Home › Dividend Tax Calculator 2026
Calculate how much federal tax you owe on your dividend income. Qualified dividends are taxed at 0–20% — much lower than ordinary income rates. See your exact tax liability and how much you save with a Roth IRA.
| Filing Status | Taxable Income | Qualified Dividend Rate | With NIIT (if applicable) |
|---|---|---|---|
| Single | Up to $48,350 | 0% | 0% |
| Single | $48,351 – $533,400 | 15% | 15% (no NIIT below $200K) |
| Single | Over $533,400 | 20% | 23.8% (20% + 3.8% NIIT) |
| Married Filing Jointly | Up to $96,700 | 0% | 0% |
| Married Filing Jointly | $96,701 – $600,050 | 15% | 15% (no NIIT below $250K) |
| Married Filing Jointly | Over $600,050 | 20% | 23.8% (20% + 3.8% NIIT) |
* NIIT = Net Investment Income Tax applies if your modified AGI exceeds $200,000 (single) or $250,000 (married filing jointly). Thresholds are approximate and follow IRS 2026 guidance. Consult a tax professional for your specific situation.
Texas has no state income tax, which means Texas residents pay only federal taxes on dividend income. At the 15% qualified dividend rate, you keep $0.85 of every dollar — compared to a California investor who could pay up to 28.3% in combined federal + state taxes. Other no-income-tax states include Florida, Nevada, Washington, Wyoming, Alaska, and South Dakota.
Best for high-yield stocks. Dividends grow tax-free, qualified withdrawals are also tax-free. $7,000/yr contribution limit (2026, under 50).
Dividends grow tax-deferred. Withdrawals in retirement are taxed as ordinary income regardless of qualified status. Still better than taxable for compounding.
Qualified dividends: 0%, 15%, or 20% federal. Plus state tax if applicable. Best for tax-loss harvesting and flexibility.
Triple tax advantage: contributions deductible, growth tax-free, qualified medical withdrawals tax-free. Dividend income inside HSA is tax-free.