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$Dividend Calculator
SCHDETFUpdated on November 5, 2026 • Verify Official Source ↗

SCHD Dividend Calculator

This SCHD dividend calculator estimates your annual dividend income and DRIP share growth for Schwab U.S. Dividend Equity ETF (SCHD). It loads sample baseline settings (3.45% yield, quarterly payouts, and 11.20% 5-year dividend growth) that you can adjust anytime because market yields change daily.

SCHDSchwab U.S. Dividend Equity ETF•Share Price: $86.40•Annual Dividend: $2.98/sh•Starting Shares: 115.74 shares
Data as of 2026-11-05 ([ADD REAL DATA: verify current yield and price; yields change daily]) • Official Source
Live Result Summary (Year 20)Jump to full breakdown ↓
Annual Income$20,994.27
Per quarter$5,248.57
After-Tax/Yr$17,845.13

Calculator Inputs

How do you want to enter your position?
Quick Scenarios (1-Tap Test):
Contribution Frequency
1 yr10 yrs25 yrs50 yrs
Reinvest Dividends (DRIP)Use each after-tax dividend payment to buy more shares
Dividend Tax Rate (%)

Note: Qualified and ordinary dividends are taxed at different rates. Check current IRS rules for your filing status.

Key Results (20 Years)
Annual Dividend (Yr 20)$20,994.27After tax (15%): $17,845.13
Payout Per quarter$5,248.57After tax: $4,461.28
Final Portfolio Value$248,573986.03 total shares
Monthly Average (Yr 20)$1,749.52/moAfter tax: $1,487.09/mo
Total Dividends Earned$118,880.52After tax: $101,048.44
Yield / Yield on Cost36.20% YoCStarting yield: 3.45%
Total Contributions$58,000Added: $48K
Share Price Growth$89,525Rate: 5.5%/yr
DRIP SettingReinvestedquarterly schedule

Portfolio Growth Chart (Contributions, Reinvested Dividends, Price Growth)

20-year projection
Contributions (Bottom)Reinvested Dividends (Middle)Price Growth (Top)
Year 20: $248,573
Contrib: $58KDRIP: $101KGrowth: $89.5K
$0$100K$200K$300K$400KYr 1Yr 5Yr 10Yr 15Yr 20
Portfolio growth breakdown by year
YearCumulative ContributionsCumulative Reinvested DividendsCumulative Price GrowthTotal Portfolio Value
Year 1$12,400$340$628$13,367
Year 2$14,800$804$1,443$17,046
Year 3$17,200$1,414$2,463$21,077
Year 4$19,600$2,198$3,709$25,507
Year 5$22,000$3,188$5,202$30,390
Year 6$24,400$4,420$6,969$35,789
Year 7$26,800$5,940$9,039$41,779
Year 8$29,200$7,802$11,445$48,447
Year 9$31,600$10,069$14,226$55,894
Year 10$34,000$12,816$17,426$64,243
Year 11$36,400$16,138$21,097$73,634
Year 12$38,800$20,142$25,298$84,240
Year 13$41,200$24,964$30,099$96,263
Year 14$43,600$30,766$35,581$109,947
Year 15$46,000$37,746$41,839$125,585
Year 16$48,400$46,146$48,985$143,531
Year 17$50,800$56,262$57,153$164,215
Year 18$53,200$68,463$66,500$188,164
Year 19$55,600$83,203$77,215$216,019
Year 20$58,000$101,048$89,525$248,573

Year-by-Year Dividend and Share Breakdown

Shows ending shares, gross and after-tax dividend income, total contributions, and portfolio value for each year.

Swipe left or right on the table to see all columns →

YearSharesDividend IncomeAfter-Tax DividendTotal ContributionsPortfolio Value
Year 1146.65$399.93$339.94$12,400$13,367
Year 2177.26$545.63$463.78$14,800$17,046
Year 3207.75$718.15$610.43$17,200$21,077
Year 4238.31$922.34$783.99$19,600$25,507
Year 5269.12$1,163.96$989.37$22,000$30,390

How This Calculator Works (Formulas Used)

Updated on March 1, 2026
  • Annual dividend income = shares × annual dividend per share
  • Dividend yield = (annual dividend per share ÷ share price) × 100
  • Yield on cost = (annual dividend per share ÷ average purchase price) × 100
  • Payout per period = annual dividend ÷ payments per year
  • Dividend after tax = dividend × (1 − tax rate)
  • DRIP reinvestment = each after-tax payout buys more shares at that period's share price

Disclaimer: This tool is for education only. Results are estimates based on the numbers you enter, and dividends are not guaranteed. Companies can change or cut their dividends at any time. This is not financial, tax, or legal advice.

SCHD Sample Baseline Metrics

Sample data as of 2026-11-05 ([ADD REAL DATA: verify current yield and price; yields change daily])

Here are the sample figures pre-loaded in the SCHD calculator above. Stock prices and yields move every trading day, so check your brokerage quote and type the latest numbers into the form.

Ticker / TypeSCHD (ETF)
Sample Dividend Yield3.45%
Annual Dividend / Share$2.98
Payout Schedulequarterly
5-Yr Dividend Growth11.20%/yr
Sample Share Price$86.40

Worked Example: $10,000 to $100,000 in SCHD

Using the formula Annual Dividend = Shares × Annual Dividend Per Share, here is how a lump-sum investment in SCHD performs with `$0` monthly additions and DRIP turned on at the sample 3.45% yield:

InvestmentStarting SharesYear 1 Dividend10-Yr Portfolio10-Yr Dividend20-Yr Portfolio20-Yr Dividend
$10,000115.7 sh$345.00/yr$24,529$1,252/yr$77,148$6,540/yr
$25,000289.4 sh$862.50/yr$61,322$3,131/yr$192,870$16,351/yr
$50,000578.7 sh$1,725.00/yr$122,643$6,262/yr$385,739$32,702/yr
$100,0001157.4 sh$3,450.00/yr$245,286$12,524/yr$771,479$65,403/yr

How SCHD (Schwab U.S. Dividend Equity ETF) Works

Tracks the Dow Jones U.S. Dividend 100 Index, screening for 100 high-quality US companies with at least 10 consecutive years of dividend payments, strong cash flow to debt ratios, and high return on equity.

Payout Schedule: Pays quarterly dividends in late March, June, September, and December.

Dividend Track Record: Launched in October 2011, SCHD has grown its annual dividend distribution every single calendar year since inception, combining an above-market starting yield with double-digit historical dividend growth.

Strengths & What to Watch Out For (SCHD)

✓ Strengths

  • •Ultra-low 0.06% expense ratio keeps nearly all dividend income in investors' pockets
  • •Strict fundamental quality screens filter out value traps and unsustainable high yields
  • •Distributions are nearly 100% qualified dividends, offering favorable 0%/15%/20% federal tax rates
  • •Strong historical 5-year and 10-year dividend growth rate alongside capital appreciation

⚠ Common Mistakes & Risks

  • •Excludes Real Estate Investment Trusts (REITs) by index methodology
  • •Lower exposure to mega-cap technology companies can cause underperformance during tech-led bull markets
  • •Quarterly distributions vary slightly from quarter to quarter based on underlying constituent payouts

SCHD Dividend FAQ

Are SCHD dividends qualified or ordinary?

Nearly 100% of SCHD's distributions qualify for favorable US qualified dividend tax rates (0%, 15%, or 20% depending on your taxable income), provided you meet the IRS 61-day holding period requirement around the ex-dividend date.

How often does SCHD pay dividends?

SCHD pays dividends quarterly, typically declaring and distributing payouts in the final week of March, June, September, and December.

Why does SCHD exclude REITs?

The Dow Jones U.S. Dividend 100 Index explicitly excludes Real Estate Investment Trusts so that the fund focuses on traditional operating corporations whose payouts qualify for lower dividend tax rates.

Related Dividend Calculators & Research Guides

DRIP Calculator

See how reinvesting dividends buys extra shares and grows your portfolio over 5 to 50 years.

Dividend Yield Calculator

Find the exact annual dividend yield and income per $10,000 invested from any share price and payout schedule.

Dividend Reinvestment Calculator

Compare portfolio growth with DRIP enabled versus taking dividends in cash side by side.

Monthly Dividend Calculator

Estimate your monthly dividend paycheck and see how much capital you need for a monthly income goal.

Recommended Investor Guides

📖 What Are Dividends? A Plain-English Guide📖 Qualified vs. Ordinary Dividends: US Tax Rules
Ticker DRIP Calculators:SCHD (3.45%)JEPI (7.35%)JEPQ (9.15%)VOO (1.28%)O (5.65%)QYLD (11.6%)View all 12 tickers →
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Disclaimer: This calculator and article are for education and estimation only. They are not financial, tax, or investment advice. Past dividend growth or yield does not guarantee future payouts. Check current SEC filings, fund prospectuses, or a licensed advisor before investing.