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LOW Dividend Calculator

Lowe's Companies, Inc. — Project your returns with dividend reinvestment (DRIP). Pays quarterly.

Price:$246.53
TTM Dividend:$4.8000/share
TTM Yield:1.95%
Frequency:Quarterly
5Y Div CAGR:15.9%
5Y Price CAGR:4.2%

What is LOW?

LOW is an income-focused ETF issued by Lowe's. Dividend King with 54 consecutive years of dividend increases. The second-largest home improvement retailer in the U.S. (behind Home Depot, which is not a dividend aristocrat due to past cuts). Lowe's has one of the most aggressive dividend growth rates among Kings — ~15% CAGR over the last 5-10 years, taking the annual payout from $0.50 in 2011 to $4.80 today. Quarterly payer with a low current yield (~2%) reflecting the rapid price appreciation.

LOW Dividend Calculator

Yield: 1.95%

1Y: 4.4% | 3Y: 8.3% | 5Y: 15.9% | 10Y: 16.5%

1Y: 11.0% | 3Y: 5.3% | 5Y: 4.2% | 10Y: 12.5%

years

Portfolio Value (DRIP)

$40.7K

Portfolio Value (No DRIP)

$32.4K

Total Dividends (DRIP)

$4,870.22

Total Dividends (No DRIP)

$4,256.41

Annual Dividend (DRIP)

$1,128.18

YoC: 11.28%

Annual Dividend (No DRIP)

$897.44

YoC: 8.97%

DRIP Advantage

Total invested: $10.0K

+25.71%

$8,319.85 more

View LOW Dividend History →LOW Total Return →
Portfolio Growth

LOW Real Yield

Headline yield adjusted for NAV appreciation (1Y)

Headline

1.9%

→

Real

2.2%

NAV +11.0%
See full total return analysis →

LOW Dividend History

Ex-DateAmountChangeYield
Apr 22, 2026$1.2000+0.0%1.95%
Jan 21, 2026$1.2000+0.0%1.95%
Oct 22, 2025$1.2000+0.0%1.95%
Jul 23, 2025$1.2000+4.3%1.95%
Apr 23, 2025$1.1500+0.0%1.87%
Jan 22, 2025$1.1500+0.0%1.87%
Oct 23, 2024$1.1500+0.0%1.87%
Jul 24, 2024$1.1500+4.5%1.87%
Apr 23, 2024$1.1000+0.0%1.78%
Jan 23, 2024$1.1000+0.0%1.78%
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How LOW generates income

LOW is an income-focused ETF issued by Lowe's. Dividend King with 54 consecutive years of dividend increases. The second-largest home improvement retailer in the U.S. (behind Home Depot, which is not a dividend aristocrat due to past cuts). Lowe's has one of the most aggressive dividend growth rates among Kings — ~15% CAGR over the last 5-10 years, taking the annual payout from $0.50 in 2011 to $4.80 today. Quarterly payer with a low current yield (~2%) reflecting the rapid price appreciation.

The fund is designed for investors who prioritize regular income distributions. The yield comes from a combination of dividends from the underlying holdings and any income-generating strategies the fund employs.

Income source
Dividends from underlying holdings
Issuer
Lowe's

About the LOW Dividend Calculator

This LOW dividend calculator projects how your position grows with and without DRIP (Dividend Reinvestment). Every input is prefilled with live LOW 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 LOW DRIP calculator runs two parallel scenarios: one where every distribution is reinvested into more LOW 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 LOW 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 LOW, dividend-growth mode is the default and matches how most investors think about this asset.

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 LOW dividend history page shows every past payment in detail, and the total return analyzer strips out NAV erosion to show your real yield.

LOW DRIP calculator — frequently asked questions

How does the LOW DRIP calculator work?▾
The LOW calculator simulates two parallel scenarios: one where every dividend is paid out as cash, and one where every dividend automatically buys more LOW shares. It uses the current LOW price, the most recent dividend payment, the detected payment frequency (quarterly), 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 LOW 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 LOW paying quarterly, 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 LOW?▾
The calculator offers historical 1Y, 3Y, 5Y, and 10Y dividend CAGR figures for LOW where data is available. For long projections, the 5Y number is usually more representative than shorter windows. If LOW is a covered-call or high-yield fund, be cautious — high headline yields often come paired with flat or negative dividend growth, and a 5Y dividend CAGR calculated from a shrinking distribution can be misleading.
Does the LOW 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 LOW, 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). For index and traditional dividend ETFs, most distributions are qualified dividends taxed at long-term capital gains rates. The calculator applies the same rate to every payment; real-world tax treatment can be more nuanced.
Can I use the LOW calculator for retirement account projections?▾
Yes. If you plan to hold LOW 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 LOW different from buying the underlying directly?▾
LOW is a fund that holds a basket of securities and distributes the income on a regular schedule. Buying the constituents directly would give you the same economic exposure but require far more capital and effort. The trade-off is the fund's expense ratio, which is deducted from returns annually.
LOW Total Return Analyzer →LOW Dividend History →Compare LOW →Generic Dividend CalculatorBrowse all dividend tickers →Why is LOW moving? →