Dividend Tax Calculator
Dividends are taxed at two different rates depending on whether they are qualified. This calculator splits your dividends and applies the 2026 rates to each bucket.
How this calculator works
Qualified dividends use the long-term capital gains rates: 0% up to $49,450 of taxable income (single) or $98,900 (married), 15% up to $545,500/$613,700, and 20% above that. Ordinary dividends are taxed at your regular income bracket. High earners also pay the 3.8% Net Investment Income Tax on dividends when taxable income exceeds $200,000 (single) or $250,000 (married filing jointly).
Frequently asked questions
What makes a dividend qualified?
Generally, dividends from U.S. companies and most foreign companies held for more than 60 days during the 121-day window around the ex-dividend date. REIT dividends and most interest-like payments are ordinary instead.
Can I pay 0% tax on dividends?
Yes — if your taxable income stays within the 0% bracket: $49,450 for single filers or $98,900 for married couples filing jointly in 2026, qualified dividends included in that total are tax-free at the federal level.
What is the net investment income tax?
A 3.8% surtax on investment income — including dividends — for taxpayers whose modified adjusted gross income exceeds $200,000 (single) or $250,000 (married filing jointly). It applies on top of the regular dividend tax.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.