Dividend Reinvestment Calculator and Snowball Tracker
Small snowball.
Long hill.
See how a little money saved today can grow into a lot over time.
Enter your numbers and watch it grow. No experience needed.
14-day free trial · Cancel anytime · Works before you invest a penny
In 30 years
$22,345 / year
About $1,862 / month
Projected balance $446,907 · Illustrative example
Educational estimate, not a prediction. Returns vary and dividends can be cut.
Compounding is the hardest part of investing to picture.
You can read that reinvesting dividends is powerful. It's another thing to see your own money do it. Dividend Snowball turns "someday" into a chart you can actually feel.
Take the cash
Spend dividendsIncome after 30 years
$10,700 / yr
Reinvest (DRIP)
2.1× more incomeIncome after 30 years
$22,390 / yr
Illustrative example: $25,000 start, $200/month, 7% growth, 3.5% yield, 30 years.
Four steps to your first projection.
Set your numbers.
Change the starting amount, monthly savings, or any slider on the page. The projection updates instantly.
Try each mode.
Switch between Grow, Income goal, and Retire early to see three ways to use the same projection.
Save a scenario.
Scroll to Saved scenarios and save your favorite setup so you can come back to it anytime.
Add a real holding.
Track an actual dividend stock you own to see your real income today.
Everything you need to picture your future income.
Snowball calculator
See your dividends grow over 5, 10, 20, and 30 years, with income milestones like your first $100 a month.
Portfolio tracker
Add a ticker and share count, and see what your real holdings pay you today. Watch your snowball level up through six stages, all the way to Avalanche.
Dividend calendar
Every payment, and the day it lands. See which months pay and how much.
Bills your dividends pay
Add your phone bill, streaming, groceries, or rent, and see which bills your dividends already cover.
Stress tests
What if a dividend gets cut in half? What do fees and taxes quietly cost you? Find out before it happens.
Cost of waiting
See how much starting today instead of five years from now could change the outcome.
See it in the app
Portfolio
3 holdingsRolling · 2 to go
AAPL
42 shares
$31.50
/ quarter
MSFT
18 shares
$22.80
/ quarter
JNJ
30 shares
$18.60
/ quarter
Illustrative example
March
2026This month
$73 income
3 payments incoming
AAPL
Mar 15
$31.50
JNJ
Mar 22
$18.60
MSFT
Mar 28
$22.80
Illustrative example
Watch your dividends start paying your bills.
Phone bill first. Then streaming. Then groceries. The Freedom Ladder shows which monthly bills your dividend income covers today, and which one you'll reach next.
Illustrative example. Bills and coverage shown are hypothetical.
You don't need to know anything yet.
Tap any underlined term for a quick, plain-English definition. Ten short lessons, about 3 to 5 minutes each, cover the essentials whenever you're curious.
Browse all lessons →Guess first. Then scroll.
Dividend Snowball asks you to predict the result before it shows you. Most people guess low, and that's the point. Your instincts get sharper every time.
What's free, and what the trial unlocks.
The calculator, lessons, and portfolio summary are free forever. Premium adds the calendar, alerts, broker import, and tax-aware planning.
Premium: $49/year or $5.99/month.
Go annual and save 32% versus paying monthly. Free forever for the calculator, lessons, and portfolio summary. Cancel anytime.
- Everything in Free, plus:
- Dividend calendar
- Ex-dividend and payment alerts
- CSV import from a broker
- "What if I bought this?" simulator
- After-tax income by account type
14-day free trial of Premium. No credit card required to start.
Frank Morales
I built Dividend Snowball for the person I was when I first got curious about investing: interested, but overwhelmed by tools made for experts. I focused on dividends because I loved the idea of building long-term wealth while earning regular income along the way. Inspired by Warren Buffett's patient approach, it's a simple, jargon-free place to learn how stocks and dividends can work for you.
Questions? Email hello@dividend-snowball.com.
Frequently asked questions
No. The Snowball calculator works with any numbers, real or hypothetical. Add real holdings whenever you're ready.