THE BIG PICTURE
Final portfolio value
What portfolio value results from your assumptions? See how contributions, reinvestment and price development play their part.
FOR IPHONE & IPADIn development
DIVIENTAPlan your dividends
Your portfolio.Your assumptions.Your dividend plan.
Explore how your portfolio and dividends could develop based on your assumptions. Plan contributions and reinvestment while keeping gross dividends, net dividends and taxes in view.
Scenario model – not investment advice
Discover the ideaA view of tomorrow. Based on your assumptions.
THE IDEA
The future is uncertain. Your assumptions don’t have to be.
Not predicting the future. Making assumptions visible.
DIVIENTA is a scenario calculator for long-term dividend planning. You define your starting point and choose how contributions, dividends, reinvestment, price development and taxes should evolve within the model.
The native app then calculates, year by year, what development would result from those assumptions. It does not analyse individual securities or use market data to make predictions.
- 01
Define your starting point
Start with your current portfolio and contribution plan.
- 02
Set your assumptions
Define dividends, reinvestment, price development and tax model parameters.
- 03
Understand the development
See what your assumptions could mean for portfolio value, dividends and capital structure over time.
YOUR ASSUMPTIONS
A scenario starts with you.
Your portfolio is the starting point. Add your contribution plan and assumptions. Each factor is considered separately, then brought together in your scenario.
- 01
Time horizon
How many years do you want to model?
- 02
Starting point
What is your portfolio worth today? Which contributions, reinvested dividends and capital gains are already included?
- 03
Contributions
How much will you invest each year, and by what amount should that annual contribution increase?
- 04
Dividends
What initial yield and dividend growth do you assume? What share of net dividends will you reinvest?
- 05
Price development
What long-term price development should the scenario assume?
- 06
Taxes
What tax rate and available annual tax allowance should the model use?
THE RESULTS
More than a single number at the end.
Understand how dividends, taxes, reinvestment, contributions and price development interact.
ONE PARTICULAR YEAR
Dividend in the final year
Gross income, net income and taxes clearly separated. See how much is reinvested and what remains available to withdraw.
THE COMPONENTS
Capital composition
Your own contributions, reinvested dividends and capital gains or losses, including the amounts already in your starting portfolio.
THE SUM OF THE YEARS
The complete period
All modelled dividends and taxes, total reinvestment and withdrawals across the forecast years.
A CONCRETE EXAMPLE
How assumptions become a scenario.
One starting portfolio. Ten years. Clearly defined assumptions. Here is how development could look within this model.
The starting point
Starting portfolio€10,000
10 years2027–2036
- First annual contribution
- €1,000
- Annual increase
- €100
- Initial gross dividend yield
- 3.5%
- Dividend growth p.a.
- 5%
- Reinvestment
- 100%
View all assumptions
- Price development p.a.
- 3%
- Tax rate
- 26.375%
- Annual tax allowance
- €1,000
- Previously reinvested dividends
- €350
- Existing capital gains
- €300
Previously reinvested dividends and existing capital gains are included in the starting portfolio.
Example scenario model
Portfolio value at the end of 2036
€40,068.50
Portfolio valueIncl. reinvestmentOwn contributions
Scenario model – not investment advice
Final year 2036
- Gross dividend
- €1,637.45
- Modelled taxes
- €168.13
- Net dividend
- €1,469.32
- Net dividend yield
- 3.81%
- Reinvested
- €1,469.32
- Available for withdrawal
- €0.00
Net dividend yield is based on portfolio value before reinvestment at the end of the year.
Calculated monthly amount€122.44
Net dividend in the final year divided by twelve. Actual monthly distributions may vary. With 100% reinvestment, nothing is withdrawn in this example.
Complete period 2027–2036
- Gross dividends
- €9,195.18
- Modelled taxes
- €360.57
- Net dividends
- €8,834.60
Capital composition at the end of 2036
- Total own contributions
- €23,850.00
- Reinvested dividends incl. starting balance
- €9,184.60
- Capital gains
- €7,033.90
Annual values behind the chart
| Year | Portfolio value | Own contributions | Annual contribution | Gross dividend | Modelled taxes | Reinvestment |
|---|---|---|---|---|---|---|
| 2026 – Starting balance | €10,000.00 | €9,350.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| 2027 | €11,734.25 | €10,350.00 | €1,000.00 | €404.25 | €0.00 | €404.25 |
| 2028 | €13,700.09 | €11,450.00 | €1,100.00 | €480.82 | €0.00 | €480.82 |
| 2029 | €15,916.15 | €12,650.00 | €1,200.00 | €569.05 | €0.00 | €569.05 |
| 2030 | €18,402.90 | €13,950.00 | €1,300.00 | €670.27 | €0.00 | €670.27 |
| 2031 | €21,182.94 | €15,350.00 | €1,400.00 | €785.95 | €0.00 | €785.95 |
| 2032 | €24,281.16 | €16,850.00 | €1,500.00 | €917.73 | €0.00 | €917.73 |
| 2033 | €27,707.27 | €18,450.00 | €1,600.00 | €1,067.46 | €17.79 | €1,049.67 |
| 2034 | €31,463.57 | €20,150.00 | €1,700.00 | €1,236.45 | €62.36 | €1,174.09 |
| 2035 | €35,574.93 | €21,950.00 | €1,800.00 | €1,425.75 | €112.29 | €1,313.46 |
| 2036 | €40,068.50 | €23,850.00 | €1,900.00 | €1,637.45 | €168.13 | €1,469.32 |
The values shown result solely from the assumptions listed above. They are not a prediction of actual market developments or future returns. Values are rounded independently to two decimal places. Rounding differences may occur.
YEAR BY YEAR
From the big picture down to a single year.
Follow the development over time. In the app, open an individual year to understand how contributions, dividends, taxes and reinvestment work together.
Annual investments
Your own annual contribution plus dividends reinvested during the year make up the total annual investment.
Portfolio development
Cumulative own contributions, invested capital including reinvestment and portfolio value remain clearly distinguishable.
Annual contributionReinvestment
A closer look at 2036
- Annual contribution
- €1,900.00
- Reinvestment
- €1,469.32
- Total investment
- €3,369.32
KEEP YOUR SCENARIOS
Today’s thoughts. Ready for tomorrow.
Save your assumptions as individual scenarios and return to them later. Scenarios can be loaded, renamed and updated.
- Save
- Load
- Rename
- Update
Your data stays on your device.
PRIVATE BY DESIGN
Your financial planning stays with you.
DIVIENTA does not require an account or a cloud service. Your scenarios are stored locally on your iPhone or iPad.
No account required
Use the app without creating a user account.
Works offline
You do not need an internet connection to calculate your scenarios.
Local scenarios
Your saved scenarios remain on your device.
This website takes the same restrained approach: no tracking, cookies or external fonts.
Read the website privacy noticeHOW DIVIENTA CALCULATES
Transparent instead of a black box.
DIVIENTA calculates in annual steps. Your contribution is invested at the beginning of each forecast year. The model price and dividend per model unit develop according to your assumptions. Modelled taxes are deducted from the gross dividend, and the selected share of net dividends is reinvested at the end of the year.
- 01
Add contribution
- 02
Add model units
- 03
Update price and dividend
- 04
Calculate gross dividend
- 05
Model taxes
- 06
Calculate net dividend
- 07
Reinvest the selected share
- 08
Revalue the portfolio
Model units purchased from reinvested dividends begin generating dividends from the following forecast year.
More about the model
- Model units are mathematical units, not actual securities.
- Dividend growth and price development are independent assumptions. Both are applied from the first forecast year.
- Fees and inflation are not currently modelled.
- Individual tax circumstances are not covered. A subsequent sale of the portfolio and any associated taxation are outside the calculation.
- Tax parameters are model inputs and do not constitute tax advice.
CURRENT STATUS
DIVIENTA is taking shape.
The app is currently in development. This website offers a look at its concept, features and calculation model. Actual app screenshots will be added once the interface is sufficiently finalised.
In development · not yet released
- iPhone & iPad
- German & English
- Light & dark appearance
DIVIENTA · Plan your dividends
Think dividends forward.
Long-term development starts with assumptions. DIVIENTA makes visible where those assumptions could lead.
For iPhone and iPad · In developmentAbout byteFunke (opens in a new tab)