Dividend Calculator
A free dividend income calculator for any US-listed stock or ETF. Pick a company, enter how much you would invest, and see the income it pays — per year, per payment, and averaged per month. Every figure comes from the company’s real dividend history rather than an estimate.
Your investment
JPM
JPMorgan Chase & Co.
1.64%
yield
Dividend income
$10,000 in JPM pays you
$164.30
per year
- Paid each quarter
- $41.08
- Monthly average
- $13.69
- Shares bought
- 27.38
- Payments a year
- 4
When it pays
Based on actual ex-dividend dates over the last twelve months.
Total over 10 years, taken as cash
$1,643.03
Based on the trailing twelve-month dividend, assuming it stays flat. Payments are not guaranteed and can be cut or suspended at any time. Figures are before tax and exclude any change in the share price.
How the calculation works
Dividend income is the amount invested multiplied by the dividend yield. A $10,000 position in a stock yielding 4% pays $400 a year. That figure is then divided by the number of payments the company actually makes — quarterly for most US companies, monthly for many REITs and funds — to give the size of each individual payment.
The yield used here is the trailing twelve-month figure: the dividends actually paid over the last year divided by the current share price. It is a record of what happened, not a forecast. Special and one-off distributions are excluded, because they do not recur and would overstate the income a new investor can expect.
The multi-year total assumes the dividend stays flat and that you take the income as cash. Both assumptions are deliberately conservative. Companies with a growth record tend to raise their payments over time, which would increase the total; companies in difficulty cut them, which would reduce it. If you reinvest the dividends instead of spending them, the total compounds — that is a different calculation, and the DRIP calculator handles it.
Figures are shown before tax. How dividends are taxed depends on your country, your income, and the type of account the shares are held in, so the amount you keep will usually be lower than the amount shown.
What this does not tell you
A high yield is not the same as a good investment. Yield rises when a share price falls, so the highest-yielding stocks are often the ones the market expects to cut their dividend. This calculator takes the current yield at face value and does not judge whether the payment is sustainable — check the payout ratio and the company’s dividend history before relying on any figure here. Nothing on this page accounts for changes in the share price itself, which will usually dominate your total return over the periods shown.
Frequently asked questions
- How do I calculate dividend income?
- Multiply the amount invested by the dividend yield. $10,000 in a stock yielding 4% pays $400 a year. To find the size of each individual payment, divide that by the number of times the company pays per year — four for most US companies, twelve for many REITs and funds. The calculator above does both, using each company's real payment schedule rather than assuming quarterly.
- How much do I need to invest to make $1,000 a month in dividends?
- $1,000 a month is $12,000 a year, so divide $12,000 by the yield you can achieve. At a 4% yield that requires $300,000; at 3% it is $400,000; at 6% it is $200,000. The temptation is to solve the problem by reaching for a higher yield, but yields above roughly 8% usually carry a meaningful risk of the dividend being cut — in which case the income you were relying on falls at exactly the wrong moment. Most income portfolios land between 3% and 5%.
- How much do I need to invest to make $500 a month?
- $500 a month is $6,000 a year: roughly $150,000 at a 4% yield, $200,000 at 3%, or $120,000 at 5%. Enter a figure in the calculator above and adjust it until the annual income matches your target.
- Is this a dividend yield calculator too?
- Yield is shown for whichever stock you select, taken from its trailing twelve-month payments divided by the current share price, so you do not need to compute it separately. If you want to compare yields across many companies at once, the ranking pages list every US dividend payer sorted by yield.
- Do these figures account for tax?
- No. All figures are before tax. How dividends are taxed depends on your country, your income, and whether the shares sit in a tax-advantaged account, so the amount you actually keep will usually be lower than the amount shown.
- Does the calculator include dividend reinvestment?
- No. The multi-year total assumes you take the income as cash and that the dividend stays flat, which is deliberately conservative. Reinvesting dividends compounds the total and is a different calculation with its own growth assumptions.