Track Your Dividends

A Free Dividend Portfolio Tracker Built for Passive Income Investors

Track Your Dividends is a web-based portfolio tracking tool tailored to dividend investors. It was launched in early 2021 by Chronim Investments Inc, a company built around income investing and financial education. The company acquired Track Your Dividends during the COVID-19 pandemic because the app "seeks to answer that simple question" about how to track dividend payments. Chronim Investments describes itself as having 20 years of investment experience, managing $100+ million in funds, and employing 4 investment professionals on staff. The parent company's stated core values are "income investing and empowering individual investors." The app runs on the web and includes mobile apps for both iOS and Android, allowing you to check your portfolio from any device.

Track Your Dividends offers a free tier at no cost and an optional paid premium subscription. The site positions the free version as a complete product: "Enjoy all the basic features of TrackYourDividends at no cost." Customer adoption reflects the value proposition; the About page states that "over 130,000+ other dividend investors can't be wrong" and invites visitors to "join our group of investors obsessed with dividends." The site describes the core problem it solves: "Ditch Your Dividend Spreadsheet. The best dividend spreadsheet isn't a spreadsheet. Imagine a tool that updates automatically, sends dividend alerts, and shows future payments. That perfectly describes TrackYourDividends." For investors tired of manually updating spreadsheets every time a stock pays a dividend or announces a policy change, this automation is the appeal.

Connecting Your Brokerage Accounts

Track Your Dividends links directly to brokerage and bank accounts using Plaid, a multi-institution aggregation service. The site says: "Effortlessly connect to thousands of banks and brokerage firms using Plaid. The easiest way to add, track, and analyze your dividends stocks." Plaid supports connections to most major brokerages in the US and many international custodians. You can also manually add stocks if your brokerage is not covered by Plaid or you prefer not to connect an account directly. The site states you can "get started with a free account. Add your stocks manually or download them from your broker."

Once accounts are connected via Plaid, the app automatically updates holdings when you buy or sell positions. The free tier allows you to link one brokerage or bank account. The premium subscription unlocks "Unlimited Linked Accounts," permitting you to aggregate positions across multiple custodians. The pricing page lists "Link Your Accounts" as a free-tier feature but does not specify the refresh frequency or what happens if a Plaid connection breaks. It does not explain whether updates are real-time, hourly, daily, or delayed.

Portfolio Tracking, Dividend Projections, and Analysis Tools

Track Your Dividends centers its workflow on dividend income and portfolio health. The free tier includes "Future Value Projections," a tool that estimates upcoming dividend payments based on your current holdings, and "Diversification Analysis" to evaluate concentration risk across your holdings. The premium tier adds a proprietary "TYD Dividend Safety Score," which evaluates the likelihood that companies will continue or increase their dividend payments over time. The site explains: "Compare the likelihood of future, growing dividend payments between companies" using the safety score. For dividend investors, this score helps identify which holdings have sustainable income streams versus those at risk of cuts.

Additional premium features include "Stock Analysis" (fundamental data on companies), "Stock Popularity" (sentiment and following), a "Dividend Screener" for finding new dividend-paying stocks matching your criteria, a "Dividend Idea List," and personal "Watchlists" to track stocks you are considering but have not yet purchased. The pricing page lists "Hand-Pick Alerts," allowing you to customize notifications by dividend-declaration dates, payment dates, and a weekly recap of portfolio activity. All tiers receive basic "Dividend Alerts" and a "Dividend Calculator" tool, though premium adds finer control over which specific alerts you receive and includes historical dividend data. The site includes an educational component: a "Best Dividend Investing Course" with 8 lessons covering dividend basics, tax implications, DRIP strategies, and portfolio construction. The course is exclusive to premium members or included in the 7-day free trial, teaching dividend investing fundamentals from first principles.

Pricing, Trial Period, and Money-Back Guarantee

Track Your Dividends offers a free tier permanently. The free plan includes one linked brokerage account, unlimited manual portfolios, future value projections, basic dividend alerts, a dividend calculator, and diversification analysis. There is no time limit on the free tier; you can use it indefinitely. The free version is genuinely usable for dividend tracking; one customer notes the app has "no frills" and is "very easy to use," indicating the free tier is not a crippled trial.

The premium subscription costs $9.99 per month if you pay monthly, or $99.99 per year if you pay annually, representing a 17 percent discount if you commit to annual billing. Every new user receives a 7-day free trial of premium features before being charged. If you do not cancel before the trial ends, your credit card is charged automatically on the subscription schedule you chose. The site explicitly addresses refunds: "We offer a 14-day money-back guarantee. No Questions Asked. We're proud of our service and want you to be satisfied." This means you can try premium and get a full refund if dissatisfied within two weeks. The FAQ confirms cancellation is simple: "You can manage your subscription easily from the profile page. Cancel or downgrade anytime you like." Payments are processed through Stripe, a major payment processor, so your card details are handled by a third-party service.

Who Gets Value from Track Your Dividends

Track Your Dividends is built for dividend-focused investors who want a free, straightforward portfolio tracking tool without complexity. If you have a single brokerage account and want to track dividend payments, receive alerts on dividend changes, and project future income, the free tier delivers these core features. The combination of Plaid account linking and automatic updates eliminates spreadsheet maintenance. The proprietary Dividend Safety Score and research tools provide additional context if you are researching new dividend stocks.

The app is not suitable if you need comprehensive portfolio management, tax-loss harvesting, rebalancing guidance, or trade execution. It is a tracking and research tool, not an advisor or trading platform. The free tier's single linked account means that if you hold investments across multiple brokerages, you must either pay for premium ($9.99/month or $99.99/year) to link them all, or maintain separate free accounts and manage them independently. The free tier also includes advertisements; the pricing page notes that premium adds "No Advertisements" and offers "Priority Support" with a one-business-day response target for support tickets. If you are willing to maintain a spreadsheet or use your brokerage's native dividend tracking, the free tier may feel unnecessary; it shines when you want automatic updates without the data-entry burden.