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Dividend Reinvestment Calculator (DRIP): Growth and Contributions

A dividend reinvestment plan, or DRIP, uses cash distributions to purchase additional shares of the same investment. This calculator models how dividend yield, dividend growth, share-price growth, monthly contributions, payment frequency, fractional-share rules, and transaction fees can change a hypothetical share count and income stream over time. Quick answer A DRIP converts an eligible cash dividend into more whole or fractional shares. More shares can generate more future dividends, which can purchase still more shares. The basic payment calculation is: Cash dividend = shares owned x dividend per share for the payment Reinvested shares = (cash dividend - reinvestment fee) / reinvestment price This calculator is a constant-assumption scenario, not a forecast. Dividends can be reduced or eliminated, share prices fluctuate, reinvestment timing and prices vary, and taxes may apply even when cash is automatically reinvested. Dividend Reinvestment Calculator (DRIP) The st...
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ETF Total Return Calculator: Dividends, Fees, and Contributions

ETF total return combines changes in investment value with income such as dividends or interest. Use this calculator to build a transparent hypothetical projection from an initial investment, monthly contributions, annual price-growth assumption, dividend yield, expense ratio, holding period, and dividend-reinvestment choice. Quick answer Total return is broader than price return. It includes the change in investment value plus distributions received, with the result depending on whether distributions are reinvested. For a historical holding-period calculation with no contributions, a simplified formula is: Total return = (ending value + cash distributions - beginning value) / beginning value This calculator is a forward-looking scenario model rather than a reconstruction of an actual account. It uses constant annual assumptions, monthly modeling, and end-of-month contributions. It does not forecast markets or include taxes, spreads, commissions, premium/discount changes, for...
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ETF Premium/Discount to NAV Calculator: Formula and Cost

An ETF premium or discount measures the gap between its market price and net asset value per share. A positive result is a premium; a negative result is a discount. Use this calculator to express that gap in percent, basis points, and dollars, and to compare how a change between entry and exit can affect a hypothetical holding. Quick answer Use contemporaneous values in the same currency. Divide market price by NAV per share, subtract 1, and multiply by 100. A market price of $50.10 against a $50.00 NAV is a 0.20% premium, or 20 basis points. A market price of $49.90 against the same NAV is a 0.20% discount. Premium/discount %: ((market price / NAV per share) - 1) x 100. Basis points: premium/discount % x 100. Position deviation: (market price - NAV per share) x shares. Entry-to-exit effect: exit position deviation - entry position deviation. A discount is not automatically a bargain. It may reflect stale underlying prices, market stress, transaction costs, difficult...
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ETF Total Cost Calculator: Expense Ratio, Spread, and Commissions

An ETF's total cost is broader than its expense ratio. A practical estimate should separate recurring fund operating expenses from transaction costs such as the bid-ask spread and brokerage commissions. Use this calculator to model those components over a stated holding period without automatically adding tracking difference or premium/discount changes that may overlap with, or behave differently from, the entered costs. Quick answer For a transparent planning estimate, model three buckets: recurring fund expenses, spread-related trading friction, and direct transaction charges. Keep historical tracking difference, premium/discount changes, taxes, foreign exchange, market impact, and advice fees separate unless you have compatible data and a clear reason to include them. Recurring estimate: average invested value 횞 annual expense ratio 횞 holding years. One-way spread estimate: trade notional 횞 quoted spread in basis points 첨 10,000 첨 2. Direct charges: number of trad...
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