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Dividend Income Calculator

How much a stock or ETF pays you, now and in the future, with and without reinvesting the dividends.

NBTBNBT Bancorp Inc
Price$50.67
Annual dividend$1.60
Yield3.16%
PaysQuarterly
Growth streak13 yrs
5-yr dividend growth5.63%/yr

$10,000 in NBTB buys 197.36 shares and pays about $316 a year today ($78.94 a quarter).

Reinvesting dividends

Yearly income in year 10
$746
Dividends received in total
$5,018
Value after 10 years
$23,618
Shares owned
270.3
Yield on money invested
7.46%

Taking dividends as cash

Yearly income in year 10
$545
Dividends received in total
$4,227
Value after 10 years (shares + cash received)
$21,471
Shares owned
197.36
Yield on money invested
5.45%

Dividend income per year

ReinvestingAs cash
YearIncome (reinvesting)Income (cash)Value (reinvesting)Value (cash)
1$331$327$10,897$10,887
2$360$345$11,875$11,823
3$393$364$12,941$12,812
4$428$385$14,102$13,856
5$466$406$15,368$14,959
6$508$429$16,747$16,123
7$554$453$18,250$17,353
8$603$478$19,888$18,652
9$658$505$21,673$20,023
10$717$534$23,618$21,471

Future income assumes the dividend and share price grow at the rates above, every year; actual dividends can be cut or raised. Past results use real daily closing prices and every cash dividend paid (adjusted for stock splits), with dividends reinvested at the closing price on the pay date. Taxes and trading costs are not included.