About Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) — Dividend Analysis 2026
Created in 1992, Vanguard Total Stock Market Index Fund is designed to provide investors with exposure to the entire U.S. equity market, including small-, mid-, and large-cap growth and value stocks. The fund’s key attributes are its low costs, broad diversification, and the potential for tax efficiency. Investors looking for a low-cost way to gain broad exposure to the U.S. stock market who are willing to accept the volatility that comes with stock market investing may wish to consider this fund as either a core equity holding or your only domestic stock fund.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.
Is VTSAX a good dividend investment in 2026?
VTSAX offers a 0.88% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
VTSAX DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your VTSAX portfolio grows to $10.9K vs $10.9K without reinvestment. This is the compound interest effect in action.
VTSAX dividend growth history & forecast
VTSAX has grown its dividend by 0% over the last year and 0% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 0.88%.
FCF ($33M) is below dividends paid ($18.3B) — risk of cut (FCF: $33M · Dividends est.: $18.3B)
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.1B → +0.1B → -0.0B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 VTSAX Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold VTSAX.
Gross yield
0.88%
Tax rate
15.00%
After-tax yield
0.75%
Real yield (−CPI)
-2.05%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
0.88%
-1.92%
$88 / yr
🇺🇸 US Taxable (15%) ✓
15%
0.75%
-2.05%
$75 / yr
🇺🇸 US Taxable (20%)
20%
0.70%
-2.10%
$70 / yr
🇬🇧 UK ISA
0%
0.88%
-1.92%
$88 / yr
🇬🇧 UK Taxable
8.75%
0.80%
-2.00%
$80 / yr
🇨🇦 TFSA
0%
0.88%
-1.92%
$88 / yr
🇨🇦 CA Taxable
25%
0.66%
-2.14%
$66 / yr
🇦🇺 Super (pension)
15%
0.75%
-2.05%
$75 / yr
🇦🇺 AU Taxable
30%
0.62%
-2.18%
$62 / yr
🇩🇪 DE Taxable
26.375%
0.65%
-2.15%
$65 / yr
🇫🇷 FR Taxable
30%
0.62%
-2.18%
$62 / 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.
🎯 VTSAX Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your VTSAX investment of $151.72/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$775.22
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-1697.07
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in VTSAX for:
Shares needed
21,108
Capital required
$3,202,506
Monthly income
$2,000
Based on current dividend of $1.34/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 VTSAX Dividend Payment Schedule
VTSAX pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$2.84 / payment
$11.37 / year after tax
100 shares
$28.43 / payment
$113.70 / year after tax
1,000 shares
$284.26 / payment
$1137.04 / year after tax
📊 VTSAX vs Financial Services Benchmarks
How VTSAX compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-2.02% vs sectorBelow avg
VTSAX
0.88%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
VTSAX
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
VTSAX
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for VTSAX sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ VTSAX Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
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 VTSAX 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 →