Watch your money work harder than you do. Forecast your compound dividend stream, track the "Snowball Day" when payouts surpass your salary contributions, and map when dividends replace your living expenses.
Projected monthly dividend cash flow at the end of the simulation horizon.
Total annual yield produced purely by investment holdings.
The milestone when dividend payouts surpass your own annual cash contributions.
The shaded lime zone represents the compounding mass of reinvested dividend distributions over time.
| Year | Monthly Yield | Annual Dividends | Cumulative Payout | Portfolio Value |
|---|
Tax Rules on Yield
Not all dividend income is treated equally. Account location dramatically changes your net spendable return.
In Canada, dividends from Canadian corporations receive a generous tax credit. For modest earners ($50k income), eligible dividends in a non-registered account are taxed at effective rates as low as 0% to -6%!
Review Canadian Taxes →U.S. equity dividends held in a TFSA or taxable account suffer a 15% foreign withholding tax. Holding U.S.-listed ETFs directly inside your RRSP avoids this 15% drag completely under the bilateral tax treaty.
Asset Location Playbook →High dividend yields (8%+) often signal distressed companies cutting payouts. Sustainable wealth comes from dividend growth and broad index compounding (e.g., VCN, VUN), not artificial yield traps.
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