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SCHD Dividend Calculator: Estimate Your Income From Schwab U.S. Dividend Equity ETF

The Schwab U.S. Dividend Equity ETF (SCHD) is one of the most popular dividend ETFs among income investors. It combines a history of dividend growth with a focused portfolio of quality, dividend‑paying U.S. stocks.

If you hold SCHD or are thinking about buying it, one of your first questions is usually: “How much dividend income will I get from my SCHD shares?”

A SCHD dividend calculator answers that question quickly. You enter:

• How many shares you own (or plan to own)
• The current share price
• The current or estimated annual dividend per share

…and the calculator estimates your:

• Total annual dividend income
• Approximate quarterly income
• Dividend yield based on the current price
• Yield on cost, based on what you’ve paid

This guide explains how a SCHD dividend calculator works, shows real‑world examples using 2025 data, and answers common questions.

SCHD at a glance (data as of December 9, 2025)

Based on the information you provided:

• Fund: Schwab U.S. Dividend Equity ETF (SCHD)
• Current share price: $27.58
• Estimated annual dividend (2025): $1.03 per share
• Annual dividend yield: 3.76%
• Dividend frequency: Quarterly (4 times per year)
• Expense ratio: 0.06%

SCHD also has:

• A long history of dividend growth (over a decade of annual increases).
• Through the first three quarters of 2025, SCHD paid out $0.7694 per share.
• A Q4 dividend of about $0.23 or more would be needed to extend its streak to 14 consecutive years of increases.

These numbers make SCHD attractive to investors who care about reliable, growing dividend income.

How the SCHD dividend calculator works (formulas)

A SCHD dividend calculator is built on a few simple formulas.

Annual dividend income

The basic formula: Annual Dividend Income = Number of Shares × Annual Dividend per Share

Example (using your 2025 estimate):

• Shares: 1,000
• Annual dividend per share: $1.03

Annual income = 1,000 × 1.03 = $1,030

Dividend yield (%)

Dividend yield tells you how much dividend you receive per dollar invested at the current price:

Dividend Yield (%) = (Annual Dividend per Share ÷ Current Share Price) × 100

Using your figures:

• Annual dividend per share: $1.03
• Share price: $27.58

Dividend yield = (1.03 ÷ 27.58) × 100 ≈ 3.76%

This is your current yield if you buy at $27.58 and receive $1.03 per share in a year.

Income per dividend period

SCHD pays quarterly. To estimate income per payment: Income per Period = Annual Income ÷ Number of Payments per Year

For SCHD:

• Number of payments per year: 4 (quarterly)

Using the 1,000‑share example: Quarterly income = $1,030 ÷ 4 = $257.50

If you switch the calculator’s frequency to monthly or semi‑annual, it just divides by 12 or 2 instead.

Yield on cost

If you bought SCHD at a different price than today’s, your yield on cost may differ from the current yield: Yield on Cost (%) = Annual Income ÷ Total Amount You Paid × 100

For example, if you bought 1,000 shares at $25.00:

• Total cost = 1,000 × $25 = $25,000
• Annual income = 1,000 × $1.03 = $1,030

Yield on cost = (1,030 ÷ 25,000) × 100 ≈ 4.12%

Even though today’s current yield (at $27.58) is 3.76%, your yield on cost is higher because you bought at a lower price.

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How to use the SCHD dividend calculator (step by step)

The SCHD dividend calculator described in your page is built to be simple and mobile friendly. Here’s how to use it.

Step 1: Enter your share count

In the “Number of SCHD shares” field:

• Type the total number of shares you own or plan to buy.
• The calculator may include quick buttons like 100, 500, 1,000, and 2,000 shares you can tap/click to auto‑fill.

This is the most important input—the rest scales directly from it.

Step 2: Check or adjust the share price

In the “Current share price” field:

• Default is $27.58 (as of Dec 9, 2025).
• You can update this to today’s market price if it’s changed.

The calculator uses this to:

• Estimate your total investment cost
• Calculate current dividend yield

Step 3: Check or update the annual dividend per share

In the “Annual dividend per share (estimated)” field:

• Default is $1.03 per share (your 2025 estimate).
• You can change this if:
  • New dividend data is released
  • You want to model a higher or lower future dividend

This value drives:

• Annual income
• Yield calculations

Step 4: Verify dividend frequency

SCHD pays dividends quarterly, so:

• “Dividend frequency” should typically be set to Quarterly (4x per year).

The calculator uses this to:

• Convert annual income into income per payment period (quarterly by default).

You can also switch to monthly or annual if you want to compare or re‑express the income differently.

Step 5: Click “Calculate”

After your inputs are set, click Calculate.

The calculator will show:

• Number of shares
• Total investment (shares × price)
• Annual dividend income
• Income per dividend period (annual ÷ 4 for quarterly)
• Current dividend yield (annual dividend ÷ current price)
• Yield on cost (annual income ÷ total investment)

This gives you a clear picture of what your SCHD position could generate under current assumptions.

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SCHD dividend calculator examples

Let’s walk through some examples using your default data:

• Share price: $27.58
• Annual dividend: $1.03 per share
• Frequency: Quarterly (4x)

Again, these are example figures; always check current data.

Example 1: 500 shares of SCHD

Inputs:

• Shares: 500
• Price: $27.58
• Annual dividend: $1.03
• Frequency: Quarterly

Calculations:

• Total investment = 500 × 27.58 = $13,790
• Annual income = 500 × 1.03 = $515.00
• Quarterly income = 515 ÷ 4 ≈ $128.75
• Current yield = (1.03 ÷ 27.58) × 100 ≈ 3.76%
• Yield on cost = same as current yield if you bought at $27.58

Interpretation:

Owning 500 shares of SCHD at these levels might generate about $515 per year in dividends, or roughly $128 per quarter, before taxes and any reinvestment.

Example 2: 1,000 shares of SCHD

This aligns with the example in your prompt.

Inputs:

• Shares: 1,000
• Price: $27.58
• Annual dividend: $1.03
• Frequency: Quarterly

Results:

• Total investment = 1,000 × 27.58 = $27,580
• Annual income = 1,000 × 1.03 = $1,030
• Quarterly income = 1,030 ÷ 4 ≈ $257.50
• Current yield = 3.76%

So, owning 1,000 shares of SCHD might give you:

• $1,030 per year
• About $257.50 per quarter

This is the exact example your original text described.

Example 3: 2,000 shares, bought at a lower price

Suppose you built your SCHD position over time at an average cost of $25 per share. Today, it trades at $27.58 and still pays $1.03 annually.

Shares: 2,000

• Total cost = 2,000 × $25 = $50,000
• Current market value = 2,000 × $27.58 = $55,160
• Annual income = 2,000 × 1.03 = $2,060
• Current yield (at $27.58) = 1.03 ÷ 27.58 × 100 ≈ 3.76%
• Yield on cost = 2,060 ÷ 50,000 × 100 = 4.12%

Key insight: Your yield on cost is higher than the current yield, because you bought at a better price than today’s.

The SCHD dividend calculator’s “Yield on cost” field helps highlight this effect.

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Use cases for a SCHD dividend calculator

A well‑designed SCHD dividend calculator can support several planning tasks.

1- Planning income for retirement or financial independence

If SCHD is part of your income portfolio, you can:

• Test different share counts (e.g., 1,000 vs. 2,000 vs. 3,000)
• See the annual and quarterly income each level would generate
• Compare that income against your living expenses

This helps answer questions like:

• “If I want $5,000 per year in SCHD dividends, how many shares might I need at today’s yield?”
• “What does my current SCHD position pay me per month/quarter?”

2- Comparing SCHD with other dividend ETFs or stocks

You can also use the calculator to compare:

• SCHD’s yield and income vs. other dividend ETFs
• Dividend income vs. fixed income or savings yields
• How a change in price or dividend might affect your yield

For example, if SCHD’s price rises sharply but the dividend lags, the yield may fall—something the calculator will show immediately.

3-Exploring “what‑if” scenarios

You can adjust:

• Share price – to see how yield changes at different price levels
• Annual dividend per share – to model:
  • Future dividend growth
  • A temporary cut or special dividend

Some investors like to simulate:

• “What if the annual dividend grows from $1.03 to $1.20?”
• “What if the price rises to $35—what would the yield be then?”

The calculator makes these what‑ifs easy to visualize.

4-Yield on cost tracking

If you track your average purchase price, you can:

• Enter your cost basis as the “share price”
• Keep the current annual dividend per share
• See a personal yield on cost, rather than just the current market yield

This is one way to see whether dividend growth in SCHD is improving your income return on the money you actually invested.

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FAQ/Frequently Asked Questions

A SCHD dividend calculator is a powerful companion for anyone investing in the Schwab U.S. Dividend Equity ETF. By letting you quickly estimate: Annual and quarterly income, Dividend yield at different prices, Yield on cost based on your entry.

…it helps turn abstract share counts into clear income numbers. Combine this calculator with regular checks of SCHD’s actual distributions and market price, and you’ll have a much better sense of how this ETF fits into your income strategy and long‑term financial plan.

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