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Dividend Tracker

Log every payment, simulate DRIP reinvestment, project future income, and visualize your portfolio — all privately in your browser.

This year
$0.00
Monthly avg
$0.00
All-time total
$0.00
Deducted at source (e.g. foreign stock). Net income shown in Holdings.
Import CSV

Header row required. Column order flexible.

ticker,shares,dps,cost_basis,ex_date,pay_date,withholding_pct,notes AAPL,100,0.25,150.00,2024-08-09,2024-08-15,0, VYM,200,0.94,105.00,2024-09-23,2024-09-27,15,foreign

cost_basis, dates, withholding_pct, notes are optional. Dates: YYYY-MM-DD.

Aggregated per ticker. Frequency is estimated from payment spacing.

Ticker Freq. Payments Total gross Net (after tax) Annual est. Yield on cost
No holdings yet — log a dividend to get started.
Monthly income
By ticker
Pay date Ticker Shares Div/share Gross Net Notes
No records yet.

Simulate reinvesting dividends to buy more shares each period — compounding your income over time.

How it works

Enter each dividend payment — the amount you received or expect to receive — with the ticker, shares held, and dividend per share. The tracker calculates and stores everything locally.

Payment total
Total = Shares × Dividend per share. Net = Total × (1 − withholding %/100).
Frequency detection
The average gap between pay dates determines whether a ticker pays monthly, quarterly, semi-annually, or annually.
Annual income estimate
Sums payments in the last 12 months, divides by months with data, multiplies by 12 — giving a reasonable forward run rate for consistent payers.
Yield on cost (YoC)
YoC = (Annual div/share ÷ Cost basis/share) × 100. Shows your real income return vs. what you originally paid.
DRIP simulation
Reinvests dividends each period to buy fractional shares at the current price. Compounds dividends and optional annual contributions over your chosen horizon.
Privacy
All data lives in your browser's localStorage. Nothing is sent to any server. Use Export CSV to back up or move data between devices.
Frequently asked questions
What is yield on cost and why does it matter?
Yield on cost (YoC) compares annual dividend income to what you originally paid for the shares — not the current price. Formula: (annual dividends per share ÷ cost basis per share) × 100. If you bought a stock at $50 and it now pays $3.00/year, your YoC is 6% even if the current market yield looks like 3%. Long-term holders often see YoC climb well past 10% as companies grow their dividends — making older positions far more productive than they appear on current yield alone.
How does the DRIP calculator work?
DRIP (Dividend Reinvestment Plan) means reinvesting each dividend payment to buy additional shares instead of taking the cash. The calculator runs a period-by-period simulation: each period's dividend is divided by the share price to add fractional shares. Dividend growth rate increases the per-share dividend each year; share price growth raises the value of each share over time. Optional annual contributions add new capital at each year boundary. The result shows how compounding accelerates both income and portfolio value vs. taking dividends as cash.
How is dividend frequency detected?
The tracker looks at all pay dates for a ticker, sorts them, and computes the average gap in days between consecutive payments. A gap under 45 days → monthly; 45–120 days → quarterly; 120–270 days → semi-annual; over 270 days → annual. If there is only one payment on record, frequency is shown as "1 payment" until more data accumulates.
What is withholding tax and who needs it?
Many countries deduct a percentage of dividends at source when they are paid to foreign investors. Common examples: the US withholds 15–30% on dividends paid to non-US holders, Canada 25%, Germany up to 26.4%. Enter the withholding percentage when logging a payment and the tracker will show both gross income and net income after tax in the Holdings table and history, so you can see your true take-home income.
Will my data be saved if I close the browser?
Yes. Every entry is saved to localStorage immediately. Data persists across sessions on the same device and browser. It is not synced between devices — use the Export CSV button on the History tab to keep an off-device backup or transfer data between browsers.
What CSV format does the importer accept?
A header row is required containing at minimum ticker, shares, and dps (dividend per share). Optional columns: cost_basis, ex_date, pay_date (YYYY-MM-DD), withholding_pct (a number like 15 for 15%), and notes. Column order is flexible. Rows with invalid numbers are skipped and a count is reported.
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