📊 Interactive Calculator
SCHD vs VOO Calculator
Compare dividend income vs growth — with your exact starting amount, timeline, and tax situation. See which strategy leaves you with more money and more income.
Read the full analysis →Your Investment Details
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SSCHD Settings
VVOO Settings
SCHD after 20 years
$1.12M
Total Portfolio Value
$39,374/yr
Annual Dividends
VOO after 20 years
$1.27M
Total Portfolio Value
$16,517/yr
Annual Dividends
🏆 VOO wins on total portfolio value by $145,546
SCHD generates $22,857 more per year in dividends — that's $1,905/month more income.
Year-by-Year Breakdown
Values include portfolio appreciation + dividend reinvestment| Year | SCHD Value | SCHD Divs/yr | VOO Value | VOO Divs/yr | Leader |
|---|---|---|---|---|---|
| Year 1 | $63,280 | $2,215 | $63,728 | $828 | VOO |
| Year 2 | $78,286 | $2,740 | $79,350 | $1,032 | VOO |
| Year 3 | $95,244 | $3,334 | $97,129 | $1,263 | VOO |
| Year 4 | $114,405 | $4,004 | $117,361 | $1,526 | VOO |
| Year 5 | $136,058 | $4,762 | $140,384 | $1,825 | VOO |
| Year 6 | $160,526 | $5,618 | $166,585 | $2,166 | VOO |
| Year 7 | $188,174 | $6,586 | $196,402 | $2,553 | VOO |
| Year 8 | $219,416 | $7,680 | $230,334 | $2,994 | VOO |
| Year 9 | $254,721 | $8,915 | $268,948 | $3,496 | VOO |
| Year 10 | $294,614 | $10,311 | $312,891 | $4,068 | VOO |
| Year 11 | $339,694 | $11,889 | $362,897 | $4,718 | VOO |
| Year 12 | $390,634 | $13,672 | $419,805 | $5,457 | VOO |
| Year 13 | $448,197 | $15,687 | $484,566 | $6,299 | VOO |
| Year 14 | $513,242 | $17,963 | $558,265 | $7,257 | VOO |
| Year 15 | $586,744 | $20,536 | $642,133 | $8,348 | VOO |
| Year 16 | $669,801 | $23,443 | $737,575 | $9,588 | VOO |
| Year 17 | $763,655 | $26,728 | $846,189 | $11,000 | VOO |
| Year 18 | $869,710 | $30,440 | $969,791 | $12,607 | VOO |
| Year 19 | $989,552 | $34,634 | $1.11M | $14,436 | VOO |
| Year 20 | $1.12M | $39,374 | $1.27M | $16,517 | VOO |
Disclaimer: This calculator uses simplified assumptions. Real returns vary. Past performance doesn't guarantee future results. Dividend growth is modeled as a constant rate, which won't hold precisely year to year. Tax rules vary by account type and jurisdiction. This is educational content, not financial advice. Read the full analysis →