DF
Dividend Forecaster
Project dividend income, compare funds, plan your freedom date

About Dividend Forecaster

Most calculators show you a big number and call it a plan. We show you the taxes, the fees, and the income — the numbers that actually decide whether your plan works.

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Monthly Engine
360 iterations for a 30-year projection. Every month modeled independently — dividends, taxes, DRIP, appreciation, fees.
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Freedom Date
The exact year and month when your dividend income covers your inflation-adjusted expenses. Not a guess — a calculation.
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Walk-Away Value
What you actually keep after selling and paying capital gains tax. The number most calculators pretend does not exist.
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Head-to-Head Compare
Same money, same contribution, same timeframe. Different funds. One winner per metric. No opinions — just math.
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Goal Tracker
Set a target amount that grows over time — a house, a retirement number, a milestone. Watch your portfolio race toward it.
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Free Forever
No accounts. No paywalls. No data collected. Every feature on this page works right now, for free, without signing up.

What makes this different

Annual dividend growth on per-share payout
7% growth means the dollar amount per share jumps 7% once a year — stair-step, the way real funds do it. Not smoothed monthly.
Payout frequency changes the math
Quarterly and monthly funds compound differently. A quarterly fund's DRIP shares have fewer months to grow between payouts. We model this.
Expense ratio as real NAV drag
Deducted monthly from share price. The cumulative cost is tracked — so you can see what 0.03% vs 0.75% actually costs over 30 years.
Taxes at the right layer
Dividend tax before DRIP. Capital gains tax on unrealized gains for walk-away only. Your compounding portfolio is not reduced by taxes you have not paid yet.

Who's behind this

This site is built and maintained by Zahid Rehman. I hold a BS in Accounting and Finance from the Institute of Management Sciences (IMSciences), where my research focused on seasonal anomalies in the stock market. I spend much of my time researching dividend and index-fund strategies — reading fund filings, checking distribution histories, and running long-term projections. I built the Dividend Forecaster because I wanted a calculator that was transparent about its math and grounded in real numbers, rather than a black box. Every projection here uses assumptions I'd want spelled out before trusting a forecast myself. If you spot an error or have a question, the is the best way to reach me.