{"id":2966,"date":"2026-11-04T08:27:46","date_gmt":"2026-11-04T08:27:46","guid":{"rendered":"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-dywidend-reinwestycja-drip\/"},"modified":"2026-11-04T08:27:46","modified_gmt":"2026-11-04T08:27:46","slug":"kalkulator-dywidend-reinwestycja-drip","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-dywidend-reinwestycja-drip\/","title":{"rendered":"Kalkulator dywidend \u2013 reinwestycja dywidend (DRIP)"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Prognoza dochodu z dywidend i wzrostu kapita\u0142u dzi\u0119ki reinwestycji<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"2966\" data-favorite-title=\"Dywidenda\" data-favorite-url=\"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-dywidend-reinwestycja-drip\/\" data-favorite-excerpt=\"Pokazuje, jak ro\u015bnie portfel dywidendowy, gdy wyp\u0142aty s\u0105 reinwestowane (DRIP). Wpisz wp\u0142at\u0119 pocz\u0105tkow\u0105, stop\u0119 dywidendy, cz\u0119stotliwo\u015b\u0107 wyp\u0142at, tempa wzrostu, dodatkowe wp\u0142aty i podatek od dywidend, aby zobaczy\u0107 ko\u0144cow\u0105 warto\u015b\u0107, liczb\u0119 akcji, przysz\u0142y doch\u00f3d z dywidend oraz stop\u0119 zwrotu wzgl\u0119dem ceny zakupu (yield on cost).\" aria-label=\"Dodaj do ulubionych\" data-favorite-icon=\"icon icon-investment\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-dywidend-reinwestycja-drip\/\" method=\"POST\" class=\"calculator\" id=\"calculator-2966\" data-post=\"2966\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Pola danych<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Twoja inwestycja<\/span><\/div><div class=\"field is-single\" id=\"input-2\"><label for=\"field-2\">Inwestycja pocz\u0105tkowa<\/label><input type=\"text\" name=\"inwestycja_pocztkowa\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Cena akcji<\/label><input type=\"text\" name=\"cena_akcji\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"50\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Wysoko\u015b\u0107 dywidendy<\/label><div class=\"field-group\"><input type=\"text\" name=\"wysoko_dywidendy\" id=\"field-4\" aria-describedby=\"calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3.5\"\/><div class=\"grid grid-cols-1\"><select id=\"field-5\" name=\"podstawa\" aria-label=\"Podstawa\"><option value=\"yield\" selected>% rocznie (stopa)<\/option><option value=\"dps\">$ na akcj\u0119 rocznie<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><small id=\"calc-info-4\">Jako procent ceny akcji (stopa dywidendy) albo jako kwota w dolarach na akcj\u0119 rocznie.<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-6\">Cz\u0119stotliwo\u015b\u0107 wyp\u0142at<\/label><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"czstotliwo_wypat\"><option value=\"m\">Co miesi\u0105c (12 razy w roku)<\/option><option value=\"q\" selected>Co kwarta\u0142 (4 razy w roku)<\/option><option value=\"s\">Co p\u00f3\u0142 roku (2 razy w roku)<\/option><option value=\"y\">Raz w roku (1 wyp\u0142ata rocznie)<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-7\">Wzrost dywidendy rocznie<\/label><input type=\"number\" name=\"wzrost_dywidendy_rocznie\" id=\"field-7\" aria-describedby=\"calc-unit-7\" min=\"-99\" max=\"1000\" step=\"0.1\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-7\">%<\/div><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-8\">Wzrost ceny akcji rocznie<\/label><input type=\"number\" name=\"wzrost_ceny_akcji_rocznie\" id=\"field-8\" aria-describedby=\"calc-unit-8\" min=\"-99\" max=\"1000\" step=\"0.1\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-8\">%<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-9\">Liczba lat<\/label><input type=\"text\" name=\"liczba_lat\" id=\"field-9\" aria-describedby=\"calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"50\" value=\"20\"\/><small id=\"calc-info-9\">Od 1 do 50 lat.<\/small><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-10\">Dodatkowa wp\u0142ata<\/label><div class=\"field-group\"><input type=\"text\" name=\"dodatkowa_wpata\" id=\"field-10\" aria-describedby=\"calc-info-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"grid grid-cols-1\"><select id=\"field-11\" name=\"jak_czsto\" aria-label=\"Jak cz\u0119sto\"><option value=\"month\" selected>$ miesi\u0119cznie<\/option><option value=\"year\">$ rocznie<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><small id=\"calc-info-10\">Dodawana na pocz\u0105tku ka\u017cdego okresu wyp\u0142aty.<\/small><\/div><div class=\"field is-checkbox is-single\" id=\"input-10\"><input type=\"checkbox\" id=\"field-12\" value=\"1\" checked=\"checked\"\/><label for=\"field-12\">Reinwestowanie dywidend (DRIP)<\/label><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-13\">Stawka podatku od dywidend<\/label><input type=\"text\" name=\"stawka_podatku_od_dywidend\" id=\"field-13\" aria-describedby=\"calc-unit-13 calc-info-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"15\"\/><div class=\"unit\" id=\"calc-unit-13\">%<\/div><small id=\"calc-info-13\">Dywidendy s\u0105 opodatkowane w momencie wyp\u0142aty; przy w\u0142\u0105czonym reinwestowaniu akcje kupuje si\u0119 tylko z kwoty po opodatkowaniu.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Przelicz ponownie\" id=\"calculate-button\" data-post=\"2966\">Oblicz<\/button><button type=\"reset\">Wyczy\u015b\u0107<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Obliczaj automatycznie<\/label><small>Po w\u0142\u0105czeniu wynik aktualizuje si\u0119 automatycznie po zmianie dowolnej warto\u015bci.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Twoja prognoza DRIP<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Warto\u015b\u0107 ko\u0144cowa portfela<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Liczba akcji<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"akcji\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Doch\u00f3d z dywidend w ostatnim roku<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\/rok\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Rentowno\u015b\u0107 wzgl\u0119dem kosztu<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Suma otrzymanych dywidend<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>Suma zainwestowanych \u015brodk\u00f3w<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Dywidendy w got\u00f3wce (bez reinwestycji)<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-8\"><span class=\"field-title\"><span>Rozk\u0142ad rok po roku<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-9\"><span class=\"field-title\"><span>Jak r\u00f3s\u0142 Tw\u00f3j portfel<\/span><\/span><span class=\"field-value\" id=\"result-9\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Kopiuj link do tego obliczenia<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Zostaw komentarz<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"2966\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Jak oceniasz ten wynik?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Lubi\u0119 to <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Pomocne <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Niejasne <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Rozczarowanie <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Niedok\u0142adne <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Wz\u00f3r na reinwestycj\u0119 dywidend (DRIP)<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Wz\u00f3r<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ V_n = \\left(V_{n-1}+C_n\\right)\\cdot\\frac{P_n+(1-t)\\,d_y}{P_{n-1}}, \\qquad P_n = P_0\\left(1+\\frac{g_p}{100}\\right)^{n\/m}, \\qquad d_y = \\frac{D_0\\left(1+\\frac{g_d}{100}\\right)^{y-1}}{m} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Gdzie:<\/strong><\/p>\n<ul>\n<li>\\(V_n\\) \u2014 warto\u015b\u0107 portfela na koniec okresu wyp\u0142aty \\(n\\) (jeden okres = odst\u0119p mi\u0119dzy dwiema wyp\u0142atami)<\/li>\n<li>\\(C_n\\) \u2014 dodatkowa wp\u0142ata dokonana na pocz\u0105tku okresu<\/li>\n<li>\\(P_n\\) \u2014 cena akcji na koniec okresu \\(n\\)<\/li>\n<li>\\(d_y\\) \u2014 dywidenda na akcj\u0119 przy ka\u017cdej wyp\u0142acie w roku \\(y\\)<\/li>\n<li>\\(D_0\\) \u2014 pocz\u0105tkowa roczna dywidenda na akcj\u0119 (cena akcji &times; stopa, albo podana bezpo\u015brednio w dolarach)<\/li>\n<li>\\(t\\) \u2014 stawka podatku od dywidendy w postaci dziesi\u0119tnej (np. 0,15 przy 15%)<\/li>\n<li>\\(m\\) \u2014 liczba wyp\u0142at w roku: 12 (co miesi\u0105c), 4 (kwartalnie), 2 (co p\u00f3\u0142 roku) lub 1 (raz w roku)<\/li>\n<li>\\(g_d\\), \\(g_p\\) \u2014 za\u0142o\u017cone roczne tempo wzrostu dywidendy i ceny akcji, w %<\/li>\n<\/ul>\n<p>Wz\u00f3r m\u00f3wi: dotychczasowa warto\u015b\u0107 powi\u0119kszona o now\u0105 wp\u0142at\u0119 kupuje akcje po cenie z pocz\u0105tku okresu \\(P_{n-1}\\); pod koniec okresu te akcje s\u0105 warte now\u0105 cen\u0119 \\(P_n\\) plus dywidend\u0119 po odliczeniu podatku, kt\u00f3r\u0105 od razu si\u0119 reinwestuje. Gdy DRIP jest wy\u0142\u0105czony, sk\u0142adnik \\((1-t)d_y\\) znika, a dywidenda po podatku zamiast tego odk\u0142ada si\u0119 jako got\u00f3wka.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Reinwestycja dywidend \u2013 przyk\u0142ad obliczenia<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Przyk\u0142ad:<\/strong> inwestujesz 10 000 $ w akcj\u0119 notowan\u0105 po 50 $ za sztuk\u0119, z kwartalnie wyp\u0142acan\u0105 stop\u0105 dywidendy 3,5% rocznie. Zak\u0142adasz, \u017ce dywidenda b\u0119dzie ros\u0142a o 5% rocznie, a cena akcji o 4% rocznie, co miesi\u0105c dop\u0142acasz 100 $, dywidendy s\u0105 opodatkowane stawk\u0105 15% i reinwestowane (DRIP) przez 20 lat.<\/p>\n<p>Zaczynasz od \\(10{,}000\/50 = 200\\) akcji. Roczna dywidenda to \\(50 \\times 0.035 = \\$1.75\\) na akcj\u0119, czyli \\(1.75\/4 = \\$0.4375\\) na kwarta\u0142 \u2014 \\(\\$0.3719\\) po podatku, co wystarcza na oko\u0142o 1,5 dodatkowej akcji ponad 300 $ (trzy miesi\u0119czne wp\u0142aty) dok\u0142adane w ka\u017cdym okresie. Przy ka\u017cdej wyp\u0142acie kula \u015bnie\u017cna ro\u015bnie: wi\u0119cej akcji, wi\u0119ksza dywidenda, znowu wi\u0119cej akcji.<\/p>\n<p>\\[ V_{\\text{20 lat}} \\approx \\$95{,}300, \\qquad S_N = \\frac{V_N}{P_N} \\approx \\frac{95{,}300}{50 \\times 1.04^{20}} \\approx 870 \\text{ akcji} \\]<\/p>\n<p><strong>Wynik:<\/strong> oko\u0142o 95 300 $ w ~870 akcjach, kt\u00f3re w ostatnim roku wygeneruj\u0105 z grubsza 3750 $ dochodu z dywidend \u2014 to stopa zwrotu wzgl\u0119dem ceny zakupu rz\u0119du 11% od faktycznie wp\u0142aconych 34 000 $ (\\(10{,}000 + 100 \\times 12 \\times 20\\)); po drodze zebrano \u0142\u0105cznie oko\u0142o 33 000 $ dywidend.<\/p>\n<p>\n\r\n<\/section>\n<h2>Jak korzysta\u0107 z kalkulatora<\/h2>\n<ol>\n<li>Wpisz <strong>Wp\u0142at\u0119 pocz\u0105tkow\u0105<\/strong> i aktualn\u0105 <strong>Cen\u0119 akcji<\/strong> \u2014 razem wyznaczaj\u0105 one startow\u0105 liczb\u0119 akcji.<\/li>\n<li>Wpisz <strong>Stop\u0119 dywidendy<\/strong> i wybierz <strong>Podstaw\u0119<\/strong>: \u201eprocent rocznie\u201d (procent ceny akcji) albo \u201edolar\u00f3w na akcj\u0119 rocznie<br \/>\n","protected":false},"excerpt":{"rendered":"<p>Pokazuje, jak ro\u015bnie portfel dywidendowy, gdy wyp\u0142aty s\u0105 reinwestowane (DRIP). Wpisz wp\u0142at\u0119 pocz\u0105tkow\u0105, stop\u0119 dywidendy, cz\u0119stotliwo\u015b\u0107 wyp\u0142at, tempa wzrostu, dodatkowe wp\u0142aty i podatek od dywidend, aby zobaczy\u0107 ko\u0144cow\u0105 warto\u015b\u0107, liczb\u0119 akcji, przysz\u0142y doch\u00f3d z dywidend oraz stop\u0119 zwrotu wzgl\u0119dem ceny zakupu (yield on cost).<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[48],"class_list":["post-2966","post","type-post","status-publish","format-standard","hentry","category-finanse","tag-inwestycje"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts\/2966","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/comments?post=2966"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts\/2966\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/media?parent=2966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/categories?post=2966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/tags?post=2966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}