YieldMaxCalc

CHPY Dividend Calculator

YieldMax Semiconductor Portfolio Option Income ETF — Project your returns with dividend reinvestment (DRIP). Pays weekly.

CHPY Dividend Calculator

= $34.4708 / share / year

0% = yield stays constant. Negative models normalization (e.g. -10%/yr).

1Y: 41.4%

years
Portfolio Growth

No DRIP vs DRIP

Portfolio Value$318.4K$33.93MTotal Dividends$349.8K$16.09MAnnual Dividend$149.3K$15.91MYoC1493.21%159.1K%

DRIP Advantage

Total invested: $10.0K

+10.6K%

$33.62M more

Income Goal
/ month

Reached in year 10

CHPY crosses $7.16M/yr ($597.0K/mo) of dividend income in year 10 of the projection. Goal auto-suggested from your inputs — bump it up to model a stretch target.

Scenarios

Three realistic paths for high-yield funds: yield holds, yield compresses, yield normalizes. Click any card to load it.

What is CHPY?

CHPY is YieldMax's semiconductor income ETF. It holds an actively managed basket of 15-30 US-listed semiconductor stocks — typically Nvidia, Broadcom, AMD, TSMC, Micron, Qualcomm, and others — and overlays a covered call spread strategy on the portfolio to generate weekly distributions. Unlike YieldMax's single-stock funds (NVDY, MSTY, PLTY), CHPY gives you diversified semiconductor exposure rather than a bet on one ticker.

Latest CHPY distribution

Per share
$0.6629
Distribution rate
45.17%
30-day SEC yield
0.00%
ROC %
100.00%
Declared
May 12, 2026
Ex-date
May 13, 2026
Payable
May 14, 2026

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CHPY Real Yield

Headline yield adjusted for NAV appreciation (1Y)

HeadlineReal31.6%44.6%
NAV +41.3%
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How CHPY generates income

CHPY is YieldMax's semiconductor income ETF. It holds an actively managed basket of 15-30 US-listed semiconductor stocks — typically Nvidia, Broadcom, AMD, TSMC, Micron, Qualcomm, and others — and overlays a covered call spread strategy on the portfolio to generate weekly distributions. Unlike YieldMax's single-stock funds (NVDY, MSTY, PLTY), CHPY gives you diversified semiconductor exposure rather than a bet on one ticker.

The income engine is the options overlay: the fund sells call options on its holdings at strikes above the current price and buys higher-strike calls as a hedge (a call spread). The premium collected funds the weekly distribution. Because semiconductor stocks carry consistently high implied volatility — especially around NVDA earnings, AI spending cycles, and TSMC capacity announcements — the premiums are substantial, which is why CHPY targets distribution rates in the 35-45% annualized range.

The trade-off is the familiar covered-call ceiling: when semiconductors run hard (as they did through the 2023-2025 AI buildout), CHPY captures only a portion of the upside because calls have been sold against the gains. When the sector chops sideways or sells off modestly, CHPY tends to outperform holding the stocks directly because the premium income cushions returns.

CHPY has grown to one of YieldMax's largest funds (over $500M AUM) on the back of trader interest in semiconductors as an AI proxy. Distributions typically include a significant return-of-capital (ROC) component, so a meaningful portion of what looks like yield is your own cost basis being returned. Check the latest announcement card for current ROC breakdown.

Strategy
Active semiconductor basket + covered call spreads
Holdings
15-30 US semis (NVDA, AVGO, AMD, TSM, etc.)
Distribution
Weekly (Group 1, Tuesday)
Target yield
~35-45% annualized
Expense ratio
1.03%
Issuer
YieldMax (Tidal Financial)

About the CHPY Dividend Calculator

This CHPY dividend calculator projects how your position grows with and without DRIP (Dividend Reinvestment). Every input is prefilled with live CHPY data — current price, latest per-share distribution, detected payment frequency, and historical CAGR — so you can hit calculate immediately, or override any field to model your own assumptions.

The CHPY DRIP calculator runs two parallel scenarios: one where every distribution is reinvested into more CHPY shares, and one where distributions are taken as cash and never compounded. The gap between the two curves is the compounding premium — the extra wealth you build by letting CHPY dividends buy more shares over time. Extra monthly contributions, tax rates, and custom dividend growth rates are all supported, and every calculation runs in your browser with no additional API calls after page load.

Why this calculator is more accurate than most

Traditional DRIP calculators treat dividend-per-share and share-price as two independent quantities that grow at their own separate rates. That works fine for stocks like SCHD or KO, where management sets the payout and the stock price moves with the business. It breaks badly for option-income ETFs like MSTY, NVDY, or TSLY, where distributions are sourced from option premium on the underlying — meaning the dividend dollar is mechanically a fraction of NAV, not a separate variable. Let those two quantities compound independently and you get absurd outputs (trillion-dollar portfolios from $10K) because the implied yield silently grows to 400%+ as price collapses faster than the dollar dividend.

We solve this with two projection modes. Dividend Growth mode is the standard model — correct for dividend-growth stocks and traditional income ETFs. Yield-on-NAV mode (auto-selected when starting yield exceeds 20%) locks the forward yield and recomputes distributions each year asyield × current NAV, so as price falls, dividend-per-share falls proportionally. This matches the physics of option-income funds and produces realistic projections instead of fantasy numbers.

You can toggle between the two modes above the input form. For CHPY — a YieldMax option-income ETF — yield-on-NAV is the default and we recommend keeping it on.

The two levers that change results the most are the growth assumptions and the holding period. For a volatile, high-yield fund, a 0% or slightly negative growth assumption is usually more realistic than extrapolating a historical CAGR, because distribution levels often decay as implied volatility normalizes. For stable dividend ETFs and index funds, the 5Y CAGR is a reasonable baseline. The CHPY dividend history page shows every past payment in detail, and the total return analyzer strips out NAV erosion to show your real yield.

CHPY DRIP calculator — frequently asked questions

How does the CHPY DRIP calculator work?
The CHPY calculator simulates two parallel scenarios: one where every dividend is paid out as cash, and one where every dividend automatically buys more CHPY shares. It uses the current CHPY price, the most recent dividend payment, the detected payment frequency (weekly), and a historical dividend growth rate to project your balance month by month. You can override any prefilled value — custom yield, custom growth rate, extra monthly contributions, and tax drag — and the chart updates instantly in your browser with no server calls after the initial page load.
Why does the CHPY calculator prefill a yield that's different from the headline number I see elsewhere?
We use forward annualization — the most recent per-share payment multiplied by the payment frequency — rather than the trailing twelve-month sum. For CHPY paying weekly, that is the most honest estimate of what you would earn going forward if the next payout matches the most recent one. Headline "TTM yield" figures include payouts from many months ago, which overstates the income of ETFs whose distributions have been trending down and understates the income of ETFs whose distributions have been trending up.
What dividend growth rate should I use for CHPY?
YieldMax ETFs like CHPY do not have a stable dividend growth rate. Distributions are a function of the implied volatility of the underlying stock at each options roll, so they can drop 50% one month and rise 40% the next. A reasonable default for long projections is 0% growth, or a small negative number if you expect volatility to normalize downward. Our 3Y and 5Y CAGR numbers exist for reference but should not be extrapolated.
Does the CHPY calculator account for taxes?
Yes. You can enter a tax rate and the calculator will deduct it from each dividend before reinvesting or paying out. For CHPY, the realistic rate depends on whether your dividends are classified as qualified (lower rate), ordinary (higher rate), or return of capital (not taxed until sale). Covered-call ETFs like CHPY often produce large amounts of return of capital, which is taxed differently from regular income — consult a tax advisor for your specific situation. The calculator applies the same rate to every payment; real-world tax treatment can be more nuanced.
Can I use the CHPY calculator for retirement account projections?
Yes. If you plan to hold CHPY in a Roth IRA, Traditional IRA, or 401(k), set the tax rate to 0% — distributions inside those accounts are not taxed year-by-year. In a Traditional IRA you will pay ordinary income tax on withdrawals later, so the post-tax balance will be lower than what the calculator shows; in a Roth IRA, qualified withdrawals are tax-free and the calculator figures are directly applicable. The "extra monthly contributions" field is useful for modeling ongoing IRA or 401(k) payroll contributions into the same position.
How is CHPY different from buying the underlying directly?
CHPY uses a covered-call strategy — it owns the underlying securities and sells call options against them to generate income. This caps the upside in strong rallies but cushions drawdowns slightly with option premium. Direct ownership of the underlying index typically produces higher total return in bull markets; CHPY is better when you want current income or expect flat-to-modest returns.