DRIP Snowball Calculator

Dividend reinvestment is where treaty rates stop being abstract. A 10% withholding rate versus 30% doesn’t just change this year’s income — it changes how many shares you buy every quarter for decades, and the gap compounds.

Enter your starting portfolio, monthly contribution, expected dividend yield and growth, and your tax residence — the withholding rate fills in automatically from the treaty table, and you can override it if your situation differs. You’ll get the final portfolio value, net dividend income per year, and yield on cost, year by year.

Not sure which withholding rate applies to you? Look it up in the Treaty Rate Atlas, or price the difference directly in the Withholding Tax Calculator.

Initial investment

Monthly contribution

Dividend yield

Dividend growth / yr

Price appreciation / yr

Years

Tax residence (sets withholding)

Withholding rate %

Auto-filled from the treaty table; override if your situation differs.

Reinvest dividends (DRIP)

Portfolio value, final year—

Total you paid in—

Net dividend income, final year—

Yield on cost (gross)—

Portfolio value vs. money paid in Portfolio value Paid in

Net dividend income per year, after withholding Hover bars for values

Year	Paid in	Portfolio value	Net income / yr	Yield on cost

Assumptions: after-tax dividends are reinvested monthly in fractional shares, with no fees or FX costs. The final-year income figure is the annual run-rate at the end of the projection. The assumptions matter more than the decimals — change any input and watch.

This projection is a model, not a forecast. Assumptions above. Last checked: September 2, 2026.