SCHD Dividend Calculator
Project your future passive income, total return, and the power of dividend growth with the Schwab U.S. Dividend Equity ETF.
Your Investment
Based on late 2025 market data.
Growth Assumptions
5-year historical avg is ~11%.
Portfolio Growth & Dividend Income
Yearly Breakdown
| Year | Portfolio Balance | Annual Dividend | Yield on Cost |
|---|
Why Use an SCHD Dividend Calculator?
The Schwab U.S. Dividend Equity ETF (SCHD) is a favorite among income investors due to its robust history of dividend growth and capital appreciation. However, understanding the compound effect of reinvesting dividends (DRIP) can be difficult without a proper projection tool.
This calculator allows you to model the "Snowball Effect." By inputting your starting capital, monthly contributions, and estimated growth rates, you can see how consistent investing transforms a modest portfolio into a significant passive income stream over 10, 20, or 30 years.
Frequently Asked Questions
What is the historical dividend growth rate of SCHD?
Historically, SCHD has maintained a double-digit dividend growth rate. Over the last 5 years (ending 2024/2025), the average annual dividend growth rate has hovered around 10% to 12%, significantly outpacing inflation.
Should I turn on DRIP for SCHD?
DRIP (Dividend Reinvestment Plan) is crucial for long-term growth. As shown in the calculator, reinvesting dividends allows you to buy more shares without adding extra capital. These new shares then pay their own dividends, creating a compounding cycle that accelerates portfolio value.
How does the 2024 Stock Split affect my calculation?
SCHD underwent a split in late 2024, bringing the share price to the $27–$28 range. This makes the ETF more accessible to smaller investors. The calculator uses current post-split pricing to ensure your share count accumulation is accurate.
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