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SPY Dividend DRIP Calculator 2026
0.97% YieldFinancial ServicesState Street SPDR S&P 500 ETF · AMEX
Price: $776.34 · Annual div: $7.53/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
Calculator settings
Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When SPY pays your bills
Year your monthly dividend income covers each expense (based on current settings)
Share your SPY snowball 📈
$10,000 in SPY → $11.0K in 10 years · $8.81/month
About State Street SPDR S&P 500 ETF (SPY) — Dividend Analysis 2026
SPY is the best-recognized and oldest US listed ETF and typically tops rankings for largest AUM and greatest trading volume. The fund tracks the massively popular US index, the S&P 500. Few realize that S&P's index committee chooses 500 securities to represent the US large-cap space - not necessarily the 500 largest by market cap, which can lead to some omissions of single names. Still, the index offers outstanding exposure to the US large-cap space. It's important to note, SPY is a unit investment trust, an older but entirely viable structure. As a UIT, SPY must fully replicate its index (it probably would anyway) and forgo the small risk and reward of securities lending. It also can`t reinvest portfolio dividends between distributions, the resulting cash drag will slightly hurt performance in up markets and help in downtrends. SPY is a favored vanilla trading vehicle.
Compare SPY with similar stocks
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 SPY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold SPY.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.97% | -1.83% | $97 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.82% | -1.98% | $82 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.78% | -2.02% | $78 / yr |
| 🇬🇧 UK ISA | 0% | 0.97% | -1.83% | $97 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.89% | -1.91% | $89 / yr |
| 🇨🇦 TFSA | 0% | 0.97% | -1.83% | $97 / yr |
| 🇨🇦 CA Taxable | 25% | 0.73% | -2.07% | $73 / yr |
| 🇦🇺 Super (pension) | 15% | 0.82% | -1.98% | $82 / yr |
| 🇦🇺 AU Taxable | 30% | 0.68% | -2.12% | $68 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.71% | -2.09% | $71 / yr |
| 🇫🇷 FR Taxable | 30% | 0.68% | -2.12% | $68 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 SPY Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $7.53/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 SPY Dividend Payment Schedule
SPY pays quarterly — 4 times per year. Next ex-div: TBD.
📊 SPY vs Financial Services Benchmarks
How SPY compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SPY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ SPY Insider Activity
No recent SEC filings reported in the last 90 days.Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the SPY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
State Street SPDR S&P 500 ETF (SPY) is currently trading at $776.34, trading near its 52-week high. The current dividend yield is 0.97% based on an annual payout of $7.53 per share.
SPY (State Street SPDR S&P 500 ETF) — 0.97% Dividend Yield Analysis
State Street SPDR S&P 500 ETF (SPY) is a financial services stock currently trading at $776.34 with a dividend yield of 0.97%. The company pays an annual dividend of $7.53 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.