The IRS takes 30% of your US dividends by default.
If you live outside America, a one-page form — the W-8BEN — usually cuts that to 15%, sometimes 10%. And past $60,000 in US assets, your heirs owe estate tax that most brokers never mention. These free tools show exactly what you keep, what you lose, and where the cliffs are.
Three calculators, zero signups.
Withholding Tax Calculator
Pick your country, enter your dividends. See the treaty rate, what the IRS keeps, what you keep — and the ten-year cost of not filing a W-8BEN.
DRIP Snowball Calculator
Reinvested dividends, dividend growth and your actual tax drag, compounded over decades. Watch yield-on-cost turn into an income machine.
Estate Tax Exposure Checker
Nonresidents get a $60,000 exemption on US-situs assets — not $15 million. Tally your exposure and see the graduated 18–40% bill your heirs would face.
What one missing form costs.
- $2,000 — lost per $10,000 of dividends, per year: 30% default vs China’s 10% treaty rate
- $27,600 — ten-year cost of that drag, had the difference been reinvested at 7%
- 40% — top US estate tax rate above $1M of US-situs assets, for nonresidents
- 3 years — W-8BEN validity; let it lapse and withholding snaps back to 30% Read how it happened to me →
Assumes $10,000/yr gross dividends, China treaty rate 10%, reinvestment return 7%/yr compounded annually. Your numbers differ — run them.
Same stock. Different tax.
A dividend from Coca-Cola is not one dividend. To an American it’s taxable income; to a German it’s 85 cents on the dollar; to a resident of mainland China, 90 cents; to someone in Singapore or Hong Kong — no treaty — 70 cents.
The rate is set by a treaty signed decades before you opened your brokerage account. It costs you nothing to claim, but nobody claims it for you. That’s the whole game: the default is expensive, the fix is a form, and the difference compounds.
- China (PRC) · Japan · Mexico — 10% withheld, $900 kept per $1,000
- UK · Germany · Canada · Australia — 15% withheld, $850 kept
- India · Israel · Philippines — 25% withheld, $750 kept
- Singapore · Hong Kong · Brazil — 30% withheld, $700 kept
Built by an investor who pays this tax.
DivAtlas started with a brokerage statement: a 30% hole in every dividend, and a broker that never mentioned the fix. The English-language internet has endless content about which dividend stocks to buy — and almost nothing about what non-US investors actually keep.
So this site covers the unglamorous arithmetic: treaty rates, W-8BEN mechanics, ADR custody fees, the $60,000 estate-tax cliff, and why Ireland-domiciled UCITS funds exist. Every rate comes from IRS Tax Treaty Table 1 and is linked to source.
More about who runs this site →
DivAtlas is an educational reference, not tax, legal or investment advice. Rates change; verify against the treaty text and a cross-border tax adviser before acting.
Figures and rates on this page last checked: September 2, 2026.