# DividendCalculator.io - LLMs.txt

> DividendCalculator.io is a free, comprehensive dividend investing platform offering calculators, stock analysis, and educational resources for income-focused investors.

## Site Overview

DividendCalculator.io provides professional-grade dividend analysis tools completely free, with no account required. The platform helps investors calculate dividend income, analyze dividend stocks, plan retirement income, and understand the power of dividend reinvestment (DRIP).

## Main Features

### Dividend Calculators
- **Dividend Yield Calculator** (/dividend-yield-calculator): Calculate the dividend yield of any stock based on price and dividend amount.
- **DRIP Calculator** (/dividend-reinvestment-calculator): Project long-term wealth growth with dividend reinvestment.
- **Dividend Income Calculator** (/dividend-income-calculator): Calculate total dividend income from investments.
- **Dividend Tax Calculator** (/dividend-tax-calculator): Estimate federal taxes on qualified and ordinary dividends.
- **Monthly Dividend Calculator** (/monthly-dividend-calculator): Plan monthly income streams from dividend investments.
- **Compound Dividend Calculator** (/compound-dividend-calculator): Visualize compound growth with dividend reinvestment and growth.
- **Payout Ratio Calculator** (/dividend-payout-ratio-calculator): Analyze dividend sustainability.
- **Dividend Growth Calculator** (/dividend-growth-calculator): Project future dividend income growth.

### Stock-Specific Calculators
- SCHD Dividend Calculator (/schd-dividend-calculator)
- JEPI Dividend Calculator (/jepi-dividend-calculator)
- JEPQ Dividend Calculator (/jepq-dividend-calculator)
- VOO Dividend Calculator (/voo-dividend-calculator)
- Realty Income (O) Calculator (/o-dividend-calculator)
- Main Street Capital Calculator (/main-dividend-calculator)
- MSTY Dividend Calculator (/msty-dividend-calculator)
- TSLY Dividend Calculator (/tsly-dividend-calculator)

### Dividend Calendar
- **Dividend Calendar 2026** (/dividend-calendar): Track upcoming ex-dividend dates and payment schedules.
- Live and estimated ex-dividend dates for major dividend stocks.
- Monthly payer schedules for consistent income planning.

### Dividend Aristocrats
- **Dividend Aristocrats List** (/dividend-aristocrats): Complete list of S&P 500 companies with 25+ years of consecutive dividend increases.
- Individual stock profiles with real-time data, dividend history, and analysis.

### Stock Profiles
Each stock profile (/stocks/{SYMBOL}) includes:
- Current price and dividend yield
- Annual dividend and payment frequency
- Dividend history and ex-dividend dates
- P/E ratio, payout ratio, and other metrics
- Sector and industry classification
- Years of consecutive dividend increases (for Aristocrats)

## Key Topics Covered

### Dividend Investing Fundamentals
- What is dividend yield and how to calculate it
- Qualified vs ordinary dividends and tax implications
- Dividend reinvestment (DRIP) and compound growth
- Ex-dividend dates and payment schedules
- Payout ratio and dividend sustainability

### Investment Strategies
- Building monthly dividend income streams
- Dividend Aristocrats and Dividend Kings investing
- High-yield vs dividend growth strategies
- Tax-efficient dividend investing
- Portfolio diversification across sectors

### Stock Categories
- **Dividend Aristocrats**: 25+ years consecutive dividend increases (JNJ, PG, KO, PEP, etc.)
- **Monthly Payers**: O, MAIN, STAG, AGNC, JEPI, JEPQ, DIVO
- **Dividend ETFs**: SCHD, VYM, HDV, NOBL, VOO
- **High-Yield Options**: MSTY, TSLY, AGNC

## Data Sources
- Real-time stock prices from multiple financial data providers
- Dividend information from SEC filings and company reports
- Historical dividend data for trend analysis
- Economic indicators from Federal Reserve (FRED)

## Technical Details
- All calculators use industry-standard formulas
- Tax calculations based on current IRS guidelines
- Data refreshes throughout market hours
- Mobile-responsive design for all devices

## API Endpoints (for reference)
- /api/stock/{symbol} - Stock data
- /api/dividends/{symbol} - Dividend history
- /api/dividend-calendar - Upcoming ex-dividend dates
- /api/aristocrats - Dividend Aristocrats list
- /api/monthly-payers - Monthly dividend stocks

## Contact
- Website: https://dividendcalculator.io
- About: /about
- Contact: /contact

## Legal
- Privacy Policy: /privacy
- Terms of Service: /terms

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This information is provided for educational purposes. Always verify data and consult a financial advisor before making investment decisions.