Know your passive income before it arrives
The dividend tracker that shows you every payout before it lands — and pinpoints the day your portfolio starts paying your bills.
How to predict dividend yields without a glass ball?
Know what's coming before it lands. See every payout from every holding, months out — with broker-reported withholding tax already accounted for and the math behind every number visible.
An accurate dividend tracker projects future payouts by combining each holding's announced ex-dividend and pay dates with multi-year growth-rate estimates, preserves the withholding tax your broker reported for each jurisdiction, and lines up yield, yield-on-cost (YoC), and dividend growth rate (DGR) for direct comparison. Capitally does this for stocks, ETFs, bonds, real-estate rentals, P2P lending, and crypto staking — every income stream on one ledger.
Complete dividend portfolio tracker
Track dividends & passive income
Capitally's dividend tracker imports every payout from your broker — including the exact withholding tax the broker reported — so the figure on your tax return matches the figure in your tracker. The same view handles rental income, bond coupons, P2P interest, and staking rewards, letting you compare net yield across asset classes on a single, currency-adjusted basis. Best for dividend and FIRE investors who want to see future cashflows in advance, not reconstruct them after the fact.
- Track dividends with broker-reported withholding tax preservedImport every payout from your broker with the exact withholding tax the broker reported, across 14 jurisdictions including the US, UK, Germany, the Netherlands, France, and Poland — so the figure on your tax return matches the figure in your tracker.
- Make it your dividend portfolio calculatorCompare every holding on dividend yield, yield-on-cost (YoC), and dividend growth rate (DGR) side-by-side to find your top income generators on a single, currency-adjusted basis.
- Measure the exact compounding effect of DRIPTrack DRIP and stock-paid dividends with per-lot accounting, so the compounding curve reflects your actual reinvestment pattern — not an approximation that ignores price-at-reinvestment.
- Identify top income assets on a heatmapA heat-map view ranks every holding by yield, YoC, or absolute payout — so you see at a glance which positions drive your income, and which underperform their cost basis.
Dividend portfolio calculator
When your portfolio becomes your paycheck?
Capitally's dividend forecast combines each holding's announced ex-dividend and pay dates with a trailing five-year dividend growth rate (DGR) to project monthly, quarterly, and annual cashflows several years out. The crossover-point view shows when projected dividends are expected to cover your modeled expenses — the milestone that defines financial independence for income investors.
Test the assumption set against history before you act on it: clone the portfolio, change the DGR, and compare side-by-side.
- Dividend CalendarUpcoming ex-dividend, record, and pay dates for every holding, with monthly, quarterly, and annual income projections rolled up across all your accounts and currencies.
- Anticipate future dividendsCombine broker-announced dividends with growth-rate-driven estimates to project income years ahead, even when issuers haven't formally declared the next payout yet.
- Visualize your growth potentialCharts of trailing five-year dividend growth rate (DGR) for every holding, side-by-side, so you can spot accelerating or decelerating payouts before they show up in your yield.
- Test many strategies. Risk-FreeClone your portfolio into separate projects to test new income strategies — different DGR assumptions, sector rotations, DRIP toggles — without affecting your real records.
Rent and interest coupons
Go beyond dividends.
Capitally treats rental income, bond coupons, P2P interest, and crypto-staking rewards as first-class income streams alongside stock and ETF dividends. Each runs through the same yield, yield-on-cost, and dividend growth rate (DGR) calculations on a currency-adjusted basis, so you can compare net cashflow across asset classes and decide which streams are actually moving you toward financial independence — not which ones look biggest in their native currency.
- Monitor all income sourcesTrack rent, bond coupons, P2P interest, and crypto-staking rewards alongside dividends, all on the same currency-adjusted ledger as your equity holdings.
- Compare yields across all assetsStocks, ETFs, bonds, real estate, and crypto run through the same yield, YoC, and DGR calculations on a currency-adjusted basis — so the comparison is apples-to-apples regardless of asset class.
- See full income pictureA single income-cashflow view rolls up every passive stream — dividends, rent, coupons, interest, staking — into one monthly, quarterly, and annual total.
- Spot and optimize top earnersFive-year growth-rate charts across stocks, real estate, bonds, and alternatives in one view, so you can rebalance toward the streams whose payouts are actually accelerating.
The only portfolio tracker where your data is only yours
End-to-end encrypted on your device — before anything leaves your device. We can't see your data, and neither can anyone else.
- Your data is encrypted on your device with a private key, before it ever leaves it
- This is in addition to standard transport and at-rest encryption
- No Plaid, no aggregators, no broker linking — paste a CSV, keep your credentials
- No 3rd-parties, no trackers, no ads, no upsells
- Export everything at any time — there's no lock-in
- EU-hosted — GDPR by design
Dozens of capabilities
- 🌈All types of assetsStocks, ETFs, crypto, options, real estate, art — and any custom asset you can put a price on.
- 📥Import from anywhereImport from dozens of brokers, or paste a 10-year spreadsheet. Transactions or balances — your choice.
- 💶Multi-currency with FXTrack and view in any currency. See FX attribution — capital gain vs currency gain — separately.
- 🧠Pro-grade analyticsTWR, MWR, IRR, ROI, Yield, Yield on Cost, dividend growth, exposure analysis — methodology shown.
- 🏆Advanced benchmarksCompare your results against any index, ETF, custom asset, inflation, or any slice of your own portfolio.
- 🌎Exposure analysisSee exposure by region, sector, currency, and any custom category you tag.
- 💰Dividend trackerDividends, rent, interest, and any other investment income. DRIP supported.
- 🔮Income calendar & estimatesSee upcoming dividends and rent payments — and forecast them years ahead.
- 🏛️Capital gains taxesFIFO, average cost, or specific-lot. Tax-loss harvesting and year-end filings, with presets per jurisdiction.
- 🏦Liabilities, bonds and depositsMortgages, bond coupons, P2P loans, deposits — modeled with their actual terms and rates.
- 🤹Stock options trackerTrack stock options with strike, expiry, and Greeks alongside the rest of your portfolio.
- 🛟Short positions and marginShort sales and short options, with margin requirements properly accounted for.
- 🏷️Organize & filter your wayNest accounts, tag transactions, categorize assets — then filter and group however you need.
- 💄Build it your wayYour charts, filters, date periods, tables, importers, tax presets — even your menus.
- 🧪Test investment scenariosSpin up a "what-if" project to test a strategy against your real history — risk-free.
- 🥷On-device encryptionEnd-to-end encrypted before data leaves your device — the only portfolio tracker that does this.
- 🚫No ads or 3rd-party trackersNo data sharing, no surveillance — your activity stays on your device.
- 📱Fully-featured mobile accessTrack on the go, on multiple devices, even offline.
Loved by DIY investors
Advanced retail investors, multi-currency expats, and high-net-worth individuals — across all continents.
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
Frequently Asked Questions
Once Capitally knows which dividend-paying assets you own, it pulls each declared payment from market data and posts it to your portfolio with the correct ex-date, pay-date, and gross amount. There's no need to import dividends from your broker file unless you want to. See Tracking Dividends for the full setup.
If you import a broker file with dividends, the manual record takes precedence over the auto-generated one — so the version closest to your tax document is what shows up, and there are no duplicates.
For tax reporting, importing the broker file is the more reliable path: it captures the actual withholding tax applied per payment and the FX rate the broker used, both of which the auto-tracker can only approximate. Country-specific tax presets then carry the WHT through to the right line item on your capital-gains and income reports.
Yes. Foreign-stock and ETF dividends track the same way as domestic ones, and Capitally records the withholding tax (WHT) deducted at source as a separate component of the cashflow — so the gross dividend, the WHT, and the net amount are all visible per payment. See Tracking Dividends for the full setup.
You can let WHT be derived from your broker's import or override it manually per payment when the broker file is incomplete. Each payment is captured in the dividend's currency and reconciled into your base currency, which keeps cross-border yield-on-cost and forecasted-income calculations accurate.
For tax filing, country-specific tax presets carry the WHT through to the right line item — useful when a foreign-tax credit or treaty-based refund needs to be reconciled at year end.
Capitally calculates future dividend projections using the last 5 years of dividend payments for publicly traded instruments (regardless of whether you held them the whole time). For custom assets, we use the last 5 years of data you’ve entered. The next expected dividend amount is calculated as the last dividend paid multiplied by the average growth rate over the last 5 years.
Not yet. Forecasted dividends currently use a fixed model — last 5 years of payouts, projected forward at the average growth rate of that window — without per-asset overrides for growth rate, payout cut, or DRIP-on/off scenarios.
Custom growth assumptions and scenario modelling are tracked on the roadmap. In the meantime, you can fork a project, edit the underlying dividend history, and use the projection that comes out of the modified series.
Yes. Add a manual transaction against any asset and choose the income type — dividend, interest, or rent — to capture any passive-income stream, whether it's real-estate rent, bond coupons, P2P lending payouts, or distributions from a private fund.
All income types feed into the same yield-on-cost and forecasted-income views, so a multi-stream FIRE portfolio shows a single combined income calendar even when the underlying instruments are very different.
Your financial data is end-to-end encrypted on your device with AES-GCM, using a key derived from your password — Capitally itself cannot decrypt it. We never connect to your broker or bank either: no Plaid, no Yodlee, no open-banking aggregator, no shared credentials. If our database were ever breached, the extracted data would be unreadable.
The CSV-only import path is also more accurate than aggregator sync. Broker exports usually go back to the day the account was opened and carry the corporate actions, dividend reinvestments and FX conversions that aggregators tend to drop — so cost basis stays auditable and returns reflect the real holding period.
We don't sell financial data, behavioural patterns, or any other personal information. Product analytics are limited to feature adoption and performance, are opt-out, and never include the size or value of your investments.
All servers and databases live in EU data centres, with TLS in transit, encryption at rest, and standard security practices on top of the per-user encryption. Export and permanent deletion are one-click operations inside the app — no email required.
For the full encryption model — including PBKDF2 key derivation, RSA-OAEP key wrapping, and how multi-device sync stays zero-knowledge — see the data safety guide.
Yes. The forecasted income calendar lists every expected dividend across your holdings, with expected ex-date, pay-date, gross amount, withholding tax, and net amount per payment. See the dividend-tracking feature page for an overview.
Forecast amounts come from the most recent declared dividend, projected forward at the historical 5-year growth rate. You can opt into a recurring digest that highlights the next month's expected income — useful for FIRE / dividend-track investors planning cashflow.
Yes, on the Navigator plan and above. Create one or more Test Projects, then set up multiple Accounts inside each project — one per strategy you want to compare (e.g. dividend-growth ETFs vs high-yield individual names vs DRIP-on vs DRIP-off).
Accounts within the same project chart side by side, so total return, yield-on-cost, and forecasted income are directly comparable on one timeline.
Cross-project comparison isn't supported — strategies you want to benchmark against each other should live in the same Test Project.
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