When will my dividend principal be 100% recovered?
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.
All data is stored locally in your browser with AES-256 encryption and is never sent to our servers. Try it without signing up, or optionally enable cloud sync to manage the same portfolio 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.
Privacy-first design
Financial data is sensitive. Portfolios are stored locally with AES-256 encryption; cloud sync is fully optional.
Dividend investing insights
From investing philosophy to practical strategy, hand-picked long-form articles
The Destination of Dividend Growth: When and How to Transition from Dividend Growth (SCHD) to High Yield (JEPI/REITs)
Maximize cash flow at the point of retirement. Mathematically analyze SCHD vs. JEPI/REITs crossover points and the 3-2-1 asset transition protocol 5 years pre-retirement.
Global Dividend Tax Traps: Double Taxation Pitfalls and Optimal Asset Location in ISA, Pension Savings, and IRP
The invisible friction on global compounding: Taxes. Decode 15.4% withholding, comprehensive taxation traps, and the quantitative formula for optimal asset location.
Retirement Survival Strategy: Designing 'Principal-Preserving Drawdown' Without Liquidating Share Assets
The critical limitations of the Trinity 4% rule and its modern alternative. Overcome the Sequence of Returns Risk by preserving share counts using a dividend drawdown system.
The True Shield in an Inflationary Era: Quantitative Analysis of Dividend Growth Rate (DGR) vs. CPI
How to protect your wealth during high inflation. We mathematically prove how a 10% Dividend Growth Rate (DGR) shields your purchasing power against a 4% CPI using quantitative simulations.
Dividend investing glossary
189 beginner-friendly deep-dive term explanations with real examples
YoC (Yield on Cost)
YoC는 투자 원금 대비 배당률로, 장기 투자자가 실제 누리는 수익률을 보여주는 핵심 지표입니다. 시간이 지날수록 배당 투자 매력을 극대화합니다.
배당성향 (Payout Ratio)
배당성향은 기업이 순이익 중 배당금으로 지급하는 비율을 나타냅니다. 배당의 지속 가능성과 안정성을 평가하는 핵심 지표이며, 투자 판단에 중요한 역할을 합니다.
배당락일 (Ex-Dividend Date)
배당락일은 배당금을 받을 권리가 사라지는 날입니다. 배당금을 받으려면 배당락일 전일까지 주식을 매수해야 합니다. 하루 차이로 배당을 놓치지 않도록 주의하세요!
배당귀족 (Dividend Aristocrat)
S&P 500 지수 편입 기업 중 25년 이상 배당금을 꾸준히 늘려온 우량주를 뜻합니다. 안정적인 장기 투자 포트폴리오 구성에 적합합니다.
배당킹 (Dividend King)
50년 이상 꾸준히 배당금을 늘려온 '배당킹' 기업! 위기 속에서도 주주와의 약속을 지킨, 배당 투자 끝판왕 종목들을 만나보세요.
복리 효과 (Compound Interest)
복리 효과는 배당금을 재투자하여 이자가 이자를 낳는 자산 증식 원리입니다. 시간과 인내심으로 눈덩이처럼 불어나는 복리의 마법을 경험하세요.
DGR (Dividend Growth Rate)
미래 배당금의 성장 가능성을 보여주는 배당 성장률(DGR)! 물가 상승을 이기는 투자 전략입니다. DGR의 의미와 중요성을 쉽게 이해하고 투자에 활용하세요.