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Calculate dividend reinvestment (DRIP)

Simulate dividend reinvestment, reinvestment of DRIP and long-term portfolio value.

Saving/investing/retirement.Verifiable formulaYou can save and share results.

Know the results in less than 30 seconds.

Data is not saved. and is used for calculation only.

Updated year criteria 2026

Dividend Reinvestment (DRIP) Calculator

The Dividend Reinvestment (DRIP) Calculator estimates a investment and time value estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own dividend reinvestment drip figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.

Calculate and compare the value of the portfolio between the DRIP and the dividend withdrawal, see the accumulated annual difference in the long term.

How to calculate DRIP, take dividends to reinvest

DRIP is a full-effect multiplier strategy. When you reinvest dividends, you buy more shares, the number of shares increases, the dividends in the next year increase, and a cycle of long-term wealth accumulation begins.

DRIP formula

DRIP: Portfolio value = investment × (1 + yield + growth) ^year
Non-DRIP: Portfolio value = investment × (1 + growth)^year + accrued dividend (not capitalized)

DRIP sample 20 year

Investment 100,000 baht dividend yield 4%/year Share price rise 5%/year in 20 year:

  • DRIP: Port Value Approximate 520,000+ baht
  • Non-DRIP: Portfolio Value ~265,000 baht + Cumulative Dividend ~80,000 baht = 345,000 baht
  • DRIP can be more than: 175,000+ baht

Frequently asked questions

What is DRIP and how is it useful?
DRIP is an automatic reinvestment of dividends into stocks or funds instead of withdrawing them. It's a portfolio growth program that uses compound interest to grow your portfolio in the long run.
What is the difference between DRIP and cash dividends?
Cash dividends give you a steady income but the portfolio grows slower, while DRIPs add dividends back into the portfolio, making the portfolio grow faster in the long run, especially if the investment period is longer than 10 years.
What is the good dividend yield for Thai stocks?
Thai stocks in the SET market have an average dividend yield of 3-5% per year. Banking and energy stocks tend to yield higher than 4-6%, while high-growth stocks tend to yield lower than 2%.
Should I choose DRIP or withdraw dividends?
If you don't want to earn income from the portfolio and have a longer investment period than 10 years, DRIP is better because it can use the full potential of the capital, but if you want a steady income or close to retirement, cash dividends are more appropriate.
Disclaimer: The results of the calculations are only estimates. Actual returns may vary depending on market conditions. They are not financial advice.

English calculator guide

How to use the Dividend Reinvestment (DRIP) Calculator

Use this page to test a specific dividend reinvestment drip scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the dividend reinvestment (drip) estimate instead of relying on a generic example.

  1. Build a baseline dividend reinvestment drip case with figures that match your situation.
  2. Run a second dividend reinvestment drip case after changing the rate, period, quantity or other key assumption.
  3. Record the difference between the two dividend reinvestment drip results and the input responsible for it.

Inputs for the dividend reinvestment drip estimate

For this dividend reinvestment drip calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a investment and time value estimate for your scenario, not a guaranteed provider price or official decision.

How the dividend reinvestment drip result is calculated

The calculator projects value over time from the entered amount, rate, period and contribution assumptions. Reusing the same dividend reinvestment drip inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.

Checks for a dividend reinvestment drip decision

Confirm any current rate, threshold or provider rule that could change the final amount. For dividend reinvestment drip, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.

Language QA
Terminology, numeric values and calculator controls checked
Calculator scope
Investment and time value
Last English review
26 July 2026

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