Use your own amounts and assumptions. The estimate uses your selected currency.
Free to start
Add your accounts or import a statement. Start planning for free.
Download on theApp StoreDividend income calculator
Two ways round: what your portfolio pays today, or how much you'd need invested to hit a monthly income target.
Per month
€333
Per year
€4,000
What other portfolio sizes pay at 4%
| Invested | Per month | Per year |
|---|---|---|
| €10,000 | €33 | €400 |
| €50,000 | €167 | €2,000 |
| €100,000 | €333 | €4,000 |
| €250,000 | €833 | €10,000 |
| €500,000 | €1,667 | €20,000 |
| €1,000,000 | €3,333 | €40,000 |
Dividend growth
Companies that raise their dividend lift your income without you adding a cent. Here's what a one-off investment pays over time.
| Year | Income that year | Per month |
|---|---|---|
| 1 | €4,000 | €333 |
| 5 | €5,856 | €488 |
| 10 | €9,432 | €786 |
| 15 | €15,190 | €1,266 |
| 20 | €24,464 | €2,039 |
| 25 | €39,399 | €3,283 |
Your income goes from €4,000 in year 1 to €39,399 in year 25 — 9.8× as much, and you never added a cent.
Yearly income is simply what you have invested multiplied by the dividend yield; monthly is that divided by twelve. Going the other way, the capital you need is your target income for a year divided by the yield — €1,000 a month at 4% needs €300,000. The growth section raises the dividend by your growth rate each year and applies it to what you invested, so the income climbs while the investment stays the same size.
Real life is messier. Yields move as share prices move, dividends can be cut or suspended entirely, most companies pay quarterly rather than monthly so the cash arrives lumpy, and this ignores taxes, fees, currency, inflation, and any change in the price of your shares. It is a rough estimate to size a goal — not a forecast, and not financial advice.
Nothing you type here is stored, sent, or tracked — it's all computed in your browser. Want your real income and spending tracked automatically? That's what Deco is for.