SPY Dividend Calculator
Project dividend-reinvestment (DRIP) growth, income, and yield on cost for SPDR S&P 500 ETF Trust (SPY). Pre-filled with SPY’s current yield of about 1.00% (as of Jul 10, 2026) — edit the growth and tax assumptions to fit your plan.
SPY dividend: yield, amount & dates
Snapshot of SPDR S&P 500 ETF Trust (SPY) dividend data as of Jul 10, 2026. Figures change — verify the current numbers with your broker before investing.
SPY dividend income calculator
Pre-filled with SPY’s current yield of about 1.00%. See the income an amount of SPDR S&P 500 ETF Trust would pay, or how much you’d need for a target monthly income.
SPY dividend snapshot
Varies by periodAs of Jul 10, 2026, SPY yields about 1.00%, having distributed $7.525 per share over the trailing twelve months.
Its most recent payment was $1.9035 per share, which went ex-dividend on Jun 18, 2026 and paid on Jul 31, 2026.
SPY's quarterly payments have varied over the period shown, from $1.6955 to $1.9934 per share, with the latest at $1.9035.
Based on SPY’s published payment record as of Jul 10, 2026 — a description of what the dividend has done, not a rating or a forecast.
About SPY
SPY is the oldest and most heavily traded US ETF, tracking the S&P 500. Its dividend is modest because it is a broad-market growth-and-income fund rather than an income product; VOO and SPLG track the same index at a lower expense ratio.
SPY is a broad-market index etf from State Street (SPDR) that distributes quarterly. Because dividend investing is about both income and the growth of that income, the calculator above lets you model three things independently for SPY: the starting yield, how fast the dividend grows each year, and how fast the share price appreciates. That separation matters most for high-yield versus dividend-growth choices, where a lower starting yield that grows quickly can overtake a higher static yield over time.
How to use the SPY calculator
- Replace the pre-filled yield with SPY’s current dividend yield from your broker or the fund’s page.
- Set your initial investment and monthly contribution.
- Estimate the dividend growth rate and price growth rate. For a broad-market index etf these can differ a lot — be realistic rather than optimistic.
- Choose your dividend tax rate and whether to reinvest (DRIP), then read the projected value, dividends received, and yield on cost.
The full math, including how the money-weighted return is computed, is on the methodology page.
SPY dividend calculator FAQ
- How does this SPY dividend calculator work?
- It runs a month-by-month projection: each month it adds your contribution, pays a dividend based on the yield, optionally reinvests it (DRIP), then applies price growth. The page loads pre-filled with SPY's current yield (about 1.00% as of Jul 10, 2026); adjust the dividend-growth, price-growth, and tax assumptions to fit your own outlook.
- What yield should I use for SPY?
- As of Jul 10, 2026, SPY's dividend yield was about 1.00% ($7.525 per share over the trailing year). Yields move with the share price, so use the current figure from your broker rather than a fixed number. Enter the trailing or forward yield, whichever you prefer to model.
- How often does SPY pay dividends, and when?
- SPDR S&P 500 ETF Trust pays a quarterly dividend; its most recent payment was $1.9035 per share, ex-dividend Jun 18, 2026. This calculator compounds monthly and projects annual totals, so it works the same regardless of the payment schedule — the cadence just affects when cash actually lands in your account.
- Is the SPY projection a guarantee?
- No. It is an educational projection based on the assumptions you enter, held constant. Real dividends can rise, be cut, or stop, and prices fluctuate. Use it to compare scenarios, not to predict returns, and never rely on a single calculator for an investment decision.
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