Calculators · Passive income

Passive dividend income calculator

How much capital and how many shares you need for a target monthly dividend income — and, in reverse, what income a given portfolio produces.

An educational tool. Dividend yields change, and past yields don't guarantee future ones. Not a recommendation for any specific stock.

Assumptions

The yield is constant and the same across the whole portfolio.
The dividend tax is an assumption, not tax advice.
For a target income, we assume the target is net (after tax).
The number of shares is approximate, based on the average price entered.

Required capital

300,000.00€

For 1,000.00 € per month you'll need about 6,000 shares at this yield.

Effective net yield: 4.0%.

Shares needed: 6,000
Gross annual income: 12,000.00€
Net annual income: 12,000.00€

Formula

Annual income = Capital × Yield
Required capital = Target annual income / Yield

Net yield = Yield × (1 − Tax)
Number of shares = Capital / Price per share

Yield: — annual dividend yield (decimal)
Tax: — tax on dividends (decimal)
Capital: — portfolio size

The target income is treated as net. The tax is an assumption — not tax or investment advice.

Frequently asked questions

What does this calculator show?

How much capital you need to receive a target passive income at a given dividend yield — and the other way around.

Is living off dividends realistic?

It's possible but takes a lot of capital: at a 4% net yield, €500 a month needs roughly €150,000 invested. Dividends are not guaranteed.

Is this a forecast or investment advice?

No. The result is an educational illustration based on assumptions you set — not a forecast, and not investment advice or a recommendation. You make the decision.