SCHD Snowball Calculator

SCHD Snowball Calculator

Estimate how SCHD dividends, dividend growth, recurring investments, share-price growth, and dividend reinvestment could compound over time. Adjust the assumptions to model your own scenario.

Dividend Snowball DRIP Modeling Year-by-Year Projection Free Calculator

Build Your SCHD Dividend Snowball

Enter your assumptions below. The calculator models dividend payments at the selected frequency and can reinvest those dividends into fractional shares.

Your starting investment.
Starting share price used for the projection.
Annual dividend per share at the start of the projection.
How many dividend payments occur per year.
Assumed annual growth in dividend per share.
Assumed annual share-price growth.
Recurring amount added during the projection.
How often the additional investment is made.
Projection period from 1 to 100 years.
When ON, dividends buy fractional SCHD shares.

Projection Results

Final Portfolio Value $— Estimated ending value
Total Contributions $— Initial + recurring
Total Dividends $— Cumulative dividends
Annual Dividend Income $— At the end of the period
Monthly Dividend Income $— Annual income ÷ 12
Total Shares — Including fractional shares
Yield on Cost — Annual dividend ÷ contributions
Total Growth $— Ending value − contributions

Dividend Snowball Growth

These charts are generated from the same projection engine used for the results and table.

Portfolio Value vs Contributions vs Cumulative Dividends
Portfolio Value Total Contributions Cumulative Dividends
Annual Dividend Income
Annual Dividend
Ending Shares
Shares

Year-by-Year Projection

Each row represents the end of one projection year.

Year Start Balance Start Shares Share Price Dividend / Share Dividend Yield Yield on Cost Annual Dividend Reinvested Additional Investment New Shares End Shares Total Dividends End Balance
Press Calculate to generate the projection.
The model uses the assumptions entered above. It is a projection, not a guarantee of future investment performance.

DRIP vs No-DRIP

Both scenarios use the same investment assumptions. The only difference is whether dividends are reinvested.

DRIP ON
Final Portfolio$—
Total Dividends$—
Annual Dividend$—
Ending Shares—
Yield on Cost—
DRIP OFF
Final Portfolio$—
Total Dividends$—
Annual Dividend$—
Ending Shares—
Yield on Cost—

Dividend Income Milestones

The milestone year is the first projection year in which annualized dividend income reaches the target.

$100 / year
—
$500 / year
—
$1,000 / year
—
$5,000 / year
—
$10,000 / year
—

SCHD at a Glance

These are informational reference values used to help explain the calculator. They are not a live market feed. Update the assumptions above when modeling a different starting price or dividend.

FundSchwab U.S. Dividend Equity ETF (SCHD)
Typical Payout FrequencyQuarterly
Expense Ratio0.06%
InceptionOctober 20, 2011
Starting Model Dividend$1.01 / share / year
Model Dividend Growth9.22% / year
Model Price Growth9.35% / year
Data TypeCalculator assumptions / informational
Market prices, dividends, yields, holdings and historical performance can change. This calculator does not provide live market quotes.

How the SCHD Dividend Snowball Works

A dividend snowball occurs when dividends are reinvested into additional shares. Those additional shares can then generate additional dividends in future periods.

Step 1 — Start with an investment
Your initial investment is divided by the starting SCHD share price to determine the initial number of shares. Fractional shares are supported by this calculator.
Step 2 — Receive dividends
The calculator applies the selected dividend frequency to the modeled annual dividend per share.
Step 3 — Reinvest dividends
When DRIP is ON, each dividend payment is divided by the applicable share price and converted into fractional shares.
Step 4 — New shares generate more dividends
The new shares participate in subsequent dividend payments, creating the compounding effect represented by the snowball.
Step 5 — Add recurring investments
Additional investments can be modeled monthly, quarterly, or annually and are converted into additional shares.

How This Calculator Works

The projection uses a simplified deterministic model. Share price and dividend-per-share assumptions grow at the rates entered above. Contributions purchase fractional shares at the modeled price. Dividends are paid at the selected frequency.

Important: This is a scenario calculator, not a prediction of future SCHD performance. Real-world returns can differ substantially because of market prices, dividend changes, taxes, fees, timing, tracking differences and other factors.

Frequently Asked Questions

What is an SCHD Snowball Calculator?
It is a projection tool that estimates how an SCHD investment could grow when dividends, recurring contributions, dividend growth and share-price growth are modeled over time.
What does DRIP mean?
DRIP means Dividend Reinvestment Plan. In this calculator, DRIP ON means dividend cash is reinvested into additional fractional shares.
Does this calculator guarantee future returns?
No. The results are mathematical projections based on the assumptions entered by the user. Actual market and dividend results can be different.
Can I model monthly investments?
Yes. Set Additional Investment to your desired recurring amount and select Monthly.
Why is Yield on Cost different from current yield?
Yield on cost compares the modeled annual dividend income with the total amount contributed. Current yield instead relates the dividend to the current share price.

Disclaimer

This calculator is for educational and informational purposes only. It is not investment, tax, legal or financial advice. Projections depend entirely on the assumptions entered and do not guarantee future results. SCHD dividends and market prices can change, including falling in value. Consider your own circumstances and consult a qualified professional where appropriate.

Scroll to Top