156,815 | PLN 135,532 |
| 7 | PLN 184,350 | PLN 155,663 |
| 8 | PLN 214,166 | PLN 176,600 |
| 9 | PLN 246,470 | PLN 198,374 |
| 10 | PLN 281,489 | PLN 221,019 |
| 11 | PLN 319,472 | PLN 244,570 |
| 12 | PLN 360,691 | PLN 269,063 |
Yearly table: Your strategy
Year 1
- Portfolio
- PLN 47,290
- Net dividends
- PLN 1,348
- Shares
- 454.71
More details
- Price
- PLN 104
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 1,657
- Net YOC
- 3.7%
Year 2
- Portfolio
- PLN 65,946
- Net dividends
- PLN 2,006
- Shares
- 609.71
More details
- Price
- PLN 108
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 2,334
- Net YOC
- 4.0%
Year 3
- Portfolio
- PLN 86,089
- Net dividends
- PLN 2,729
- Shares
- 765.33
More details
- Price
- PLN 112
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 3,076
- Net YOC
- 4.2%
Year 4
- Portfolio
- PLN 107,850
- Net dividends
- PLN 3,522
- Shares
- 921.90
More details
- Price
- PLN 117
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 3,890
- Net YOC
- 4.4%
Year 5
- Portfolio
- PLN 131,373
- Net dividends
- PLN 4,392
- Shares
- 1,079.79
More details
- Price
- PLN 122
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 4,784
- Net YOC
- 4.7%
Year 6
- Portfolio
- PLN 156,815
- Net dividends
- PLN 5,347
- Shares
- 1,239.33
More details
- Price
- PLN 127
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 5,765
- Net YOC
- 5.0%
Year 7
- Portfolio
- PLN 184,350
- Net dividends
- PLN 6,395
- Shares
- 1,400.91
More details
- Price
- PLN 132
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 6,843
- Net YOC
- 5.2%
Year 8
- Portfolio
- PLN 214,166
- Net dividends
- PLN 7,547
- Shares
- 1,564.89
More details
- Price
- PLN 137
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 8,026
- Net YOC
- 5.5%
Year 9
- Portfolio
- PLN 246,470
- Net dividends
- PLN 8,811
- Shares
- 1,731.67
More details
- Price
- PLN 142
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 9,326
- Net YOC
- 5.8%
Year 10
- Portfolio
- PLN 281,489
- Net dividends
- PLN 10,199
- Shares
- 1,901.64
More details
- Price
- PLN 148
- Net withdrawals
- PLN 0
- Annual net dividend
- PLN 10,753
- Net YOC
- 6.2%
- Showing 10 of 12
| Year | Portfolio | Net dividends | Shares | Price | Net withdrawals | Annual net dividend | Net YOC |
|---|---|---|---|---|---|---|---|
| 1 | PLN 47,290 | PLN 1,348 | 454.71 | PLN 104 | PLN 0 | PLN 1,657 | 3.7% |
| 2 | PLN 65,946 | PLN 2,006 | 609.71 | PLN 108 | PLN 0 | PLN 2,334 | 4.0% |
| 3 | PLN 86,089 | PLN 2,729 | 765.33 | PLN 112 | PLN 0 | PLN 3,076 | 4.2% |
| 4 | PLN 107,850 | PLN 3,522 | 921.90 | PLN 117 | PLN 0 | PLN 3,890 | 4.4% |
| 5 | PLN 131,373 | PLN 4,392 | 1,079.79 | PLN 122 | PLN 0 | PLN 4,784 | 4.7% |
| 6 | PLN 156,815 | PLN 5,347 | 1,239.33 | PLN 127 | PLN 0 | PLN 5,765 | 5.0% |
| 7 | PLN 184,350 | PLN 6,395 | 1,400.91 | PLN 132 | PLN 0 | PLN 6,843 | 5.2% |
| 8 | PLN 214,166 | PLN 7,547 | 1,564.89 | PLN 137 | PLN 0 | PLN 8,026 | 5.5% |
| 9 | PLN 246,470 | PLN 8,811 | 1,731.67 | PLN 142 | PLN 0 | PLN 9,326 | 5.8% |
| 10 | PLN 281,489 | PLN 10,199 | 1,901.64 | PLN 148 | PLN 0 | PLN 10,753 | 6.2% |
| 11 | PLN 319,472 | PLN 11,725 | 2,075.23 | PLN 154 | PLN 0 | PLN 12,321 | 6.5% |
| 12 | PLN 360,691 | PLN 13,400 | 2,252.86 | PLN 160 | PLN 0 | PLN 14,045 | 6.9% |
Assumptions (important)
- Dividend yield is gross at the start. Dividend per share = price × yield.
- Dividend growth is applied once per year (at the start of each following year).
- Price growth compounds monthly: (1+R)^(1/12) - 1.
- Dividend payouts: monthly (every month), quarterly (1/4/7/10), yearly (month 9).
- Monthly contributions are invested at the start of the month and qualify for that month’s dividend.
- If fractional shares are disabled, leftover cash stays as a cash balance (no interest).
What the simulator shows
Share count: reinvesting payouts
Track how DRIP increases your ownership without adding capital.
DRIP vs cash: wealth comparison
Total wealth = portfolio value + withdrawn net cash.
Year by year: table + charts
Quickly validate compounding and income growth.