Money in dividend-paying stocks or funds.
Your assumption of annual dividend ÷ investment.
Your assumption; dividends can also fall.
Period.
Quick examples
₹5,00,000 at a 3% yield growing 5% a year for 10 years.
What each result means
Year-1 dividend income
What it is: Investment × yield.
Your value: ₹15,000
Before tax.
Final-year dividend income
What it is: Year-1 income grown at your dividend growth.
Your value: ₹23,270
The headline figure.
Total dividends
What it is: All years added.
Your value: ₹1,88,668
Not reinvested.
Year-by-year breakdown
| Year | Dividend that year (₹) | Cumulative dividends (₹) | Yield on cost | Growth vs year 1 |
|---|---|---|---|---|
| 1 | ₹15,000 | ₹15,000 | 3.00% | 1.00× |
| 2 | ₹15,750 | ₹30,750 | 3.15% | 1.05× |
| 3 | ₹16,538 | ₹47,288 | 3.31% | 1.10× |
How to read this: each row shows the dividend for that year if it grew at your assumed rate. Dividends are not reinvested.
Showing the first 3 of 10 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
This calculator projects dividend income from an investment at your assumed starting yield and dividend growth rate.
What your result means
Companies are not obliged to pay or raise dividends. These are projections under your assumptions only.
Formula
1. Dividend in year k
Symbols
- P
- Amount
- g
- Dividend growth
Worked example
₹5,00,000 × 3% = ₹15,000 in year 1; at 5% growth, year 10 ≈ ₹23,270.
Working for your numbers
- D₁ = ₹5,00,000 × 3% = ₹15,000
- D10 = ₹15,000 × 1.050^9 = ₹23,270
- Total = ₹1,88,668
Frequently asked questions
Are dividends taxed?
Yes, at your slab rate in India, with TDS above the threshold.
Is the return on this page guaranteed?
No. Every rate here is your own assumption. Market-linked results go up and down; this page shows what the numbers give under your assumptions, not a promise.
When should I talk to a professional instead?
Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.
Symbols and assumptions
- P
- Amount
- yield
- Starting yield
- g
- Dividend growth
- Dividends are not reinvested.
- Share price changes are ignored.
- Does not account for taxes, fees, expense ratios or exit loads.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
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Related Calculators
How it works
Calculates the cash flow generated by dividends from your holdings.
The formula
Income = Shares × Dividend Per Share- Shares
- Number of units held
Worked example
Holding 500 shares of a company paying ₹20 dividend.
Pro tips
- Reinvest dividends to benefit from compounding.
- Check for dividend tax implications above ₹5,000.
Common mistakes
- Assuming future dividends based only on past data.
Go deeper
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.