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◆ INDEX COMPOUNDING • DRIP ON VS. CASH DIVIDENDS & ETF FEE IMPACT

S&P 500 & Dividend Reinvestment (DRIP) Wealth Simulator

Compare reinvesting dividends automatically (DRIP ON) against taking cash distributions (DRIP OFF), and measure how a 0.03% index ETF compares with a 0.85% actively managed fund.

DISPLAY SYMBOL (1:1 NO FX):
FRED · BLS · US-STATUTORY-2026.11 Plain-English A–Z Glossary →
Enter Your Numbers RUNS PRIVATELY IN YOUR BROWSER
$10,000
$500/mo
25 Years
7.50%
1.60%
Your Results & Breakdown 2026 U.S. FORMULA
Projected Portfolio in 25 Years
$642,800
$160,000 invested + $482,800 market & DRIP gain
Year-25 Annual Dividends
$10,285/yr
$857/mo dividend distributions
DRIP Reinvestment Boost
+$141,200
Extra wealth vs. taking cash dividends
0.03% ETF Fee Savings
+$81,400
Saved vs. 0.85% mutual fund
Ready: Type exact dollar or percentage figures or drag any slider to update your tax, interest, and cash-flow breakdown immediately.

Privacy Note: All math runs locally in your browser. If you click Copy My Scenario Link, your entered numbers are encoded in that link so you can revisit or share the scenario.

◆ METHODOLOGY & PLAIN-ENGLISH GUIDE (CLICK DOTTED TERMS FOR DEFINITIONS)

DRIP ON vs. DRIP OFF: What Changes in Your Account?

With ON, every dividend payout buys additional fractional shares that themselves earn future price growth and future dividends. With DRIP OFF, dividends accumulate as uninvested cash distributions while only your share principal compounds at the share-price growth rate.