Dividend simulator
Project the dividends of a stock portfolio based on yield, dividend growth, taxation and reinvestment.
Your settings
Results update with each entry.
Gross annual dividend relative to the portfolio value.
The share price is assumed to follow the same growth.
30% by default: flat-rate tax (PFU) — check the current rate and your situation (PEA, option for the progressive income tax scale).
Net dividends buy new shares each year.
- Net dividends received in year 15
- €3,083
- That is €257 per month on average, or 6.17% of the initial invested capital.
- Cumulative net dividends over 15 years
- €32,094
- Cumulative taxes
- €13,755
- Portfolio value at end
- €116,481
- Dividends reinvested included
Dividends per Year
Amounts paid at year-end.
- Net dividends
- Tax
Breakdown by year
| Year | Principal at start of year | Gross dividends | Tax | Net dividends | Principal at year-end |
|---|---|---|---|---|---|
| 1 | €50,000 | €2,000 | €600 | €1,400 | €52,900 |
| 2 | €52,900 | €2,116 | €635 | €1,481 | €55,968 |
| 3 | €55,968 | €2,239 | €672 | €1,567 | €59,214 |
| 4 | €59,214 | €2,369 | €711 | €1,658 | €62,649 |
| 5 | €62,649 | €2,506 | €752 | €1,754 | €66,282 |
| 6 | €66,282 | €2,651 | €795 | €1,856 | €70,127 |
| 7 | €70,127 | €2,805 | €842 | €1,964 | €74,194 |
| 8 | €74,194 | €2,968 | €890 | €2,077 | €78,497 |
| 9 | €78,497 | €3,140 | €942 | €2,198 | €83,050 |
| 10 | €83,050 | €3,322 | €997 | €2,325 | €87,867 |
How this calculation is made
Each year, the portfolio pays a gross dividend equal to its value at the start of the year multiplied by the dividend yield. Tax is withheld at the rate entered:
Net dividend = beginning-of-year value × yield × (1 − tax rate)
The share price is assumed to grow at the same rate as the dividend, so the yield remains constant. The portfolio value therefore grows each year at the dividend growth rate, plus net dividends when they are reinvested.
- Dividends are paid once a year, at year-end.
- The default rate of 30% corresponds to the flat-rate tax (PFU); check the rate currently in force. A PEA or the option to be taxed at the progressive income tax scale may lead to a different tax treatment.
- A dividend is never guaranteed: a company may reduce or suspend it, and the share price may fall.
The results are simulations based on the stated assumptions. They do not predict future results and do not take your personal situation into account. The information published on TimeLinq is for informational purposes only and does not constitute investment advice. Investing involves a risk of capital loss.