The dividend snowball
The Boring Calculator
A free dividend calculator. Move the sliders — watch decades of patience do their work.
Reinvest dividendsThe snowball switch
Portfolio value
$1,001,405
after 25 years · dividends reinvested
Monthly dividend income
$8,689
Yearly dividend income
$104,273
Total dividends earned
$582,804
Total invested
$160,000
Compound growth
+525.9%
Years to financial freedom
20 yrs
What this actually means
- At this pace, your portfolio could generate approximately $8,689 per month in dividend income after 25 years.
- You reach your $3,000/month income goal in year 20 — within your investing horizon. Boring, but life-changing.
- From year 11, your dividends ($7,278/yr) out-earn your own contributions ($6,000/yr). The snowball officially works harder than you do.
- Reinvesting is quietly doing $719,490 of the work. Flip the switch off and watch that disappear.
Portfolio growth
Green area = portfolio · grey line = your own money in
Dividend income per year
Each bar is one year of dividends — the snowball, visualized
Where your wealth comes from
Your deposits vs. what the market and the snowball added on top
Contributions Dividends Price growth
| Year | Invested | Dividends / yr | Total dividends | Portfolio |
|---|---|---|---|---|
| 1 | $16,000 | $480 | $480 | $17,017 |
| 2 | $22,000 | $772 | $1,253 | $24,613 |
| 3 | $28,000 | $1,117 | $2,369 | $32,862 |
| 4 | $34,000 | $1,521 | $3,890 | $41,854 |
| 5 | $40,000 | $1,997 | $5,888 | $51,689 |
| 6 | $46,000 | $2,557 | $8,445 | $62,489 |
| 7 | $52,000 | $3,217 | $11,662 | $74,391 |
| 8 | $58,000 | $3,994 | $15,656 | $87,560 |
| 9 | $64,000 | $4,911 | $20,566 | $102,189 |
| 10 | $70,000 | $5,994 | $26,561 | $118,507 |
| 11 | $76,000 | $7,278 | $33,839 | $136,783 |
| 12 | $82,000 | $8,801 | $42,639 | $157,340 |
| 13 | $88,000 | $10,612 | $53,252 | $180,564 |
| 14 | $94,000 | $12,774 | $66,025 | $206,916 |
| 15 | $100,000 | $15,359 | $81,384 | $236,954 |
| 16 | $106,000 | $18,462 | $99,846 | $271,351 |
| 17 | $112,000 | $22,199 | $122,045 | $310,927 |
| 18 | $118,000 | $26,716 | $148,761 | $356,684 |
| 19 | $124,000 | $32,198 | $180,960 | $409,850 |
| 20 | $130,000 | $38,879 | $219,838 | $471,942 |
| 21 | $136,000 | $47,056 | $266,894 | $544,839 |
| 22 | $142,000 | $57,113 | $324,007 | $630,886 |
| 23 | $148,000 | $69,542 | $393,549 | $733,024 |
| 24 | $154,000 | $84,983 | $478,532 | $854,961 |
| 25 | $160,000 | $104,273 | $582,804 | $1,001,405 |
This calculator is a simplified educational model. It assumes steady yields and growth rates, which real markets never provide. Nothing on this page constitutes financial advice. Investment returns are never guaranteed.