How much do I need to invest to make $1,000 a month in dividends?

At a 6% annual dividend yield (with 15% qualified dividend tax), you need approximately $235,294 invested to generate $1,000 per month ($12,000/year) in net passive dividend income.

How does Tax-Loss Harvesting reduce my Capital Gains Tax?

Selling losing positions before year-end realizes capital losses that directly offset your realized capital gains dollar-for-dollar, plus up to $3,000 of ordinary income under IRS rules.

Dividend Income & Capital Gains Tax Calculator | Passive Income & Tax-Loss Harvesting

Dividend Portfolio & Annual Yield

Total Dividend Portfolio ($)

$50.00 K

Annual Dividend Yield (%)

e.g. SCHD 3.5%, JEPI 8%, JEPQ 10%

Dividend Tax Rate (%)

Qualified 15% (Roth IRA 0%)

Monthly Net Dividend Income (After Tax) $0

Annual Net Dividend Income $0

Estimated Annual Dividend Tax -$0

💵 Passive Cashflow: Calculate your daily, monthly, and annual net dividend income!

Desired Monthly Net Dividend ($)

Required Portfolio Capital

Realized Capital Gains & Tax-Loss Harvesting

Realized Capital Gains ($)

$25.00 K

Realized Capital Losses ($)

$5.00 K

Estimated Capital Gains Tax (15% LTCG (Held >1 Yr)) $0

Net Take-Home Profit After Tax $0

Tax Saved via Loss Harvesting $0 Saved

💡 Net Taxable Gain: $20,000 ($25,000 Gain - $5,000 Loss Offset)

Additional Unrealized Losses to Harvest ($)

Note: Observe 30-day IRS Wash-Sale Rule for stocks

Additional Tax Saved

Tax After Harvesting: $0

💸 Dividend Passive Income & Capital Gains Tax-Loss Harvesting Guide

Calculate your monthly and annual net passive income from dividend stocks and ETFs (such as SCHD, VOO, JEPI, JEPQ, and Realty Income (O)) after dividend taxes. In the Capital Gains tab, estimate your net profit after Long-Term Capital Gains Tax (15%) and see how much you save through year-end Tax-Loss Harvesting.

📚 [Cheat Sheet] Portfolio Size Needed for $500 to $5,000/Mo Passive Dividend IncomeExpand ▾

💵 1. Required Portfolio Capital for Monthly Dividend Goals (After 15% Qualified Dividend Tax)

Gross Yield	Net Yield (After 15% Tax)	$500 / Mo	$1,000 / Mo	$2,500 / Mo	$5,000 / Mo
3.5% (SCHD)	2.98%	$201,680	$403,361	$1,008,403	$2,016,806
6.0% (High Div)	5.10%	$117,647	$235,294	$588,235	$1,176,470
8.0% (JEPI)	6.80%	$88,235	$176,470	$441,176	$882,352
10.0% (JEPQ)	8.50%	$70,588	$141,176	$352,941	$705,882