DywidenciarzDywidenciarz
Dividend simulation

Start with a quick portfolio projection

Provide a few inputs to understand how passive income grows when you reinvest dividends.

zł
zł
%
%
zł
%

forwardCalculator.inputs.inflationRate.inflationNote

Results refresh instantly. The core inputs are enough to grasp how fast the portfolio can grow.

Why investors start here

One page that moves you from idea to action

The forward calculator is the heart of Dywidenciarz. Enter a handful of numbers to see your passive income potential, then follow the next sections to turn the simulation into a concrete plan.

A quick dive into dividend investing

See how payouts grow over time and how reinvesting changes the curve – without building complex spreadsheets.

Polish tax and inflation context

We apply the Belka tax and real inflation figures by default so every scenario reflects the reality of a Polish investor.

Next steps in one place

Jump straight to the full dividend planner, FIRE calculators, or debt analysis tools when you are ready to go deeper.

🔗 Next steps

Turn the simulation into a complete financial plan

Once you have the first numbers, reach for our specialised calculators. Each one extends the forward calculator with extra scenarios and data layers.

📚 Knowledge on demand

Key concepts before you invest your first złoty

We do not leave you with raw numbers only. Explore the quick guides and glossary to make sure every calculator input is clear.

A dividend is a share of a company's profits, paid out to its shareholders. It's like receiving a slice of the cake the company baked from its profits. If you own shares of a company that pays dividends, you receive cash in your account on a regular basis.

How does it work in practice? Imagine you bought 100 shares of a company for 100 złoty each. If the company pays a dividend of 5 złoty per share annually, you'll receive 500 złoty in dividends (100 shares × 5 zł = 500 zł). That's your passive income!

Why do companies pay dividends? Mature businesses with stable profits share them with shareholders instead of reinvesting everything in growth. It's their way of rewarding shareholders for their trust and investment.

💡Remember: In Poland dividends are taxed at 19%. That means from every 100 złoty of dividends you receive 81 złoty in your account.

A stock is a small piece of a company, which you can buy to become a co-owner. When you buy shares of Apple, Microsoft, or Polish companies, you become a small shareholder. The more shares you own, the larger your ownership stake.

How do you earn money on stocks? In two ways: first, the price of the stock can rise (buy at 100 zł, sell at 150 zł = 50 zł profit). Second, a company can pay dividends—regular payments to shareholders from its profits.

Where can you buy stocks? In Poland you buy stocks through licensed brokers. You can invest in Polish companies listed on the Warsaw Stock Exchange or foreign firms—American, German, and more.

⚠️Important: Stock prices fluctuate daily. You can make money, but you can also lose it. Never invest money you cannot afford to lose.

An ETF is like a basket filled with different stocks, which you can buy with a single click. Instead of purchasing 500 American companies one by one, you buy one S&P 500 ETF and instantly own a small piece of each company.

Why are ETFs popular? Because they give you instant diversification. Instead of betting everything on one company, you spread your risk across hundreds. If one company struggles, the other 499 can keep growing.

Examples of popular ETFs: VWCE (global equities), VTI (all U.S. companies), VUSA (the 500 largest U.S. firms). There are also dividend-focused ETFs like VYM or SCHD that invest primarily in companies paying high dividends.

✅ETF advantages: Low costs (often below 0.2% annually), automatic diversification, no need to pick individual stocks.

Reinvestment means using your dividends to buy more shares instead of spending them on everyday needs. It's like planting apple trees—instead of eating every apple, you save some seeds to grow more trees.

How does compound interest work? In the first year you receive 1000 zł in dividends. Instead of spending it, you buy more shares. In year two those new shares also pay dividends. In year three you own even more shares. After 20 years your portfolio can be 2–3 times larger!

When should you stop reinvesting? Most investors reinvest dividends in their younger years (20–50) to build capital. As they approach retirement, they stop reinvesting and start living off the dividend income.

With reinvestment (DRIP)

100,000 zł → 20 years → approx. 220,000 zł

Without reinvestment

100,000 zł → 20 years → 100,000 zł + 80,000 zł in payouts

⚠️Warning: Dividend reinvestment involves investment risk. Your portfolio value can go down, and future dividends are not guaranteed. The examples shown are for education only and do not constitute investment advice.

Dywidenciarz

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

Quick links

💡 DEGIRO referral

Start investing with DEGIRO

🎯 I receive €50 when you open an account and generate at least €5 in fees.

🤝 You receive €5 back as a trading voucher.

Find us

Facebook
We know the grammar says “Dywidendziarz”, but we go with Dywidenciarz—style and simplicity over commas and dictionaries. Light tone, serious calculations. 🚀
© 2025 Dywidenciarz. All rights reserved.
ChangelogVersion 3.11.3

Prywatna analityka Umami

Zero ciasteczek

Śledzimy wyłącznie anonimowe metryki, aby zrozumieć jak rozwijać kalkulator dywidendowy. Twoja decyzja o zgodzie zapisywana jest lokalnie w przeglądarce – możesz ją zmienić w każdej chwili.

Co analizujemy

  • • Popularność stron i czas wizyty
  • • Kliknięcia w funkcje kalkulatora (bez kwot)
  • • Błędy techniczne pomagające w poprawkach

Czego nie zbieramy

  • • Danych osobowych lub identyfikujących
  • • Konkretnych wartości portfela
  • • Adresów IP czy historii urządzenia
Status: ❌ Analityka wyłączona