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Stock Dividend Calculator

This stock dividend calculator answers the one question a dividend income calculator is asked about right now: how much dividend income do the shares I hold pay me? Type the shares you own, the dividend one share pays each time, and how many times a year it pays. Out comes the income per payment, per year and per month. Add the average price you paid and the page doubles as a dividend yield calculator, printing the yield on cost beside the income; add a current price for the market value and the yield at that price. Every figure comes from the numbers you type, the arithmetic is printed underneath, and there is no year count and no growth rate anywhere on this page — it works out what the dividends you already receive come to.

Your holding

Shares you hold now The holding as it stands today, not a number of shares you plan to reach.
Dividend per share, per payment What one share pays you each time — not the yearly total, and not the yield percentage.
Payments a year Quarterly is the common one. Pick Other for anything else and a box opens for the count.
Your average cost per share — optional What you paid per share, on average. Add it for the cost of the holding and the yield on cost; leave it empty and those two stay out of sight.
Current price per share — optional Add it for the market value and the yield at that price. There is no price lookup on this page: the price is yours to type.
Annual dividend income — from the figures you typed —
Per payment —
Monthly average —

How the dividend income is worked out

One payment is costed on the whole holding, the year is that payment times the number of payments, and the month is the year divided by twelve. Nothing else is involved.

Worked example: 500.0000 shares paying 0.25 per share four times a year, bought at an average cost of 40.00, with a current price of 50.00. One payment is 500.0000 × 0.25 = 125.00, the year is 125.00 × 4 = 500.00, and the monthly average is 500.00 ÷ 12 = 41.66. The holding cost 500.0000 × 40.00 = 20,000.00, so the yield on cost is 500.00 ÷ 20,000.00 × 100 = 2.50%. At 50.00 the market value is 500.0000 × 50.00 = 25,000.00, the dividend per share a year is 0.25 × 4 = 1.00, and the yield at that price is 1.00 ÷ 50.00 × 100 = 2.00%. Type those four figures in and the page returns every one of them.

One holding read three ways, and the two yields that come off the same year of income. The figures are the worked example above: 500.0000 shares, 0.25 a share, four payments a year.

One dividend read as a payment, a year and a month, with the two yields Three boxes. One payment is 125.00, the year is 500.00, the month is 41.66. Below, yield on cost is 2.50 per cent and the yield at a price of 50.00 is 2.00 per cent. One holding, three ways to read the same dividend 500.0000 shares, 0.25 a share, 4 payments a year One payment 125.00 500.0000 × 0.25 A year 500.00 125.00 × 4 payments A month 41.66 500.00 ÷ 12 Two yields off the same 500.00 a year Yield on cost, on 20,000.00 paid 2.50% Yield at a price of 50.00 2.00% Both come from the figures you type, and both are cut down at two decimals, the rule stated on this page. They differ only in the bottom of the fraction: what you paid, or what the shares are worth now.

The same 1,200.00 a year, against the twelve months it falls into. 500 shares, 0.60 a share, four payments a year.

A monthly average of 100.00, and the months that actually pay Twelve months in a row. Four of them pay 300.00 each, the other eight pay nothing. A dashed line at 100.00 runs across all twelve: that is the annual income of 1,200.00 divided by twelve, and no single month pays it. A monthly average of 100.00, and the months that actually pay 500 shares, 0.60 a share, four payments a year: 300.00 each time, 1,200.00 over the year. 0 monthly average 100.00, paid in no month at all 300.00 300.00 300.00 300.00 1 2 3 4 5 6 7 8 9 10 11 12 Four months carry the whole year between them; eight carry nothing. The 100.00 is 1,200.00 divided by twelve, which is a way to read the year, not a payment that arrives.

The monthly figure on this page is the year divided by twelve, which is why it is called an average on the results and not a payment. With four payments a year, four months bring the whole year in and eight bring nothing, so no month pays what the average says. If your payments really are monthly, pick 12 payments a year and the two figures meet; at any other count the annual line is the one that describes the money.

Note the two yields measure different things, and both are printed: yield on cost divides the income by what you paid, the yield at the current price divides it by what the shares are worth now. When the price has risen since you bought, the first reads higher than the second; the gap between them is the same thing from two sides.

Both come from the same dividend yield formula — a year of dividend money, divided by what those shares stand against, times one hundred: annual dividend income ÷ cost of the holding × 100 for the yield on cost, and dividend per share a year ÷ current price × 100 for the yield at the price you type.

Rounding: every figure on this page is rounded down, never up — the same rule as the rest of the site. Share counts and per-share amounts are shown to four decimals, money and percentages to two, so the number you read is never larger than the one that was computed. The monthly average is the annual figure divided by twelve and then rounded down, so twelve of them can fall a cent or two short of the year — the annual line is the one to trust.

Payout ratio: this company's dividend against its own earnings

A payout ratio is one company's dividends divided by that same company's earnings, and this page has no field for either side of that division — earnings are not a figure you hold, and nothing here fetches one. Unlike the two yields above, this ratio does not measure anything about your holding; it measures the company that paid you. Here is the arithmetic in full, so the part you can do here is separate from the part only the company's own report carries.

Dividend per share a year = dividend per share × payments a year
Payout ratio = dividend per share a year ÷ earnings per share × 100

The top half is a figure this page prints already: the dividend one share pays over a year, which is the dividend per share you type multiplied by the payments a year. The bottom half is earnings per share, and it belongs to the company rather than to your position — it comes from that company's own report for the period, and no request leaves this page to get it, so it is a number you bring, not one this page looks up. Then it is one division and a multiply by a hundred, because a ratio written as a percent is easier to read across several companies than the same thing written as a decimal.

Worked once, with the example above: a share paying 0.25 four times a year pays 1.00 over the year. Against earnings per share of 2.00, the payout ratio is 1.00 ÷ 2.00 × 100 = 50% — the company paid out half of what it earned a share. The same 1.00 against earnings of 0.80 gives 1.00 ÷ 0.80 × 100 = 125%, which reads as a company paying out more than it earned, and that reading is arithmetic, not a judgment: the two figures come from the same two inputs and nothing else is being claimed about either. Against earnings of 0.00 there is no ratio at all, and a division by zero here produces nothing rather than a number.

Two things about the inputs deserve saying, because they are the usual sources of disagreement between two people comparing this figure. The period has to match on both sides: a dividend paid over twelve months belongs over earnings measured over the same twelve months, and earnings covering a different stretch give a ratio that mixes two intervals. And the two yields above are not this figure: yield divides the dividend by a price — what the market asked for the shares — while a payout ratio divides it by earnings, which is what the company actually made. One moves with the market, the other does not.

Where that leaves this page. The division is stated above and you can work it with any figures you have; the earnings figure is not here, is not typed in anywhere on this page, and nothing here reads it from a filing. What this calculator supplies is the upper line and nothing below it.

This page counts what already happened

There is no field for how many years you will hold, and there is no field for a growth rate — no dividend growth, no price growth, nothing of the kind. This page is not built to be pointed at a date ahead of today. It takes the dividends your holding pays, at the rate you say it pays them, and tells you what they come to: per payment, per year, per month.

That is why the four boxes are the whole page. A dividend that has not been declared yet is not a number you have, and a number you do not have cannot be typed in — so this page does not invent one. If the dividend changes, change the box, and the answer changes with it.

How this page differs from the dividend reinvestment calculator

The two pages start from the same place — a holding and its dividends — and then go in different directions, so use the one that matches your question:

So: what do my shares pay me? is this page. What do my shares become if I keep buying more with the dividends? is that one. Neither page needs the other's answer, and neither asks you for a year count.

Put the other way round: if what you are after is a compound dividend calculator — dividends going back into more shares — that is the reinvestment page; this one is the simple dividend calculator, where the dividend is money you receive and the share count stays where you put it.

What is counted, and what is not

This page uses only the share count, the dividend per share, the number of payments, and — if you type them — the average cost and the current price. Nothing else goes into the arithmetic.

Nothing here asks what you hold, so the same four boxes serve as an etf dividend calculator: a fund that pays 0.25 per unit four times a year is costed exactly like a share that pays 0.25 four times a year.

The result describes the holding and the dividend you entered. It is not a view on whether that holding is worth keeping, and this page takes no position on it.

Frequently asked questions

What does this dividend calculator work out?

From the figures you type: your dividend income per payment, your annual dividend income, and the monthly average. With your average cost it adds the cost of the holding and the yield on cost. With a current price it adds the market value and the yield at that price. All of it is printed as arithmetic using your own numbers, underneath the results.

How do I calculate how much dividend I will get?

Three figures, in this order: how many shares you hold, what one share pays each time, and how many times a year it pays. The first two multiply into one payment, that payment multiplies by the count into the year, and the year divides by twelve into the monthly average. On this page you type those three and all three answers come back, each with the arithmetic printed under it: 500.0000 shares at 0.25 a share is 125.00 a payment, four payments a year makes 500.00 a year, and 500.00 ÷ 12 is 41.66 a month.

Two questions that sound like this one are not. If you already know the income you want and need the capital behind it, the arithmetic runs the other way, and the monthly dividend calculator takes a target income a month plus a yield and works back to it. And "how much will I get" is a before-tax figure here: what actually reaches your account is the dividend tax calculator's question, and there is no tax field on this page.

Is a stock dividend calculator the same as a dividend income calculator?

In everyday use, yes — both names are used for the same job: shares held, dividend per share, and what that comes to. This page does that job, and it splits the answer three ways — per payment, per year and per month — because the same holding reads very differently across those three.

Is this a dividend investment calculator or a dividend portfolio calculator?

Neither, in the way those two names are usually meant. This page works out what a holding you already have pays you — it does not pick anything to put money into, and it takes one holding at a time. For several holdings, run it once for each and add the answers yourself.

Can I use this as a dividend etf calculator?

Yes. Nothing on this page asks what you hold, so a unit in a fund is costed like a share in a company: type how many units you hold, what one unit pays each time, and how many times a year it pays.

How do I see my monthly dividend income?

Enter the shares you hold, the dividend one share pays, and how many times a year it pays; the monthly average is in the results, and the line under it shows the sum — the annual income divided by twelve. If the payments really are monthly, pick 12 payments a year and the per-payment figure and the monthly figure will meet.

How is annual dividend income worked out here?

One payment is the shares you hold times the dividend per share; the annual income is that payment times the number of payments a year. For 500.0000 shares at 0.25 per share, paid four times a year: 125.00 a payment, 500.00 a year. The page prints both lines exactly as it worked them out.

What counts as a dividend payout on this page?

Whatever you type into the dividend box, applied to every payment in the year: an ordinary cash dividend, in the currency you think in. Special dividends, return of capital and share dividends are not handled — there is no field that would treat them differently, and a payout that happens once is better run as its own calculation.

How do I calculate dividend yield on this page?

Two ways, and the page does both. Yield on cost divides the annual income by what you paid for the holding — type your average cost per share and it appears. Yield at the current price divides the dividend per share a year by a current price — type the price and that one appears. They answer different questions: the first is measured against your cost, the second against what the shares are worth now.

Does it ask how many years I will hold, or for a growth rate?

No. There is no field for either, on purpose. This page works out what the dividends you already receive come to — the holding as it stands, the dividend as you typed it. Nothing here is carried forward to a later date, and no rate of increase is applied to anything.

Can it look up my dividend or my price?

No. There is no lookup on this page and no connection to any market data source — no quote, no dividend history, no payout calendar. This page would rather show nothing than show a number it did not get from you, so you type the dividend and, if you want the market value and the yield, the price.

Is this a dividend payout ratio calculator?

It supplies one half of one. The upper half of that ratio — what one share pays over a year — is printed above from the dividend per share and the payments a year you type. The lower half is earnings per share, and it is not here: no field takes it, nothing is fetched, and no figure on this page is read from a company report. So the division itself is stated on this page and can be worked with your own figures, but this page does not complete it for you. For the income those dividends come to per payment, per year and per month, and the two yields above, use the fields at the top.

Does it count taxes?

No. There is no tax field anywhere on this page, so every figure it returns is before tax. What actually reaches you depends on where the company is domiciled, on your own tax position and on any withholding, none of which is asked for here.

Does it handle reinvesting the dividends?

Not here — on this page the share count stays where you put it and the dividend is money received. The dividend reinvestment calculator is the page for the other question: it works out how many shares each payment buys and what that does to your cost and your income.

How does this page sit beside the other calculators here?

They work on the cost; this one works on the income. The stock average calculator pools buys into an average cost, the average down calculator shows what one more purchase does to it, the DCA calculator takes the money invested each period instead of share counts, the dividend reinvestment calculator puts dividends back into shares, and the stock profit calculator settles the sale. This is the one that answers what the holding pays you.

Does this page tell me whether I should hold these shares?

No, and nothing here should be read that way. The page does the arithmetic on the holding you describe; it does not rank that holding against any other, compare it with anything, or tell you what to do with your money. It answers one question only: given these shares and this dividend, what does it pay me?

Does it work on my phone, and do I need an account?

Yes to the first, and no to the second. The fields stack to a single column on a narrow screen and the results stay inside the width of the page. There is no sign-up, no pop-up and nothing to install: the whole calculation runs in your browser, and your numbers are not sent anywhere.

This page is a calculator, not investment advice. A dividend figure is not a reason to buy, and a small one is not a reason to sell. Contact: contact@stockavg.com