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Dividend Income Calculator

How much a stock or ETF pays you, now and in the future, with and without reinvesting the dividends.

SPHYState Street SPDR Portfolio High Yield Bond ETF
Price$22.55
Annual dividend$1.67
Yield7.39%
PaysMonthly
Growth streak—
5-yr dividend growth3.20%/yr

$10,000 in SPHY buys 443.46 shares and pays about $739 a year today ($61.57 a month).

Reinvesting dividends

Yearly income in year 10
$2,114
Dividends received in total
$13,060
Value after 10 years
$28,620
Shares owned
926.25
Yield on money invested
21.14%

Taking dividends as cash

Yearly income in year 10
$1,012
Dividends received in total
$8,695
Value after 10 years (shares + cash received)
$22,398
Shares owned
443.46
Yield on money invested
10.12%

Dividend income per year

ReinvestingAs cash
YearIncome (reinvesting)Income (cash)Value (reinvesting)Value (cash)
1$778$752$11,109$11,072
2$864$776$12,341$12,177
3$960$800$13,709$13,319
4$1,066$826$15,229$14,496
5$1,184$852$16,917$15,712
6$1,316$880$18,793$16,966
7$1,462$908$20,877$18,261
8$1,624$937$23,192$19,596
9$1,804$967$25,763$20,975
10$2,004$998$28,620$22,398

Future income assumes the dividend and share price grow at the rates above, every year; actual dividends can be cut or raised. Past results use real daily closing prices and every cash dividend paid (adjusted for stock splits), with dividends reinvested at the closing price on the pay date. Taxes and trading costs are not included.