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As a non-US resident, how much of your US dividend is withheld?Dividend withholding tax calculator: shares + dividend per share + withholding rate
A lot of people pause the first time they receive a US dividend: why is it less than expected? Usually the reason is withholding tax — when US stocks pay a dividend to a non-US resident, the broker often withholds tax at a rate first, then pays you the rest. The US generally withholds 30% on dividends to non-residents, but if your region has a tax treaty with the US and you've filed the forms your broker requires (such as a W-8BEN), the rate may be lower. The illustrative calculator below lets you set the rate to whatever actually applies to you, so you can see how much you keep.
Withholding rates vary by country/region and tax treaty, and whether you qualify for a reduced treaty rate depends on your tax status and the forms you submit. This tool only does a simple estimate at the rate you type in and is not tax advice; go by your broker's actual withholding and official rules. It doesn't account for any separate reporting, top-up tax or refund you may owe or be due where you live.
01What withholding tax actually is
Withholding means the payer or broker takes out a portion for the tax authority before paying you. For non-US residents holding US stocks, the US statutory withholding rate on dividends is generally 30%. In other words, a $100 gross dividend withheld at 30% lands as about $70 — the missing $30 is tax withheld, not an extra fee the broker charged.
02Why some people are withheld less than 30%
If your country of tax residence has a tax treaty with the US, the treaty may set a lower withholding rate for dividends (it varies by region). To get the lower rate, you usually have to file the corresponding tax form with your broker (commonly a W-8BEN, declaring your non-US tax status). If the form is missing or filled in wrong, the broker will most likely withhold at the default 30%. Exactly what rate applies and which form you need go by your broker's guidance and the official rules — this varies from person to person, and we don't make that call for you.
03What this calculator doesn't count
It only does a simple "gross dividend × rate" estimate, and excludes: whether you also have to report or top up tax on this foreign dividend where you live, whether you can credit the tax already withheld, and the differences that FX conversion introduces. Dividend tax, trading fees and exchange rates are three different things; you can estimate the trading-cost part with the US stock cost calculator, and for background read what the 30% withholding tax on US dividends is really about.
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This tool is for education only; it does a simple estimate at the rate you enter, is not tax or investment advice, and the actual outcome goes by your broker's withholding and the official rules. Last updated 2026-07-03.