A free, browser-based dividend calculator that models long-term portfolio growth with monthly contributions, dividend reinvestment, dividend growth, taxes, and price appreciation. It runs a month-by-month simulation where each step accounts for new contributions, dividend payments, tax deductions, optional reinvestment, and compounding price changes. Dividend growth is applied as a steady compounded increase in yield, while returns are calculated using a money-weighted IRR to reflect real cash flow timing. The tool helps users forecast dividend income, yield on cost, and total portfolio value over time with clear year-end projections and transparent assumptions.