# DividendCalculator.io - LLMs.txt

> DividendCalculator.io is a free, comprehensive dividend investing platform offering 35+ calculators, real-time stock analysis, and educational resources for income-focused investors.

## Site Identity

- **URL**: https://dividendcalculator.io
- **Created by**: Phin Smith (https://phinsmith.net/) — Creator & Lead Developer
- **Reviewed by**: Pavlo Pyskunov (https://www.linkedin.com/in/pavlo-pyskunov/) — Financial Analyst & Content Reviewer
- **Data freshness**: Real-time market data with automatic failover across multiple providers
- **Cost**: 100% free, no account required, no ads

## Core Capabilities

DividendCalculator.io helps investors:
1. Calculate dividend yield, income, and tax impact for any stock or ETF
2. Project long-term wealth growth with DRIP (dividend reinvestment) compounding
3. Compare salary vs. dividend income for tax optimization
4. Track upcoming ex-dividend dates and payment schedules
5. Analyze Dividend Aristocrats (25+ years of consecutive increases)
6. Plan retirement income from dividend portfolios

## Dividend Calculators (23 total)

| Calculator | URL | Purpose |
|-----------|-----|---------|
| Dividend Yield | /dividend-yield-calculator | Calculate yield % from price and dividend; includes after-tax toggle |
| DRIP Calculator | /dividend-reinvestment-calculator | Project wealth growth with dividend reinvestment |
| Income Calculator | /dividend-income-calculator | Calculate total dividend income from a portfolio |
| Tax Calculator | /dividend-tax-calculator | Estimate federal taxes on qualified and ordinary dividends |
| Monthly Planner | /monthly-dividend-calculator | Plan monthly income streams |
| Compound Growth | /compound-dividend-calculator | Interactive area chart showing compound growth with DRIP |
| Payout Ratio | /dividend-payout-ratio-calculator | Analyze dividend sustainability (EPS, FCF, net income methods) |
| Growth Calculator | /dividend-growth-calculator | Project future dividend income growth |
| Per Share Calculator | /dividend-per-share-calculator | Calculate DPS from total dividends and shares outstanding |
| Forward Yield | /forward-dividend-yield-calculator | Calculate forward yield based on expected future dividends |
| Yield on Cost | /dividend-yield-on-cost-calculator | Personal yield based on original purchase price |
| Capital Gains + Dividend | /capital-gains-dividend-calculator | Total return from gains and dividends |
| CD Calculator | /cd-dividend-calculator | Certificate of deposit interest and returns |
| HYSA Calculator | /hysa-dividend-calculator | High yield savings account interest earnings |
| Preferred Stock | /preferred-stock-dividend-calculator | Preferred dividends, current yield, yield to call |
| ETF Calculator | /etf-dividend-calculator | ETF dividend income with expense ratio impact |
| REIT Calculator | /reit-dividend-calculator | REIT dividend income with distribution requirements |
| S&P 500 | /sp500-dividend-calculator | Dividend income from S&P 500 index investments |
| DDM Calculator | /dividend-discount-model-calculator | Intrinsic stock value using the Gordon Growth Model |
| Total Return | /stock-total-return-calculator | Total return including dividends and capital appreciation |
| Dividend Snowball | /dividend-snowball-calculator | Visualize the dividend snowball effect over time |
| Salary vs Dividend | /salary-vs-dividend-calculator | Compare take-home pay: salary vs dividend income |
| Live Off Dividends | /live-off-dividends-calculator | How much you need to live off dividend income |

## International Tax Calculators (5 total)

| Calculator | URL | Key Feature |
|-----------|-----|-------------|
| UK Dividend Tax | /dividend-tax-calculator-uk | 2025/26 allowances and rates |
| Canada Dividend Tax | /dividend-tax-calculator-canada | Eligible/non-eligible gross-up and tax credits |
| Australia Dividend Tax | /dividend-tax-calculator-australia | Franking credits and Medicare Levy |
| Salary vs Dividend UK | /salary-vs-dividend-calculator-uk | UK salary vs dividend income comparison |
| Salary vs Dividend Canada | /salary-vs-dividend-calculator-canada | Canadian salary vs dividend comparison |

## International Dividend Guides (6 total)

| Guide | URL | Focus |
|-------|-----|-------|
| India | /dividend-calculator-india | Tax rules for Indian dividend income |
| South Africa | /dividend-calculator-south-africa | Withholding tax guide |
| New Zealand | /dividend-calculator-nz | Imputation credits guide |
| Singapore | /dividend-calculator-singapore | Tax-free dividends guide |
| Philippines | /dividend-calculator-philippines | Withholding tax guide |
| Malaysia | /dividend-calculator-malaysia | Single-tier tax guide |

## Stock-Specific Calculators (16 total)

Pre-populated with live market data for popular dividend stocks and ETFs:
- SCHD (/schd-dividend-calculator), JEPI (/jepi-dividend-calculator), JEPQ (/jepq-dividend-calculator)
- VOO (/voo-dividend-calculator), VYM (/vym-dividend-calculator), SPY (/spy-dividend-calculator)
- QQQ (/qqq-dividend-calculator), QYLD (/qyld-dividend-calculator)
- Realty Income O (/o-dividend-calculator), Main Street Capital (/main-dividend-calculator)
- MSTY (/msty-dividend-calculator), TSLY (/tsly-dividend-calculator)
- Apple AAPL (/apple-dividend-calculator), Coca-Cola KO (/ko-dividend-calculator)
- AT&T T (/att-dividend-calculator), Altria MO (/altria-dividend-calculator)

## Market Data & Research

### Dividend Calendar (/dividend-calendar)
Track upcoming ex-dividend dates and payment schedules with real-time data freshness timestamps. Includes monthly dividend payers table.

### Dividend Aristocrats (/dividend-aristocrats)
Complete list of S&P 500 companies with 25+ years of consecutive dividend increases with live yield data.

### Stock Profiles (/stocks/{SYMBOL})
Dynamic profiles for any stock: current price, dividend yield, annual dividend, payment frequency, dividend history, sector, market cap, and years of consecutive increases. Example: /stocks/AAPL, /stocks/KO, /stocks/JNJ

## Educational Content (13 guides)

- What Are Dividends? (/what-are-dividends) — Beginner guide
- Qualified vs Ordinary Dividends (/qualified-vs-ordinary-dividends) — Tax differences and holding period rules
- How to Build a Dividend Portfolio (/how-to-build-dividend-portfolio) — Step-by-step construction
- Best Dividend Stocks 2026 (/best-dividend-stocks) — Top picks by yield and growth
- DRIP Investing Explained (/drip-investing-explained) — How dividend reinvestment works
- Dividend Dates Explained (/dividend-dates-explained) — Ex-date, record date, pay date timeline
- Dividend Income Rules (/dividend-income-rules) — IRS tax requirements for 2026
- Dividend Yield Formula (/dividend-yield-formula) — How to calculate yield with examples
- Dividend ETFs (/dividend-etfs) — Best funds for passive income
- High Yield Stocks (/high-yield-stocks) — Top picks and risk analysis
- Monthly Dividend Stocks (/monthly-dividend-stocks) — Best monthly payers including REITs and BDCs
- Dividend Kings (/dividend-kings) — 50+ years of consecutive dividend increases
- Dividend Calculator Guide (/dividend-calculator-guide) — Complete guide to using calculators

## Key Stock Categories

- **Dividend Aristocrats** (25+ years): JNJ, PG, KO, PEP, MMM, ABT, ABBV, CL, EMR, SWK
- **Monthly Payers**: O, MAIN, STAG, AGNC, JEPI, JEPQ, DIVO
- **Dividend ETFs**: SCHD, VYM, HDV, NOBL, VOO, SPY
- **High-Yield (6%+)**: MO, T, AGNC, MSTY, TSLY, QYLD

## Data Sources & Methodology

- **Real-time prices**: Polygon.io (primary), EODHD, Alpha Vantage, Finnhub — automatic failover
- **Economic data**: Federal Reserve Economic Data (FRED)
- **Dividend data**: SEC filings, company investor relations, financial data aggregators
- **Calculations**: Based on standard financial formulas (Gordon Growth Model, DDM, TVM) sourced from SEC, IRS publications, and peer-reviewed research
- **Accuracy**: All formulas are unit-tested with 158+ automated tests

## Contact & Legal

- About: https://dividendcalculator.io/about
- Contact: https://dividendcalculator.io/contact
- Privacy Policy: https://dividendcalculator.io/privacy
- Terms of Service: https://dividendcalculator.io/terms

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This information is provided for educational purposes only. Always verify data and consult a qualified financial advisor before making investment decisions. DividendCalculator.io is not a registered investment advisor.