.stock-calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #f9f9f9;
padding: 30px;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0,0,0,0.1);
}
.stock-calc-header {
text-align: center;
margin-bottom: 25px;
color: #2c3e50;
}
.stock-calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.stock-calc-grid {
grid-template-columns: 1fr;
}
}
.stock-input-group {
margin-bottom: 15px;
}
.stock-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #34495e;
font-size: 0.95em;
}
.stock-input-group input[type="number"],
.stock-input-group select {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 1em;
box-sizing: border-box;
}
.stock-input-group input[type="checkbox"] {
width: auto;
margin-right: 10px;
transform: scale(1.2);
}
.checkbox-wrapper {
display: flex;
align-items: center;
margin-top: 25px;
background: #e8f6f3;
padding: 10px;
border-radius: 4px;
border: 1px solid #d1f2eb;
}
.stock-calc-btn {
grid-column: 1 / -1;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 1.1em;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
transition: background-color 0.3s;
margin-top: 10px;
}
.stock-calc-btn:hover {
background-color: #219150;
}
.stock-results {
margin-top: 30px;
background: #fff;
padding: 20px;
border-radius: 4px;
border-left: 5px solid #27ae60;
display: none;
}
.stock-results h3 {
margin-top: 0;
color: #2c3e50;
border-bottom: 1px solid #eee;
padding-bottom: 10px;
}
.result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
font-size: 1.05em;
}
.result-label {
color: #7f8c8d;
}
.result-value {
font-weight: bold;
color: #2c3e50;
}
.highlight-value {
color: #27ae60;
font-size: 1.2em;
}
.chart-visual {
margin-top: 20px;
height: 20px;
background: #eee;
border-radius: 10px;
overflow: hidden;
display: flex;
}
.chart-principal { background: #3498db; }
.chart-gains { background: #27ae60; }
.chart-legend {
display: flex;
gap: 15px;
font-size: 0.85em;
margin-top: 5px;
justify-content: center;
}
.legend-item span {
display: inline-block;
width: 10px;
height: 10px;
border-radius: 50%;
margin-right: 5px;
}
function calculateStockGrowth() {
// Get Input Values
var price = parseFloat(document.getElementById('stockPrice').value);
var shares = parseFloat(document.getElementById('stockShares').value);
var priceGrowth = parseFloat(document.getElementById('priceGrowth').value);
var divYield = parseFloat(document.getElementById('divYield').value);
var divGrowth = parseFloat(document.getElementById('divGrowth').value);
var years = parseInt(document.getElementById('investYears').value);
var taxRate = parseFloat(document.getElementById('taxRate').value);
var reinvest = document.getElementById('reinvestDivs').checked;
// Validation
if (isNaN(price) || isNaN(shares) || isNaN(years)) {
alert("Please enter valid numbers for price, shares, and duration.");
return;
}
// Set defaults for optional fields if empty
if (isNaN(priceGrowth)) priceGrowth = 0;
if (isNaN(divYield)) divYield = 0;
if (isNaN(divGrowth)) divGrowth = 0;
if (isNaN(taxRate)) taxRate = 0;
// Convert percentages to decimals
var rPriceGrowth = priceGrowth / 100;
var rDivYield = divYield / 100;
var rDivGrowth = divGrowth / 100;
var rTaxRate = taxRate / 100;
// Initial Calculations
var initialInvestment = price * shares;
var currentPrice = price;
var currentShares = shares;
var totalDividends = 0;
var cashBalance = 0;
// Initial Dividend Per Share
var currentDivPerShare = price * rDivYield;
// Loop through years
for (var i = 1; i 0 && initialInvestment > 0) {
cagr = (Math.pow(totalPortfolioValue / initialInvestment, 1 / years) – 1) * 100;
}
// Update DOM
document.getElementById('resInitial').innerHTML = "$" + initialInvestment.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resFinalValue').innerHTML = "$" + totalPortfolioValue.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resTotalDivs').innerHTML = "$" + totalDividends.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resTotalReturn').innerHTML = totalReturnPct.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}) + "%";
document.getElementById('resCAGR').innerHTML = cagr.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}) + "%";
document.getElementById('resEndShares').innerHTML = currentShares.toLocaleString(undefined, {minimumFractionDigits: 4, maximumFractionDigits: 4});
// Update Visual Chart
var principalPct = (initialInvestment / totalPortfolioValue) * 100;
if (principalPct > 100) principalPct = 100;
var gainsPct = 100 – principalPct;
var chartHTML = '';
chartHTML += '';
document.getElementById('chartVisual').innerHTML = chartHTML;
// Show Results
document.getElementById('stockResult').style.display = 'block';
}
Stock Growth & Dividend Calculator
Project your investment returns with price appreciation and dividend reinvestment.
Investment Projection
Initial Investment:
Final Portfolio Value:
Total Dividend Income (After Tax):
Total Return Percentage:
Annualized Return (CAGR):
Ending Share Count:
Principal
Total Gain
Understanding Stock Growth with Dividends
Calculating the true return on a stock investment involves more than just looking at the price chart. Total Return is the combination of stock price appreciation (capital gains) and the dividends paid out to shareholders. When these dividends are reinvested to purchase more shares—a strategy known as a DRIP (Dividend Reinvestment Plan)—the compounding effect can significantly accelerate portfolio growth.
How This Calculator Works
This tool models the growth of your stock holding by simulating annual changes based on your inputs:
- Capital Appreciation: The calculator increases the stock price annually by your expected growth rate.
- Dividend Growth: It adjusts the dividend payout per share annually, simulating companies that regularly raise their dividends (like Dividend Aristocrats).
- Tax Impact: It subtracts taxes from your dividends before reinvestment to give a realistic net return.
- Reinvestment (Compounding): If "DRIP" is selected, the after-tax dividend cash is used to buy more fractional shares at the current year's price, increasing the share count for future dividend calculations.
Why Dividend Growth Matters
Even a modest dividend yield can act as a powerful accelerator for wealth. For example, if a stock stays flat in price but pays a 5% dividend yield, and you reinvest those dividends, your share count grows by 5% annually. If the stock price also rises, you benefit from "double compounding": owning more shares that are each worth more money.
Key Definitions
- Dividend Yield:
- The annual dividend payment divided by the stock's current price. It represents the income return on the investment.
- CAGR (Compound Annual Growth Rate):
- The mean annual growth rate of an investment over a specified period of time longer than one year. It smooths out the volatility of returns.
- DRIP (Dividend Reinvestment Plan):
- A program that allows investors to automatically reinvest cash dividends into additional shares or fractional shares of the underlying stock.