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.

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Total wealth = portfolio value + withdrawn net cash.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.

Simulation inputs

This models one stock/ETF. You enter the share price and dividend yield, then we compute dividend per share and reinvested shares.

Starting capital

Initial investment (PLN)

PLN 30,000

Share price

Starting price (PLN)

PLN 100

Monthly top-ups

Regular contributions (PLN)

PLN 1,200

Horizon (years)

How long you compound

Dividend yield (gross)

Annual, %

4.5%

Annual dividend per share (gross)

PLN 5

Payout frequency

Monthly / quarterly / yearly

Fractional shares

Whether fractional shares are allowed

Dividend growth

Annual, %

5.0%

Price growth

Annual, %

4.0%

Dividend tax

Rate, %

19.0%

Reinvest dividends

How much of net dividends is reinvested (0–100%)

100.0%

Results: strategy vs cash

We compare your reinvestment rate against a 0% baseline (cash withdrawals). Total wealth includes the portfolio plus withdrawn net cash.

Total wealth

PLN 360,691

Your strategy

Total wealth

PLN 333,202

0% reinvestment

Strategy advantage

Total wealth delta: PLN 27,489 (8.2%).

Portfolio value

PLN 360,691

Withdrawn cash

PLN 0

Net dividends

PLN 77,421

2252.86

Annual net dividend

PLN 14,045

Yield on cost (net)

6.9%

Ładowanie wykresów...

Przygotowujemy podgląd rok po roku

Yearly table

Year	Shares	Price	Portfolio	Net dividends	Net withdrawals	Annual net dividend	Net YOC
1	454.71	PLN 104	PLN 47,290	PLN 1,348	PLN 0	PLN 1,657	3.7%
2	609.71	PLN 108	PLN 65,946	PLN 2,006	PLN 0	PLN 2,334	4.0%
3	765.33	PLN 112	PLN 86,089	PLN 2,729	PLN 0	PLN 3,076	4.2%
4	921.90	PLN 117	PLN 107,850	PLN 3,522	PLN 0	PLN 3,890	4.4%
5	1079.79	PLN 122	PLN 131,373	PLN 4,392	PLN 0	PLN 4,784	4.7%
6	1239.33	PLN 127	PLN 156,815	PLN 5,347	PLN 0	PLN 5,765	5.0%
7	1400.91	PLN 132	PLN 184,350	PLN 6,395	PLN 0	PLN 6,843	5.2%
8	1564.89	PLN 137	PLN 214,166	PLN 7,547	PLN 0	PLN 8,026	5.5%
9	1731.67	PLN 142	PLN 246,470	PLN 8,811	PLN 0	PLN 9,326	5.8%
10	1901.64	PLN 148	PLN 281,489	PLN 10,199	PLN 0	PLN 10,753	6.2%
11	2075.23	PLN 154	PLN 319,472	PLN 11,725	PLN 0	PLN 12,321	6.5%
12	2252.86	PLN 160	PLN 360,691	PLN 13,400	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).