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SPYD vs T: Dividend Comparison 2026

SPYD yields 4.00% · T yields 6.24% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 SPYD wins by $18.9K in total portfolio value
10 years
SPYD
SPYD
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full SPYD calculator →
T
AT&T Inc.
6.24%
Share price
$17.80
Annual div
$1.11
5Y div CAGR
-8.2%
Payout ratio
58%
After 10 yrs · $10,000 · DRIP
Portfolio value
$9.1K
Annual income
$432.01
Full T calculator →

Portfolio growth — SPYD vs T

Annual dividend income

MetricSPYDT
Forward yield4.00%6.24%
Annual dividend / share$2.00$1.11
Payout ratio50%58%
1-year div growth5%0%
5-year div CAGR5%-8.2%
Portfolio after 10y$28.0K$9.1K
Annual income after 10y$899.19$432.01
Total dividends collected$6.4K$5.0K
Payment frequencyquarterlyquarterly
SectorETFTelecom

Year-by-year: SPYD vs T ($10,000, DRIP)

YearSPYD PortfolioSPYD Income/yrT PortfolioT Income/yrGap
1$11,120$420.00$9,962$572.46+$1.2KSPYD
2$12,357$458.31$9,912$557.56+$2.4KSPYD
3$13,721$499.76$9,850$542.34+$3.9KSPYD
4$15,227$544.58$9,776$526.88+$5.5KSPYD
5$16,885$593.02$9,691$511.23+$7.2KSPYD
6$18,713$645.34$9,595$495.45+$9.1KSPYD
7$20,724$701.81$9,489$479.58+$11.2KSPYD
8$22,938$762.73$9,374$463.69+$13.6KSPYD
9$25,372$828.41$9,250$447.82+$16.1KSPYD
10$28,047$899.19$9,118$432.01+$18.9KSPYD

SPYD vs T: Complete Analysis 2026

SPYDETF

SPYD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SPYD shares.

Full SPYD Calculator →

TTelecom

AT&T is one of the largest telecom companies in the US. After spinning off WarnerMedia in 2022 and cutting its dividend, AT&T has stabilized its payout at $1.11/year. High yield makes it attractive for pure income investors, though dividend growth has been absent. The company is focused on debt reduction and fiber network expansion.

Full T Calculator →

Frequently Asked Questions

Is SPYD or T better for dividend income in 2026?
SPYD currently offers a 4.00% yield (2.00/share/year) while T offers 6.24% (1.11/share/year). T provides higher current income. However, SPYD has grown its dividend faster (5% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in SPYD vs T earn per year?
With $10,000 invested today: SPYD pays approximately $400/year. T pays approximately $624/year. With DRIP reinvestment over 10 years, these grow to $899/year (SPYD) and $432/year (T).
Does SPYD or T pay monthly dividends?
SPYD pays quarterly dividends. T pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.