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Covered-call / option-income ETF

PLTY dividend & DRIP calculator

YieldMax PLTR Option Income Strategy ETF

PLTY sells options on a synthetic Palantir position — premium income harvested from one of the market's most-watched, most-volatile names. As with every single-stock option fund: the yield is not a promise, the payout tracks one company's fate, and the calculator's stress presets are the honest starting point.

Price

$31.13

as of 2026-07-16YieldMax ETFs (issuer data)

Distribution rate

50.1%

as of 2026-07-16YieldMax ETFs (issuer data)

SEC 30-day yield

1.1%

as of 2026-07-16YieldMax ETFs (issuer data)

Expense ratio

1.07%

as of 2026-07-16YieldMax ETFs (issuer data)

Trailing ROC share

62%

as of 2026-07-16YieldMax ETFs (issuer data)

Payout frequency

Weekly

fund’s stated cadence

Latest declaration

ex 2026-07-16 · $0.2998/share · −11.0% vs trailing avgread the note declaration log

Upcoming

ex 2026-07-23 · pays 2026-07-24amount TBDex 2026-07-30 · pays 2026-07-31amount TBDex 2026-08-06 · pays 2026-08-07amount TBDfull calendar + feed

Scenario calculator — pre-loaded with PLTY’s latest payout

Outlook

Inputs

Starting investment

$

Monthly contribution

$

Years1 yr

Share price

$

Distribution / share

$

volatile payers swing payout to payout — the average smooths the starting point

Payout frequency

pays weekly — 52 payouts/yr folded into the monthly model (×52⁄12)

Distribution growth per year

%

Price growth per year

%

Effective tax rate on distributions

%

Use 0% for IRA/Roth. Simplified: one flat rate, federal only.

Apply ROC classification to taxes (estimate)treats the ~62% of trailing payouts classified as return of capital as not taxed when paid — cost-basis effects at sale are not modeled; an estimate, not tax advice

Reinvest distributions (DRIP)

Stress test

share carries inputs in the link only — nothing stored

Average gross income, final year

$607/mo

$7,286/yr gross

Value after 1 yrs

$20,286

Total gain / contributed

+56%

$7,286 gain · 63.3%/yr

Total contributed

$13,000

final-year gross (pre-tax) income ÷ contributed 56.0%

What this scenario says

Contributing $10,000 up front plus $250 a month for 1 years puts in $13,000 of your own money. Under these assumptions the position ends worth $20,286, averaging about $607 a month in gross distributions in its final year. That is a total gain of $7,286 (+56%) — about 63.3% a year, money-weighted, counting income and price together.

Your money $13,000Growth + reinvested income $7,286

Income milestones

$100 avg gross/mo around year 1
$250 avg gross/mo around year 1
$500 avg gross/mo around year 1

Assumption ledger

Share price: $31.13as of 2026-07-16
Distribution per share (weekly, modeled monthly): $1.2991latest payout · as of 2026-07-16
Distribution growth / yr: -30.0%trailing 12-vs-prior-12 payout trend
Price growth / yr: 0.0%assumption — no issuer return history
Tax rate on distributions: 0.0%your input
Reinvest distributions: yesyour input

Fragile assumptionYour inputs imply roughly 50.1% per year in combined distributions and price growth, sustained for 1 years. Long-run outcomes that high are rare; treat this as an optimistic scenario.
NotePart of this fund type’s distribution is often classified as return of capital, which changes tax treatment and can reflect NAV erosion. Distribution rate is not the same as total return.
CautionMore than half of recent distributions were classified as return of capital (62%). The headline distribution rate overstates taxable income and may overstate economic yield.

Every rate above is held constant for the whole projection — real markets never do that. This is a scenario, not a forecast.

Year-by-year table

Year-by-year projection results
Year	Gross income	Contributed	Ending value
1	$7,286	$13,000	$20,286

Distribution history

YearOrder47 payouts

Distribution history
Ex-date	Pay date	Per share	Return of capital
2026-07-16	2026-07-17	$0.2998	95%
2026-07-09	2026-07-10	$0.2758	93%
2026-07-02	2026-07-06	$0.2574	0%
2026-06-25	2026-06-26	$0.2605	0%
2026-06-18	2026-06-22	$0.2987	94%
2026-06-11	2026-06-12	$0.2962	80%
2026-06-04	2026-06-05	$0.4810	40%
2026-05-28	2026-05-29	$0.3673	95%
2026-05-21	2026-05-22	$0.3565	18%
2026-05-14	2026-05-15	$0.4361	95%
2026-05-07	2026-05-08	$0.2708	0%
2026-04-30	2026-05-01	$0.3607	95%

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Risk & assumption notes

Option-income distributions are variable by construction. This page uses the fund’s recent payout trend as an editable default when enough weekly history exists; it is a scenario, not a forecast; the calculator models these weekly payouts as their monthly equivalent.
About 62% of trailing distributions were classified as return of capital: they lower your cost basis rather than being taxed as current income, and can accompany NAV erosion.
Covered-call strategies cap upside; comparing this fund’s distribution rate against an index fund’s total return is a category error.
Taxes are modeled as one flat rate on distributions — a simplification. Qualified dividends, ordinary income, and ROC are taxed differently. See methodology.

Questions people ask

Why does PLTY show a distribution rate of 50.1% but a SEC yield of 1.1%?

The distribution rate annualizes recent payouts; the SEC 30-day yield measures net investment income under a standardized formula. For option-income funds the gap is normal — premiums and return of capital can fund distributions well above earned income. Neither number is a forecast of total return.

Is PLTY's distribution guaranteed to continue at this level?

No. Its distributions depend on option premiums and market conditions, and funds like this have raised and cut payouts without notice. That's why this page's calculator includes a distribution-cut stress preset.

Can this page tell me whether to buy PLTY?

No — and it doesn't try. This is an educational scenario tool: it shows the arithmetic consequences of assumptions you choose. It makes no recommendations and no predictions.

Does PLTY hold Palantir shares?

It holds a synthetic position built from options rather than the stock itself, then sells calls against it. You get capped participation in PLTR's moves plus option-premium income — not PLTR's full total return.

PLTY versus peers — income now or growth kept?

Versus lab

Starting investment

$

Monthly contribution

$

Years10 yrs

Tax rate on distributions

%

Applies to both sides. 0% = tax-advantaged.

PLTYincome fund

YieldMax PLTR Option Income Strategy ETF

Dist. rate: 50.1%
SEC yield: 1.1%
Expense: 1.07%
ROC share: 62%

$1.2991/share · weekly, modeled monthly · latest payout

Price growth /yr

%

assumption — no issuer return history

Payout growth /yr

%

trailing 12-vs-prior-12 payout trend

Avg gross income, final year: $165/mo
Ending value: $100,381
Total gain / contributed: +151%(14.1%/yr)
Distributions collected: $60,381

Generates high current distributions — useful if you spend the cash flow
Income keeps flowing in flat or choppy markets
High return-of-capital classification defers taxes (but watch NAV)

MSTYincome fund

YieldMax MSTR Option Income Strategy ETF

Dist. rate: 85.0%
SEC yield: 1.0%
Expense: 1.03%
ROC share: 56%

$0.8957/share · weekly, modeled monthly · latest payout

Price growth /yr

%

assumption — no issuer return history

Payout growth /yr

%

trailing 12-vs-prior-12 payout trend

Avg gross income, final year: $23,034/mo
Ending value: $1,433,028
Total gain / contributed: +3483%(56.0%/yr)
Distributions collected: $1,393,028

Generates high current distributions — useful if you spend the cash flow
Income keeps flowing in flat or choppy markets
High return-of-capital classification defers taxes (but watch NAV)

Under these assumptions MSTY leads on both income and ending value. A clean sweep usually means the growth assumptions strongly favor one side — before reading anything into it, ask whether that side’s implied combined payout and price-growth assumptions over 10 years are realistic. Nudge the growth fields above and watch how fast the sweep disappears.

Both sides run the identical deposit schedule with DRIP on and taxes off (0% — set a rate above for taxable accounts). Growth defaults come from each fund’s own record where available (payout history; issuer-reported returns) — but history is not a forecast, and this is not a recommendation.

Compared

Related

MSTY ULTY NVDY CONY Income goal calculator

Educational scenario modeling only — not investment, tax, or financial advice. Results are hypothetical outcomes of your assumptions, not forecasts.