Best Dividend Tracker 2025: An honest review of 5 popular tools used to track passive income

Picture this: You've been diligently tracking your dividend income in a spreadsheet. Every quarter, you manually enter payments, calculate yields, and try to forecast your future income. But as your portfolio grows, so does the complexity. You're now juggling multiple brokerage accounts, converting currencies, and trying to account for dividend reinvestments. The spreadsheet that once felt empowering now feels like a chore.

This is a common story for dividend investors. The natural next step is to find a dedicated tool, but the market is crowded. The right dividend tracker for an international investor should do more than just list payments. It needs to provide deep insights, handle real-world complexity, and ultimately, give you a clear picture of your entire financial world.

What truly matters in an ultimate dividend tracker?

Before comparing the tools, let's define what a great dividend tracker should offer. It's about more than just a list of received payments; it’s about understanding your income, planning for the future, and seeing the complete picture.

• Essential dividend metrics: At a minimum, a tracker must show your Dividend Yield and, more importantly for long-term investors, your Yield on Cost (YOC). It should clearly display your total income over time (monthly, quarterly, annually) and track your Dividend Growth Rate, which is crucial for seeing if your passive income is outpacing inflation.

• The dividend calendar: A visual calendar is a must-have. It should show you exactly when to expect your upcoming dividends, listing ex-dividend dates and dividend payout dates. A great calendar will even distinguish between dividends that have been officially declared and those that are estimated based on past payment schedules.

• Future income forecasting: This is where a tracker transforms from a simple ledger into a planning tool. The ability to project future dividend income—based on your current holdings, historical growth patterns, and planned contributions—is what helps you map your journey to financial independence.

• Handling the Snowball Effect (DRIP): Receiving a dividend is one thing, but reinvesting it is another. A top-tier tool should have dedicated support for Dividend Reinvestment Plans (DRIP), allowing it to accurately forecast how your income and holdings will grow from compounding, but also to give a sense of what you can miss if you don't reinvest. It should also handle dividends paid in stock.

• Discovery and Analysis Tools: While not strictly necessary for tracking, stock screeners that help you find new dividend-paying companies based on yield, growth, or safety can be a great addition, making the app a one-stop-shop for handling your portfolio.

• Tracking more than just dividends: True passive income often comes from multiple sources. A flexible tool will let you track interest from bonds, income from P2P lending, rental income from real estate, and staking rewards from crypto, all in one place.

• Tax handling: For many investors, tracking withholding tax and estimating tax due on dividends is non-negotiable. The ability to set custom tax rates for dividends from different countries is a powerful feature for accurate tax reporting.

• Total portfolio performance: Lastly, a great tool remembers that dividends are only part of the story. It must also track capital gains to give you a complete picture of your total return. Focusing only on income can be misleading and lead to poor investment decisions.

Now, let's see how five popular tools stack up against these criteria in 2025.

Capitally: Best for privacy-conscious investors with diverse income streams

Income forecasting in Capitally

Founded in 2023, Capitally is a modern platform built on a unique foundation of user privacy. It uses on-device, end-to-end encryption, meaning your financial data is encrypted with a key that never leaves your computer or phone. Not even the Capitally team can access your information. This makes it an ideal choice for high-net-worth individuals and anyone who takes their financial privacy seriously.

Dividend Tracking Capabilities

Capitally excels in providing a holistic view of your passive income. It automatically fetches dividend data and supports both DRIP and dividends paid in stock with dedicated transaction types, ensuring your snowball effect is tracked accurately. The dividend calendar shows both confirmed and estimated future payouts, and its income estimator can project your cash flow years into the future based on 5-year growth patterns. All relevant dividend metrics can be displayed as a number, or plotted on chart for any chosen time period or part of the portfolio.

The platform's key strength is its ability to track a wide array of income sources. You can track interest from bonds, rental income, P2P lending returns, and crypto staking rewards right alongside your stock dividends, providing a true picture of your total passive income. It offers robust multi-currency support, allowing you to view returns in any currency and, crucially, it separates capital gains from currency impact. For taxes, it records withholding tax and reported by your broker, and let's you customize your own tax logic to handle tax in your jurisdiction.

However, Capitally does not include a stock or dividend screener. It is designed for investors who do their own research and need a powerful, private tool to track and analyze their portfolio, rather than one that suggests new investments.

Overall Platform

The platform’s flexibility comes from its customization options and manual import system. While there's no direct broker sync, the importer is powerful, allowing you to map columns from any broker's CSV file and save the template for future use - of course, there are dozens of brokers supported out of the box. This approach gives you full control and works with any institution worldwide. The interface is clean and encourages exploration through a powerful portfolio explorer that feels like a pivot table for your investments (that is actually fun to use).

Pricing starts at €80/year for the Sailor plan, with a more comprehensive Navigator plan at €130/year. A full-featured 14-day free trial is available without a credit card.

Sharesight: Best tax reporting for Australia and New Zealand

With a 17-year history, Sharesight is a mature and reliable platform, especially for investors in Australia, New Zealand, the UK, and Canada. Its reputation is built on its specialized tax reporting features.

Dividend Tracking Capabilities

Sharesight pulls in dividend announcements, handles DRIPs by creating corresponding buy transactions, and provides a "Future Income" report showing announced (but not yet paid) dividends. It has a dedicated dividend income report. The platform calculates total return, so you always see both your income and capital gains.

However, its forecasting is limited to already-announced dividends; it cannot estimate future, unannounced payments. The tax reporting is its killer feature, automatically handling things like Australian franking credits and generating reports formatted for specific tax jurisdictions.

While it tracks dividend income well, its ability to track other income types like rent or P2P interest is limited and manual, forcing these into a stock-like framework.

Sharesight lacks dividend safety analysis, quality scores, or screening tools. There's no way to search for new dividend opportunities or evaluate existing holdings' dividend sustainability. The platform treats dividend tracking as a recording function rather than an analytical tool for income investors.

Overall Platform

Sharesight's primary strength is also its main limitation: its focus on specific markets. Its multi-currency support locks each portfolio into a single base currency, which can be frustrating for international investors. The user interface feels dated compared to newer applications, and navigating through various reports can feel slow.

Pricing starts with a very restrictive free tier (10 holdings). Paid plans cost around $12-$23 USD per month. To properly test it, you'll need to subscribe for at least one month, as there is no comprehensive free trial.

Snowball Analytics: The all-rounder with strategy tools

Based in France, Snowball Analytics is a popular choice for European investors looking for a balance of automation and analysis. It connects to brokers via the third-party service Yodlee, which offers convenience but requires sharing your login credentials.

Dividend Tracking Capabilities

Snowball provides a solid set of dividend tools. It includes all relevant dividend metrics, a dividend calendar, a 12-month income forecast, and a unique "Dividend Rating" system to assess the stability of a company's dividend. It also includes a stock screener, allowing you to search for dividend-paying companies based on various criteria.

However, its DRIP handling is basic; it simply logs reinvestments as new trades without specific forecasting for the compounding effect. While it can track custom assets like real estate, it lacks the specialized fields to properly track rental income distinct from dividends. Tax handling is also minimal, allowing you to log tax withheld but without customizable rules for different countries.

Overall Platform

Snowball's key differentiator is its portfolio strategy tools. You can set target allocations, use a rebalancing calculator, and even backtest strategies. This is great for investors who want to be more hands-on with their portfolio construction. The interface is clean and modern, though customization of reports is limited.

Pricing is tiered, with a limited free plan and paid plans ranging from $7.99 to $24.99 per month, all of which come with a 14-day free trial.

The Dividend Tracker: Polished simplicity for US, UK & Canadian Investors

The Dividend Tracker presents a clean, modern interface and is clearly designed for one purpose: tracking dividend income. With native mobile apps for iOS and Android, it offers a refined user experience for investors who want to check their income on the go.

Worth noting - it supports only US, UK and Canadian markets and a handful of currencies.

Dividend Tracking Capabilities

This tool is entirely focused on dividend metrics. It features a good dividend calendar, tracks monthly and yearly income, and includes its proprietary "Dividend Grades" to help users assess the quality and safety of a dividend. Its coverage extends to US, Canadian, and UK markets, giving it a slight edge over its most direct competitor mentioned in the next chapter. It sports a stock and dividend screener as well along with basic stock fundamentals and relevant charts.

However, this sharp focus comes with critical blind spots. The platform barely touches on capital gains, making it difficult to assess your total return. You could have a high-yielding stock that is consistently losing value, and you wouldn't easily see the damage. Furthermore, it only imports current balances with an average cost, not your full transaction history. This means crucial long-term metrics like Yield on Cost (YOC) are not based on your actual purchase history. It also lacks any meaningful tax tracking features.

Overall Platform

The Dividend Tracker is easy to use, and its automated broker connections (for premium users) simplify setup (if you're comfortable with sharing your credentials). However, the free tier is ad-supported and limited to just 10 holdings. For comprehensive tracking and to remove ads, you must upgrade to a paid plan, which starts at $8.99 per month. There's a lower plan, which still displays ads!

It's a solid choice for a dividend-only investor who values a polished mobile experience, but it's not a complete portfolio management tool.

Track Your Dividends: The budget option for US & Canadian beginners

Track Your Dividends targets the budget-conscious beginner with a straightforward proposition: track your dividend income for a low price. It's a web-only platform that sticks to the absolute basics of dividend tracking.

Dividend Tracking Capabilities

Like its peers, the platform is built around an income dashboard. It provides a dividend calendar, monthly income charts, and its own "Dividend Safety Score" to evaluate payout sustainability. It also includes several stock screeners to help users find high-yield stocks in the US and Canadian markets it supports.

Unfortunately, it shares the same fundamental flaws as other hyper-focused trackers. It completely ignores total return, providing a dangerously incomplete view of your performance. It does not import historical transactions, so metrics like YOC are inaccurate approximations. It has no features for tracking DRIP compounding, handling withholding tax, or managing other income sources. The platform is strictly for tracking dividend payments from US and Canadian stocks, and nothing more.

Overall Platform

The main draw is the price ($9.99/month or $99/year). However, the free tier is severely limited to 12 stocks and is cluttered with a large number of distracting ads. To even start the 7-day trial, you must sign up for a paid subscription. For investors needing anything beyond a very basic, income-only view of a US-centric portfolio, the limitations quickly become apparent.

The Final Verdict: Choosing your best dividend tracker

The right dividend tracker depends entirely on your needs as an investor.

If you are a privacy-conscious, international investor with a diverse portfolio that generates income from multiple sources (stocks, bonds, rent, etc.), Capitally is the standout choice. Its flexibility, robust multi-currency support, and powerful forecasting tools provide a complete and accurate picture of your wealth, all while keeping your data completely private.

If you are an investor in Australia or New Zealand whose primary concern is simplified tax reporting for a portfolio of listed securities, Sharesight is purpose-built for you.

If you are a European investor who values strategy tools like backtesting and rebalancing and is comfortable with third-party data aggregation, Snowball Analytics offers a compelling all-in-one package that's easy to use.

The specialized platforms like The Dividend Tracker and Track Your Dividends serve a narrow niche. They can be a starting point for US-based beginners with simple, dividend-only portfolios. However, their lack of total return analysis and inability to track diverse assets make them insufficient for serious, long-term wealth management.