What is blended yield?

Blended yield is your portfolio's total annual dividend income divided by the total current market value of all positions. It represents the effective yield across your entire portfolio, regardless of how different the yields are across individual positions.

How much do I need to retire on dividends?

It depends on your target income and portfolio yield. At a 4% yield (e.g., SCHD + VIG blend), you need $1.5M to generate $5,000/month. At 6% (JEPI + VYM blend), you need $1M. At 10% (JEPQ + QQQI blend), you need $600K — but face higher distribution variance and NAV erosion risk. The target income calculator in this tool shows all scenarios side by side.

Dividend Portfolio Calculator

Build a multi-position dividend portfolio, see blended yield and total income, and visualize monthly income across the full calendar year. Target income reverse calculator included.

Ticker-Specific Calculators

SCHD

Schwab US Dividend Equity ETF

VOO

Vanguard S&P 500 ETF

MSTY

YieldMax MSTR Option Income

JEPQ

JPMorgan Nasdaq Premium Income

QQQI

NEOS Nasdaq-100 High Income

AAPL

Apple dividend calculator

JEPI

JPMorgan Equity Premium Income

VIG

Vanguard Dividend Appreciation

Calculator Modes

DRIP Calculator

Dividend reinvestment projection

Yield Calculator

Quick dividend yield

Monthly Income

Monthly dividend income planner

Why use our online Dividend Portfolio Calculator?

Model your full dividend portfolio: blended yield, total annual income, monthly income distribution across all 12 months, and a reverse calculator for target income planning.

How to use Dividend Portfolio Calculator

1
Add positions
Search any ticker and enter share count. Add multiple rows to build your full portfolio.
2
Review the summary
See total value, annual income, monthly income, and blended yield across all positions.
3
Check the income calendar
The 12-month grid shows income by month. Gray months signal income gaps to fill.
4
Use the target income calculator
Enter your target monthly income to see how much principal you need at 4%, 6%, 8%, and 12% portfolio yields.

Building a portfolio that pays every month

Most dividend-growth ETFs (SCHD, VIG, VYM) pay quarterly — typically in March, June, September, December. To build a portfolio that generates income every month, combine quarterly payers with at least one monthly payer like JEPI, O (Realty Income), AGG, or any YieldMax ETF. The income calendar immediately reveals which months are empty.

Frequently Asked Questions

What is blended yield?: Blended yield is your portfolio's total annual dividend income divided by the total current market value of all positions. It represents the effective yield across your entire portfolio, regardless of how different the yields are across individual positions.
How much do I need to retire on dividends?: It depends on your target income and portfolio yield. At a 4% yield (e.g., SCHD + VIG blend), you need $1.5M to generate $5,000/month. At 6% (JEPI + VYM blend), you need $1M. At 10% (JEPQ + QQQI blend), you need $600K — but face higher distribution variance and NAV erosion risk. The target income calculator in this tool shows all scenarios side by side.

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