DivTrkr Pricing — Free Forever, Premium from $29/year
Unlimited holdings and a live brokerage connection cost nothing on DivTrkr. Every other dividend tracker we checked caps its free plan at 10 or 15 holdings and charges for brokerage sync. Premium exists for the deeper analytics — not to unlock the basics.
Free — $0 forever
The whole tracker. No trial timer, no credit card, no expiry date.
- Unlimited holdings — No cap on how many positions you track.
- One brokerage connection — Sync Fidelity, Schwab, Vanguard and 12,000+ institutions through Plaid.
- Dividend calendar — Every ex-dividend and payment date for your holdings.
- Stock screener — Filter dividend stocks and ETFs by yield, payout ratio and growth streak.
- FIRE calculator & income projections — Model when dividend income covers your expenses.
- AI dividend coach — Ask questions about your portfolio in plain English.
Premium — $29/year for Founding Members
Everything in Free, plus the analytics that tell you whether your income is actually safe. The first 100 members lock in $29/year for life; the list price is $79/year. Thirty-day money-back guarantee, cancel any time, and cancelling never removes data you already have.
- Portfolio X-Ray — Look through your ETFs to the real underlying concentration, sector mix and covered-call exposure.
- Dividend Cut Radar — Cut-risk scoring on every holding. Stocks read on payout ratio, growth streak and stretched yield; funds on distribution trend, NAV erosion and yield versus peers running the same strategy.
- NAV Erosion analysis — Separate the funds paying you from income from the ones paying you back your own capital.
- After-Tax Income — What you actually keep. Qualified vs ordinary treatment, REIT Section 199A, state rates and your real marginal bracket.
- CSV export — Take your holdings and dividend history out whenever you want.
- Up to 5 brokerage connections — Consolidate accounts across institutions.
Dividend cut-risk scoring, without the $468 price tag
The best-known dividend safety product on the market charges $468 a year, has no free plan, and scores companies on payout ratio. That works for an operating business. It tells you almost nothing about a covered-call ETF, because a fund does not have a payout ratio — it has a distribution policy and a NAV.
Cut Radar reads funds the way funds actually work: distribution trend, NAV erosion, and yield measured against other funds running the same strategy. That matters now, because a large share of retail dividend money sits in covered-call and weekly-paying ETFs where payout-ratio scoring produces confident nonsense. Same job, $29 a year instead of $468 — and the free plan still shows you the portfolio.
How the free plans compare
Every figure below was read off that product's own pricing page in August 2026. Dividend trackers almost all use the free tier as a demo — a holdings cap low enough that a real portfolio will not fit, with brokerage sync reserved for paying customers.
| Product | What the free plan gives you | Brokerage sync included free? | Cheapest paid plan |
|---|---|---|---|
| DivTrkr | Unlimited holdings | Yes | $29/yr |
| DivTracker | 10 holdings | No | $29.99/yr |
| Stock Events | 15 stocks | No | $49.99/yr |
| Digrin | 30 transactions/mo | No | €50/yr |
| The Dividend Tracker | 10 holdings, ad-supported | No | $71.40/yr |
| Snowball Analytics | 10 holdings | No | $79.99/yr |
| Capitally | No free plan | No | €80/yr |
| Sharesight | 10 holdings | No | $84/yr |
| DivvyDiary | 1 portfolio | No | €89.99/yr |
| Portseido | 50 transactions | No | $96/yr |
| Simply Safe Dividends | No free plan | No | $468/yr |
Some products listed are Europe-focused and have no US brokerage connection at any price.
Questions
Is the free plan actually free?
Yes, and there is no trial timer on it. No credit card, no expiry. You get unlimited holdings, a live brokerage connection through Plaid, the dividend calendar, the stock screener, the FIRE calculator and the AI coach for $0. Most dividend trackers cap their free tier at 10 or 15 holdings and put brokerage sync behind a paid plan. We do not.
How do you make money if the core product is free?
Premium. A minority of members upgrade for the deeper analytics — Portfolio X-Ray, Cut Radar, NAV Erosion, After-Tax Income and CSV export — and those subscriptions fund the free tier for everyone else. We do not sell your data and we never will.
What is the Founding Member price?
The first 100 Premium members pay $29/year and keep that price for as long as they stay subscribed, even after the list price goes to $79/year. It is the same product either way — the discount is for the people who backed it early.
Do I need to connect a brokerage?
No. Manual entry and CSV bulk upload work on every plan, and plenty of members never connect an account. Plaid sync is there if you want your holdings and dividends to update themselves.
Can I cancel?
Any time, and there is a 30-day money-back guarantee. Cancelling drops you back to the free plan — your portfolio, holdings and history stay exactly where they are. We never delete data you earned access to.
What happens to my data if I downgrade?
Nothing. Your holdings and dividend history remain intact and fully visible. Only the Premium analytics views lock.
Create a free account — connect a brokerage or add holdings by hand. Upgrade later, or never.