compoundcoast

Dividend & income calculators, by ticker

Not every high yield is a dividend. These calculators are grouped by what the fund actually is — a growing qualified dividend, a covered-call option-premium distribution, a REIT's ordinary-income payout, or a broad-index total return — because each is taxed differently and some can pay out more than the underlying can sustainably earn. Pick a fund and project its income the honest way: a range, not a single number, modeled after tax for the account you choose.

29 tickers · 4 categories yields asOf 2026-06 Updated 2026-07-31

Dividend growth

Qualified · 0/15/20% LTCG rates

Quality-screened equity funds that pay a growing per-share dividend. Distributions are generally qualified (taxed at long-term capital-gains rates), and there is no NAV erosion — dividend and price compound together.

Covered-call income

⚠ Ordinary income · NAV-erosion risk

High option-premium distributions, not growing dividends. Written calls cap upside, so per-share growth is modeled at zero and the model caps assumed total return at a conservative ceiling, booking the surplus as NAV drag. Taxed as ordinary income (JEPI/JEPQ, up to 37%) or as §1256 gains + return-of-capital (SPYI) — heaviest in a taxable account. Each calculator flags the NAV-erosion drag and the after-tax gap.

REIT income

Ordinary income · §199A eligible

A monthly-paying real-estate distribution. Mostly non-qualified ordinary income (taxed at your marginal rate, with a §199A deduction on the eligible slice and some return-of-capital), but with no systematic NAV erosion — the payout grows slowly and principal is preserved.

Broad index

Qualified · total-return, low yield

Total-return funds held for price growth, not income. The dividend is small and qualified, so the annual tax drag is minor; most of the return is deferred capital gains realized only when you sell. The portfolio-value line does the work here, not the income line.

Compare two funds head-to-head

Same engine · after-tax

Side-by-side projections that run both funds through the identical engine and rank them by after-tax income and terminal value — so the growth-vs-income and taxable-vs-Roth trade-offs are explicit, not implied. A few of the most-asked pairings are below, one from each decision type; the full set lives in the comparison directory.

See all 17 fund comparisons, grouped by anchor fund →

How these calculators work — and why the categories matter

Each calculator starts from that fund's current distribution yield, its per-share distribution growth, and its expense ratio — the figures on each card, sourced from the fund provider and dated asOf 2026-06. You set the starting investment, monthly contribution, horizon, whether distributions are reinvested (DRIP), and the account (taxable / Traditional IRA / Roth). The projection compounds forward and reports annual income, portfolio value, and yield-on-cost at your chosen year — every output a low / base / high scenario range, because forward growth is an editorial preset assumption, not a prediction.

The category grouping is not cosmetic. Dividend-growth and broad-index funds pay qualified dividends taxed at 0/15/20% and compound cleanly. Covered-call income funds (JEPI, JEPQ, SPYI) do not: their distribution is option-premium driven — modeled at zero per-share growth, taxed as ordinary income or §1256/return-of-capital, and capped by a conservative total-return ceiling whose surplus the calculator subtracts from price growth and flags as a warning. REIT income (O) is ordinary income with a §199A deduction. Labeling all of these simply "dividends" would overstate both the growth and the after-tax result — which is exactly what these calculators are built not to do. Educational estimates, not investment advice.

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