About divcalc.io

What this site does

divcalc.io is a collection of dividend calculators — a general projection tool, a handful of variants (DRIP, yield, compound, monthly income, growth, after-tax, income needed, payout ratio), and ticker-specific pages for popular dividend names like SCHD, JEPI, JEPQ, DGRO, VYM, MSTY, ULTY, and YMAX. Each one projects dividend income, share count, and portfolio value year by year, given the inputs you supply.

Every calculation runs in your browser. There is no account to create, nothing to install, and no inputs that get sent off to a server.

Why we built it

Most existing dividend calculators have at least one of three problems: they sit behind a signup or paywall, they ship a 2010-era UI, or they skip key features that income investors actually care about — after-tax modeling, weekly payout cadence, split-adjusted dividend growth. We built divcalc.io because there was no single free tool that handled all of that at once.

How we're different

• Client-side, no signup. The math runs in your browser. Your inputs never leave your tab. We don't need an email to compute compound interest.
• Ticker pages with real data. The SCHD, JEPI, MSTY and other ticker calculators pre-fill the current yield, 5-year dividend growth rate, and recent price from Polygon.io snapshots — not made-up defaults.
• Split-aware history. When we compute a 5-year dividend growth rate, we adjust pre-split distributions for any stock splits that happened afterward, so the CAGR reflects what a continuous shareholder actually experienced.
• Weekly payout support. YieldMax products like ULTY and YMAX distribute weekly. Most calculators only handle quarterly or monthly. We model the actual cadence.

Who runs this

divcalc.io is a solo project by Yona Yinhong. Background: software engineer working on data systems and finance tooling, with a personal interest in dividend investing and an allergy to bad UX. Reachable at [email protected].

Data source

Dividend history, stock splits, and prior-close prices come from the Polygon.io REST API. We refresh snapshots manually with a build-time script and check the resulting JSON into the repository. Each ticker page shows when its snapshot was last fetched. See the methodology page for details.

What's next

On the roadmap: a portfolio-level dividend tracker, an ex-dividend calendar, and broker affiliate integrations to help readers act on what they learn. None of those are live yet. When affiliates launch, links will be clearly disclosed.

Get in touch

Feedback, ticker requests, math bugs, data corrections, or feature ideas — all welcome at [email protected].