{"id":3000,"date":"2026-11-04T06:55:46","date_gmt":"2026-11-04T06:55:46","guid":{"rendered":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-de-dividendos-reinvestimento-drip\/"},"modified":"2026-11-04T06:55:46","modified_gmt":"2026-11-04T06:55:46","slug":"calculadora-de-dividendos-reinvestimento-drip","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-de-dividendos-reinvestimento-drip\/","title":{"rendered":"Calculadora de dividendos \u2013 reinvestimento de dividendos (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\">Projete a renda e o crescimento de dividendos com reinvestimento<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"3000\" data-favorite-title=\"Dividendos\" data-favorite-url=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-de-dividendos-reinvestimento-drip\/\" data-favorite-excerpt=\"Projeta como uma carteira de dividendos cresce quando os pagamentos s\u00e3o reinvestidos (DRIP). Informe o investimento inicial, o dividend yield, a frequ\u00eancia de pagamento, as taxas de crescimento, os aportes extras e o imposto sobre dividendos para ver o valor final, a quantidade de a\u00e7\u00f5es, a renda futura de dividendos e o yield on cost.\" aria-label=\"Adicionar aos favoritos\" 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\/pt\/financas\/calculadora-de-dividendos-reinvestimento-drip\/\" method=\"POST\" class=\"calculator\" id=\"calculator-3000\" data-post=\"3000\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Seu investimento<\/span><\/div><div class=\"field is-single\" id=\"input-2\"><label for=\"field-2\">Investimento inicial<\/label><input type=\"text\" name=\"investimento_inicial\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Pre\u00e7o da a\u00e7\u00e3o<\/label><input type=\"text\" name=\"preo_da_ao\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"50\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Taxa de dividendos<\/label><div class=\"field-group\"><input type=\"text\" name=\"taxa_de_dividendos\" 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=\"base_de_clculo\" aria-label=\"Base de c\u00e1lculo\"><option value=\"yield\" selected>% de rendimento por ano<\/option><option value=\"dps\">$ por a\u00e7\u00e3o por ano<\/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\">Como % do pre\u00e7o da a\u00e7\u00e3o (rendimento) ou como um valor em d\u00f3lar por a\u00e7\u00e3o por ano.<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-6\">Frequ\u00eancia de pagamento<\/label><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"frequncia_de_pagamento\"><option value=\"m\">Mensal (12 por ano)<\/option><option value=\"q\" selected>Trimestral (4 por ano)<\/option><option value=\"s\">Semestral (2 por ano)<\/option><option value=\"y\">Anual (1 por ano)<\/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\">Crescimento dos dividendos por ano<\/label><input type=\"number\" name=\"crescimento_dos_dividendos_por_ano\" 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\">Crescimento do pre\u00e7o da a\u00e7\u00e3o por ano<\/label><input type=\"number\" name=\"crescimento_do_preo_da_ao_por_ano\" 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\">N\u00famero de anos<\/label><input type=\"text\" name=\"nmero_de_anos\" 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\">De 1 a 50 anos.<\/small><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-10\">Aporte adicional<\/label><div class=\"field-group\"><input type=\"text\" name=\"aporte_adicional\" 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=\"periodicidade\" aria-label=\"Periodicidade\"><option value=\"month\" selected>$ por m\u00eas<\/option><option value=\"year\">$ por ano<\/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\">Adicionado no in\u00edcio de cada per\u00edodo de pagamento.<\/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\">Reinvestir dividendos (DRIP)<\/label><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-13\">Al\u00edquota de imposto sobre dividendos<\/label><input type=\"text\" name=\"alquota_de_imposto_sobre_dividendos\" 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\">Os dividendos s\u00e3o tributados no momento do pagamento; quando o DRIP est\u00e1 ativado, apenas o valor l\u00edquido de impostos compra a\u00e7\u00f5es.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"3000\">Calcular<\/button><button type=\"reset\">Redefinir<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calcular automaticamente<\/label><small>Se ativado, o resultado \u00e9 atualizado automaticamente quando voc\u00ea altera qualquer valor.<\/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> Sua proje\u00e7\u00e3o de DRIP<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Valor final da carteira<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>N\u00famero de a\u00e7\u00f5es<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"a\u00e7\u00f5es\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Renda de dividendos no \u00faltimo ano<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\/ano\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Rendimento sobre o custo<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Total de dividendos recebidos<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>Total investido<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Dividendos em dinheiro (n\u00e3o reinvestidos)<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Detalhamento ano a ano<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Como sua carteira cresceu<\/span><\/span><span class=\"field-value\" id=\"result-9\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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\">Copiar link para este c\u00e1lculo<\/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>Deixar um coment\u00e1rio<\/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=\"3000\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">O que voc\u00ea achou deste resultado?<\/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\">Curti <\/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\">\u00datil <\/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\">Confuso <\/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\">Decepcionado <\/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\">Impreciso <\/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>F\u00f3rmula do reinvestimento de dividendos (DRIP)<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">F\u00f3rmula<\/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>Onde:<\/strong><\/p>\n<ul>\n<li>\\(V_n\\) \u2014 valor da carteira ao final do per\u00edodo de pagamento \\(n\\) (um per\u00edodo = o intervalo entre dois pagamentos)<\/li>\n<li>\\(C_n\\) \u2014 aporte adicional feito no in\u00edcio do per\u00edodo<\/li>\n<li>\\(P_n\\) \u2014 pre\u00e7o da a\u00e7\u00e3o ao final do per\u00edodo \\(n\\)<\/li>\n<li>\\(d_y\\) \u2014 dividendo por a\u00e7\u00e3o referente a cada pagamento do ano \\(y\\)<\/li>\n<li>\\(D_0\\) \u2014 dividendo anual inicial por a\u00e7\u00e3o (pre\u00e7o da a\u00e7\u00e3o &times; dividend yield, ou informado diretamente em d\u00f3lares)<\/li>\n<li>\\(t\\) \u2014 al\u00edquota do imposto sobre dividendos, na forma decimal (ex.: 0,15 para 15%)<\/li>\n<li>\\(m\\) \u2014 pagamentos por ano: 12 (mensal), 4 (trimestral), 2 (semestral) ou 1 (anual)<\/li>\n<li>\\(g_d\\), \\(g_p\\) \u2014 crescimento presumido do dividendo e do pre\u00e7o da a\u00e7\u00e3o por ano, em %<\/li>\n<\/ul>\n<p>A fra\u00e7\u00e3o diz o seguinte: o valor que voc\u00ea j\u00e1 tem, somado ao novo aporte, compra a\u00e7\u00f5es pelo pre\u00e7o do in\u00edcio do per\u00edodo, \\(P_{n-1}\\); no fim do per\u00edodo, essas a\u00e7\u00f5es valem o novo pre\u00e7o \\(P_n\\) mais o dividendo j\u00e1 l\u00edquido de impostos, que \u00e9 reinvestido imediatamente. Se o DRIP estiver desativado, o termo \\((1-t)d_y\\) desaparece e o dividendo l\u00edquido se acumula em dinheiro.<\/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>Reinvestimento de dividendos \u2013 exemplo de c\u00e1lculo<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemplo:<\/strong> voc\u00ea investe $10.000 em uma a\u00e7\u00e3o negociada a $50, com um dividend yield de 3,5% pago trimestralmente. Voc\u00ea espera que o dividendo cres\u00e7a 5% ao ano e o pre\u00e7o da a\u00e7\u00e3o, 4% ao ano; al\u00e9m disso, faz aportes de $100 por m\u00eas, os dividendos s\u00e3o tributados em 15% e s\u00e3o reinvestidos (DRIP) por 20 anos.<\/p>\n<p>Voc\u00ea come\u00e7a com \\(10{,}000\/50 = 200\\) a\u00e7\u00f5es. O dividendo anual \u00e9 \\(50 \\times 0.035 = \\$1.75\\) por a\u00e7\u00e3o, ou \\(1.75\/4 = \\$0.4375\\) por trimestre \u2014 \\(\\$0.3719\\) ap\u00f3s impostos, o que compra cerca de 1,5 a\u00e7\u00e3o extra, al\u00e9m dos $300 (tr\u00eas aportes mensais) adicionados a cada per\u00edodo. A cada pagamento, a bola de neve cresce: mais a\u00e7\u00f5es, um dividendo maior, mais a\u00e7\u00f5es de novo.<\/p>\n<p>\\[ V_{\\text{20 anos}} \\approx \\$95{,}300, \\qquad S_N = \\frac{V_N}{P_N} \\approx \\frac{95{,}300}{50 \\times 1.04^{20}} \\approx 870 \\text{ a\u00e7\u00f5es} \\]<\/p>\n<p><strong>Resultado:<\/strong> cerca de $95.300 em ~870 a\u00e7\u00f5es, gerando aproximadamente $3.750 de renda de dividendos no \u00faltimo ano \u2014 um yield on cost de cerca de 11% sobre os $34.000 efetivamente investidos (\\(10{,}000 + 100 \\times 12 \\times 20\\)), com aproximadamente $33.000 em dividendos recebidos ao longo do per\u00edodo.<\/p>\n<p>\n\r\n<\/section>\n<h2>Como usar a calculadora<\/h2>\n<ol>\n<li>Informe o <strong>Investimento inicial<\/strong> e o <strong>Pre\u00e7o da a\u00e7\u00e3o<\/strong> atual \u2014 juntos, eles definem com quantas a\u00e7\u00f5es voc\u00ea come\u00e7a.<\/li>\n<li>Informe a <strong>Taxa de dividendos<\/strong> e escolha a <strong>Base<\/strong>: \"% de yield por ano\" (um percentual do pre\u00e7o da a\u00e7\u00e3o) ou \"$ por a\u00e7\u00e3o por ano\"<br \/>\n","protected":false},"excerpt":{"rendered":"<p>Projeta como uma carteira de dividendos cresce quando os pagamentos s\u00e3o reinvestidos (DRIP). Informe o investimento inicial, o dividend yield, a frequ\u00eancia de pagamento, as taxas de crescimento, os aportes extras e o imposto sobre dividendos para ver o valor final, a quantidade de a\u00e7\u00f5es, a renda futura de dividendos e o 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":[51],"class_list":["post-3000","post","type-post","status-publish","format-standard","hentry","category-financas","tag-investimento"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/3000","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/comments?post=3000"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/3000\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/media?parent=3000"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/categories?post=3000"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/tags?post=3000"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}