Disclaimer

Educational use only

divcalc.io is provided for educational and informational purposes only. The numbers it produces are hypothetical projections driven by your inputs and our default assumptions. They are not a recommendation, not investment advice, not a solicitation to buy or sell any security, and not a forecast.

Using the site does not create an advisor-client, broker-client, or fiduciary relationship between you and divcalc.io. We do not know your financial situation, your goals, your tax bracket, or your risk tolerance — and we cannot give advice tailored to them.

Past performance is not a forecast

A 5-year dividend growth rate is a measurement of what happened, not a guarantee of what comes next. Companies cut dividends. ETFs change distribution policy. Yields rise and fall with prices. The same ticker that grew its payout for a decade can suspend it next quarter.

Constant-growth is an approximation

Every projection on divcalc.io assumes a constant dividend growth rate and a constant price growth rate over the projection horizon. Real markets are nothing like that. They have drawdowns, recessions, sector rotations, dividend freezes, special distributions, and tax-law changes. A twenty-year projection at a clean 8% line is a teaching tool, not a plan.

Ticker data may be stale

The ticker pages display snapshots of dividend, split, and price data pulled from Polygon.io. The snapshots are refreshed periodically — we aim for monthly, but individual tickers may be hours, days, or in rare cases weeks behind the live market. Each ticker page shows when the snapshot was last fetched. Before making a real decision, verify the numbers against your brokerage or the official issuer page.

Tax modeling is simplified

The after-tax calculator uses simplified U.S. federal-only assumptions: the qualified-dividend brackets (0%, 15%, 20%) or ordinary-income rates, depending on the toggle. It does not model state income tax, the Net Investment Income Tax (NIIT), the Alternative Minimum Tax (AMT), return-of-capital (ROC) reclassifications common to option-income ETFs, foreign withholding, or wash-sale rules. Real tax outcomes will differ. Use a CPA, not a free web calculator, for tax planning.

You bear all investment risk

Every investment decision you make is yours alone. divcalc.io, its operators, and its contributors accept no liability for any trades, allocations, tax outcomes, missed opportunities, or losses arising from your use of the site. To the maximum extent permitted by law, the site is provided “as is,” without warranties of any kind.

Talk to a real advisor

For personalized guidance — especially anything involving retirement accounts, large position changes, options strategies, tax-loss harvesting, or estate planning — consult a qualified financial advisor, CPA, or attorney who knows your full situation.