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VTI Dividend Calculator: Project Vanguard Total Stock Market ETF Income

VTI holds essentially the entire U.S. stock market — thousands of companies across large, mid, and small caps — in a single low-cost fund. It is the broadest mainstream way to own American equities.

The yield is modest because it reflects the whole market, not a dividend screen. VTI is used as a foundation holding that compounds through broad economic growth, with dividends as a secondary contributor.

Use this calculator to project VTI income with or without reinvestment, model contributions, and solve backwards from a monthly target.

Run VTI in the calculatorCompare VTI vs others

Data as of September 27, 2026 · Sources: Yahoo Finance and fund fact sheets.

Share price
$379.77
Dividend yield (TTM)
1.03%
Expense ratio
0.03%
Distribution frequency
Quarterly
TTM distributions / share
$3.90
Assets under management
$2.3T
How much VTI do you need for your income goal?

Capital required at the current 1.03% yield, before taxes and before accounting for future dividend growth or reinvestment.

Monthly incomeAnnual incomeCapital requiredApprox. shares
$500/month$6.0K$582.5K1,534
$1,000/month$12.0K$1.2M3,068
$2,000/month$24.0K$2.3M6,136
$3,000/month$36.0K$3.5M9,204
$5,000/month$60.0K$5.8M15,339
$10,000/month$120.0K$11.7M30,678

Estimates only. Yield, share price, and distributions change over time. Use the full calculator to model monthly contributions, dividend growth, taxes, and reinvestment.

How long to reach your VTI income goal?

Years until projected dividend income first reaches each target, starting from zero with every distribution reinvested. Assumes today's 1.03% yield and dividend growth consistent with the fund's record; taxes and withdrawals are excluded.

Monthly contribution$500/month$1,000/month$2,000/month$5,000/month
$250/month18 yr21 yr25 yr29 yr
$500/month15 yr18 yr21 yr26 yr
$1,000/month12 yr15 yr18 yr22 yr

Projections assume a constant yield, dividend growth consistent with the holding's recent record, no price changes beyond its recent trend, and full reinvestment. Actual results will differ. Dividend income is shown before taxes.

Who VTI is for
  • A single-fund core for long-term U.S. equity exposure
  • Investors who want small- and mid-cap exposure beyond the S&P 500
  • Retirement accounts compounding for decades
  • A baseline against which to compare dividend-focused strategies
Trade-offs to understand
  • Low starting yield — large capital needed for meaningful income
  • Market-cap weight still concentrates the fund in mega-caps
  • Quarterly distributions only

About VTI

Tracks the CRSP U.S. Total Market Index — exposure to nearly all publicly traded U.S. stocks across large-, mid-, small-, and micro-cap segments at one of the lowest expense ratios available.

VTI key facts
MetricValue
Fund nameVanguard Total Stock Market ETF
IssuerVanguard
CategoryBroad Market
Inception date2001-05-24
Share price$379.77
NAV$379.82
Dividend yield (TTM)1.03%
Expense ratio0.03%
Distribution frequencyQuarterly
Assets under management$2.3T
1-year return14.42%
5-year return (annualized)14.51%
3-year beta1.02

Historical returns are not a forecast. Figures shown are the latest available and may differ slightly from issuer fact sheets.

VTI dividend history and payout schedule
TTM / share
$3.90
Yield (TTM)
1.03%
Annual growth
5.7%
Pays in
March, June, September, December
Payment datePer share
June 26, 2026$1.04
March 27, 2026$1.00
December 22, 2025$0.95
September 29, 2025$0.91
June 30, 2025$0.91
March 27, 2025$0.99
December 23, 2024$0.94
September 27, 2024$0.87

Annual growth compares the latest twelve months of distributions with the twelve months ending four years earlier and is not a forecast. Past distributions can be reduced or suspended.

Top holdings

The largest positions in VTI, by portfolio weight.

  • NVDANVIDIA Corp6.87%
  • AAPLApple Inc6.30%
  • MSFTMicrosoft Corp5.10%
  • AMZNAmazon.com Inc3.41%
  • GOOGLAlphabet Inc Class A2.70%
  • AVGOBroadcom Inc2.37%
  • GOOGAlphabet Inc Class C2.12%
  • METAMeta Platforms Inc Class A1.70%
Sector allocation

Sector exposure reported by the fund provider.

  • Information Tech28.60%
  • Financials13.50%
  • Health Care12.10%
  • Consumer Disc.10.40%
  • Industrials9.80%
  • Communication8.60%
VTI frequently asked questions

VTI yields about 1.03% per year on a trailing basis at $379.77 per share. The figure reflects the entire U.S. market, so it sits below dividend-screened ETFs and above the deepest growth indexes.

At a 1.03% yield, generating $12,000 per year requires roughly $1.2M, or about 3,068 shares at $379.77. Contributions and reinvestment are how most investors build to that scale.

VTI distributes quarterly, recently in March, June, September, December. The trailing twelve-month distribution totals about $3.90 per share. Payments come from the thousands of U.S. companies the fund holds.

VTI holds the entire U.S. market, including mid- and small-caps; VOO tracks the S&P 500's large-cap segment. Returns have historically been close because large caps dominate by weight, but VTI offers broader diversification at a similar fee.

VTI's distributions are generally qualified dividends, taxed at long-term capital gains rates. In a retirement account, the annual tax drag disappears. Confirm your own situation with a tax professional.

The market's aggregate payout has historically risen with corporate earnings. Comparing the latest twelve months of distributions with the same period four years earlier, VTI's per-share payout has changed by roughly 5.7% per year.

Investing $500 a month with all distributions reinvested, VTI's projected dividend income reaches $1,000 a month in about 18 years. By then you would have contributed roughly $108.0K and the projected portfolio value would be about $518.4K. This assumes today's 1.03% yield and the growth assumptions shown in the calculator, with no taxes or withdrawals — projections, not guarantees.
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Disclaimer: This page is for educational purposes only and is not financial, investment, or tax advice. Fund data is sourced from Yahoo Finance and issuer fact sheets and may be delayed or contain errors. Dividend yields and distributions are not guaranteed. Past performance is not indicative of future results. Always consult a qualified advisor before making investment decisions.