About DividendGrowthCalculator.com
Who built this site, why, and how its calculators and guides are checked.
DividendGrowthCalculator.com is a free site for long-term dividend investors. It has six calculators, seven guides, and a methodology page. The calculators project dividend income with reinvestment, contributions, and dividend growth; work out a growth rate from payment history; size a portfolio for an income goal; check yield and yield on cost; test a dividend capture trade; and compare payout ratios. The guides explain the mechanics behind them.
Why this site exists
Dividend math looks simple until compounding, reinvestment, and growth are all in play at once. The goal here is calculators that take the inputs that matter, show a full year-by-year result where it helps, and leave the math out in the open. No signup, and nothing you enter is sent anywhere, since the calculators run in your browser. Cedrick has been investing in dividend stocks since 2019, which is where the questions behind these tools came from.
How the math is checked
The growth calculator uses a share-based simulation: it tracks shares, share price, and dividend per share month by month, pays dividends on your chosen schedule, and optionally reinvests them. The dividend growth input follows the standard compound annual growth rate (CAGR) method, which was cross-checked against multiple independent references before publishing, including LegalClarity's dividend growth rate guide and FASTGraphs' explanation of the same formula. The dividend reinvestment mechanics were checked against Investor.gov, the U.S. Securities and Exchange Commission's investor education site. A full list of references appears in the Sources section on the growth calculator page. The other calculators and every guide list their own sources on the page. How pages are researched and written, including the use of AI assistance, is explained on the methodology page.
To be clear about what this is: educational planning tools, not advice. They assume steady growth rates, which markets don't provide. Taxes are handled simply and only in two places: the growth calculator applies one flat tax rate that you enter, with no brackets, and the dividend capture calculator taxes the payment at your ordinary income tax rate. Only the capture calculator includes trading costs (spread and commission), and none of them model fund expense ratios.
Who's behind this
DividendGrowthCalculator.com was created by Cedrick Reese, founder of ReadyUtilities.com, a retired veteran and web developer who enjoys building free, user-friendly online tools that simplify everyday tasks. My journey began in the early 2000s with affiliate marketing and niche site development, which grew into a passion for creating practical digital utilities and calculators. After retiring, I earned a Computer Systems Technician certificate from UEI College, completed Electro-Mechanical Technologies at Tulsa Welding School, and finished the Carpentry program at Florida State College at Jacksonville. Today, I combine my technical background and craftsmanship by building furniture using traditional woodworking methods, gardening, and developing helpful online tools for users worldwide.
Our commitment
These tools stay free. The site may be ad-supported down the road, and if affiliate links are ever added they'll be clearly disclosed. Feedback is welcome, so if something's off or you'd like a feature, get in touch.
Last updated: October 2026