Estimate the tax on your dividend income. Enter your qualified and non-qualified dividends, filing status, and income to see your total tax, effective rate, and after-tax income — including the 3.8% NIIT. Free, no signup.
Total dividend tax
$970.00
Qualified tax (15%)
$750.00
Non-qualified tax
$220.00
NIIT (3.8%)
$0.00
Effective rate
16.17%
After-tax dividend income
$5,030.00
Estimate only — qualified rates use 2026 brackets; consult a tax professional.
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Qualified dividends are taxed at the long-term capital gains rates — 0%, 15%, or 20% — based on your taxable income and filing status. For 2026, a single filer pays 0% up to $49,450, 15% up to $545,500, and 20% above that; married-filing-jointly thresholds are $98,900 and $613,700 (source: IRS Revenue Procedure 2025-32).
Qualified dividends meet IRS holding-period rules and get the lower capital gains rates. Non-qualified (ordinary) dividends — including most REIT and money-market payouts — are taxed at your ordinary income marginal rate, which can be much higher.
The Net Investment Income Tax adds 3.8% on investment income (including dividends) once your modified adjusted gross income exceeds $200,000 (single) or $250,000 (married filing jointly). This calculator adds it automatically when your income crosses those thresholds.
Hold dividend stocks long enough to qualify for the lower rates, keep high-yield or REIT holdings in tax-advantaged accounts like an IRA or 401(k), and be mindful of the income thresholds that push you into the 15%/20% brackets or trigger NIIT.
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See what your dividends are worth after reinvesting, or shelter them from tax in a retirement account.