When will my dividend principal be 100% recovered?
Your dividend records, on desktop and mobile.
SO Dividend is a free web tool that visualizes when dividends alone will repay your original investment. Without complex spreadsheets, track the payback ratio, projected recovery date, and dividend growth simulation of your US and global dividend portfolio in one screen.
Track your dividend payback without signing up. Connect an account and use sync to continue managing the same portfolio and dividend records across devices.
Why focus on "Payback Ratio"?
The goal of dividend investing is not simply chasing a high yield — it is to safely recover your original capital through dividends. Once payback is complete, the stock becomes a "Free Share" with no downside to your principal. Even if the price is cut in half, your money is already back in your pocket.
For example: invest $10,000 in a 5% yielder with 8% annual dividend growth, and you fully recover your principal around year 14. Every dividend and price gain after that is pure profit. SO Dividend visualizes that exact "payback complete" moment per stock and across your portfolio.
This is a precise simulator that reflects your real cost basis (average price × quantity), exchange-rate swings, additional buys and sells, and dividend reinvestment — not a naive yield calculation.
Three core benefits of SO Dividend
Payback Ratio visualization
Per-stock payback ratio shown as a progress bar. Watching the gauge fill toward 100% provides the psychological fuel long-term investors need.
Compound & dividend-growth simulation
Simulate the J-curve of DRIP and DGR over 10 and 20 years. See the magic of compounding with your own eyes.
Continue your dividend tracking across devices
Organize investments on desktop and record dividends on mobile. Use the same account to continue managing your synced portfolio.
* When used without an account, your records are saved safely in your local browser.
SO Dividend on Naver Blog
Daily cash-flow investing stories, originally written in Korean
- Read Korean original · new tabLATEST월배당 ETF로 매달 통신비와 공과금 지우며 느낀 가계부의 평온
- SCHD와 JEPI 동시 투자 시 포트폴리오 중복 노출과 섹터 편입 비중 점검법Read Korean original · new tab
- 국내 배당주 분기 배당과 월배당 ETF, 가계부 관점에서 비교해 보면Read Korean original · new tab
- SCHD vs JEPI 배당성장과 고배당 월분배 포트폴리오 결합 전략Read Korean original · new tab
Last checked: (KST)
Visit Naver Blog(new tab)Dividend investing glossary
189 beginner-friendly deep-dive term explanations with real examples
Yield on Cost (YoC)
Yield on Cost (YoC) reveals your *true* dividend yield based on your original investment. A key metric for long-term investors.
Payout Ratio
The Payout Ratio shows the dividend percentage of a company's net income. Assess dividend sustainability.
Ex-Dividend Date
The **ex-dividend date** is key for dividend investors. Buy before this date to get paid. Miss it, miss the dividend!
Dividend King
Dividend Kings are elite stocks with 50+ years of dividend increases. Learn how to find and invest in them for reliable income.
Dividend Aristocrat
Dividend Aristocrats are S&P 500 companies with 25+ years of consecutive dividend increases. Reliable income stocks.
Compound Interest
Compound interest is the principle of asset growth where reinvested dividends earn their own returns. Experience the 'eighth wonder of the world' through time and patience.
Dividend Growth Rate
Dividend Growth Rate (DGR) shows how quickly a company's dividend increases. Crucial for long-term income!