Prospyr calculator
Find out instantly whether your DRIP is sustainable and how many shares stand between you and Fortress status.
Optional: Look up a ticker to pre-fill
New capital invested at this frequency at the current share price.
Your DRIP status will appear here
Enter share price, shares owned, dividend per share, and payment frequency.
A DRIP uses cash dividends to buy more shares of the same investment. The goal is to turn each payment into additional ownership without manually placing a trade.
For whole-share DRIPs, the dividend payment has to cover the cost of at least one share. If the payment is too small, the cash may sit idle instead of creating new shares.
Coverage Ratio is Prospyr's way of measuring DRIP sustainability. It divides dividend income per cycle by the cost of one share.
A Coverage Ratio above 1.00x means the dividend cycle can cover one share. Higher ratios show more room before price changes or fees weaken reinvestment.
Fortress Status begins at a Coverage Ratio of 1.15x. That means the dividend cycle clears the reinvestment threshold with a buffer.
The buffer matters because share prices, commission drag, and dividend changes can move a DRIP closer to the break line over time.
DRIP Buffer is the dollar cushion between income per cycle and the cost of the next DRIP share.
A positive buffer means the current dividend payment has room above the reinvestment threshold. A negative buffer shows the dollar gap to restore coverage.
Prospyr estimates the number of shares needed for dividend income per cycle to reach the Fortress threshold.
The calculation uses share price, dividend per share, current shares owned, and the 1.15x Fortress Coverage Ratio threshold.
Use the next Prospyr calculator when you are ready to go deeper.
Last reviewed · Methodology
Last reviewed April 2026. Calculations use dividend per share, share count, payment frequency, share price, and Prospyr Coverage Ratio thresholds.
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Freshness and methodology
April 2026 with 2026 CRA planning inputs.
Calculations use dividend per share, current share price, and reinvestment frequency to model DRIP sustainability and coverage ratios.
Updated for 2026 CRA limits · Last verified April 2026
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