Income Refinery is your personal passive income dashboard — a single, beautiful view of everything your money earns for you. Dividends, rent, interest, royalties, bonds, pensions — all tracked in one place, converted to your preferred currency, and laid out month by month so you always know exactly where you stand.
This guide covers both the free and Pro versions in one place. Features exclusive to Pro are marked with a Pro badge throughout. Free users: these callouts give you a clear preview of what's waiting when you're ready to upgrade — at incomerefinery.com/pro.
🔒
100% Private
Everything lives in your own browser. No accounts, no cloud, no servers. Your financial data never leaves your device.
🌍
30 Global Exchanges
Track holdings from NYSE, NASDAQ, LSE, ASX, TSX, HKEX, SGX, and 23 more exchanges worldwide, all in one dashboard.
💱
Multi-Currency
Hold assets in any supported currency. Live ECB exchange rates convert everything to your chosen base currency automatically.
📅
Monthly Calendar
See at a glance which months have income and which don't. Plan your portfolio to smooth out any seasonal gaps.
⚡
SECTION 1
Free vs Pro — At a Glance
Both versions share the same beautiful interface and all the core tracking features. Pro adds analytical depth — forecasting, scenario modelling, yield-on-cost tracking, and unlimited capacity — for investors who want to go further.
Feature
Income Refinery (Free)
Income Refinery Pro Pro
Capacity
Stock / REIT / Fund holdings
Up to 10
Unlimited
Rental properties
Up to 1
Unlimited
Other income streams
Up to 3
Unlimited
Core Dashboard
Monthly income calendar
✓
✓
30 global exchanges
✓
✓
Multi-currency + live ECB FX rates
✓
✓
Monthly target + progress bar
✓
✓
FI Milestones strip (Lean / Target / Fat FI)
—
✓Pro
Blended yield on section headers
—
✓Pro
Holdings — Data Entry
Ticker Lookup (8-source priority system)
✓
✓
Bulk import from Excel / CSV
✓
✓
Cost per Unit → Yield on Cost
—
✓Pro
Notes field per holding
—
✓Pro
Dividend Health Panel (DPU trend)
—
✓Pro
Property & Other Income — Data Entry
Purchase Price → Net Rental Yield
—
✓Pro
Capital Deployed → Income Yield
—
✓Pro
Notes field on property & other income forms
—
✓Pro
Views & Display
Card view with search & sort toolbar
✓
✓
≡ Table view (sortable columns)
—
✓Pro
Analytics
Forecast & Projection Engine
—
✓Pro
What-If Scenario Modeller
—
✓Pro
Personalisation, Export & Backup
Dark & light theme
✓
✓
Custom title & logo (Branding)
—
✓Pro
JSON backup & restore (↓ JSON / ↑ Import)
—
✓Pro
Excel export (6-sheet workbook)
—
✓Pro
API key integration (7 data sources)
✓
✓
✦Income Refinery Pro is a one-time purchase — no subscription. Visit incomerefinery.com/pro to upgrade.
🚀
SECTION 2
Quick Start
These six steps are the same for both versions. You'll have your first income entry showing in just a few minutes.
1
Open the app in your browser
Double-click income_refinery.html (free) or income_refinery_pro.html (Pro) — it opens directly in Chrome, Edge, Firefox, or Safari. No installation required and no internet needed to run the app itself.
2
Choose your theme & personalise
Click ⚙ Settings & FX Rates in the header. Pick dark or light mode, set your base display currency (USD, GBP, EUR, SGD, CAD, or AUD), and optionally upload a logo and give the dashboard a personal name in the Branding section.
3
Set your monthly income target
Back on the main dashboard, find the Monthly Target field in the top-right of the hero panel. Click the number and type your goal — the monthly passive income you're aiming for. The progress bar updates instantly.
4
Add your first holding
Scroll to 📈 Stocks, REITs & Funds and click ＋ Add Counter. Enter the ticker, select the exchange, and click 🔍 Lookup to try auto-fetching dividend data. Fill in your units held, verify the DPU and payment months, then click ✓ Save Counter.
5
Refresh live FX rates
Click 🔄 Live FX in the header to pull the latest rates from the European Central Bank — free, no key needed. This ensures every foreign-currency holding displays accurately in your base currency.
6
Back up your data Pro
Pro users: Click ↓ JSON in the header to save a complete backup. To restore, click ↑ Import and select your backup file. Make this a habit after every session — the app stores data in your browser, and clearing cache will erase it. Free users: Data is stored in the browser only, with no export or restore option — this is one of the key reasons to consider upgrading to Pro.
Screenshot: Income Refinery Pro — full dashboard view
💰
Income Refinery Pro
Stocks · Bonds · Real Estate · All streams · One view
⚙ Settings & FX Rates
🔄 Live FX
↑ Import
↓ JSON
📊 Excel
📈 Forecast
⚖️ What-If
Average Monthly Passive Income
$4,280.50
Annual: $51,366 · 12 income sources · USD
📈 Holdings: $2,840/mo
🏠 Property: $1,040/mo
💡 Other: $400.50/mo
Monthly Target
$
$1,719.50 to go
71% of target
✦ FI Milestones
🌱
Lean FI (70%)
$4,200/mo ✓
Achieved today
🎯
Target FI (100%)
$6,000/mo
~3.2 years · Aug 2029
🏆
Fat FI (150%)
$9,000/mo
~9.8 years · Mar 2035
JAN
$1,120
FEB
$480
MAR
$1,740
APR
no income
MAY
$920
JUN
$1,680
JUL
no income
AUG
$540
SEP
$1,680
OCT
no income
NOV
$480
DEC
$1,726
Pro adds two extra header buttons (📈 Forecast and ⚖️ What-If) and the FI Milestones strip between the hero and calendar. The free version shows the same dashboard without these three elements.
Screenshot: Income Refinery (Free) — header
💰
Income Refinery
Stocks · Bonds · Real Estate · All streams · One view
⚙ Settings & FX Rates
🔄 Live FX
✦ Go Pro
The free version has three header buttons: Settings, Live FX, and the ✦ Go Pro upgrade link. Export and backup are available in Pro only.
📡
SECTION 3
A Note on Data Sources
The 🔍 Lookup button tries eight sources in priority order, stopping as soon as it gets a result. The key message upfront: Yahoo Finance is the last resort, not the first. Set up any one better source and lookups become fast and reliable.
⚠️Yahoo Finance is heavily rate-limited for browser-based apps. It's always available as a fallback (Priority 8) but often fails. The easiest alternative — uploading a watchlist spreadsheet — requires no API key, no internet, and has no rate limits at all.
#
Source
Best for
How to set up
Cost
1
📊 Watchlist Spreadsheet
Any exchange worldwide — fastest, works offline
Upload via Settings → Dividend Lookup Sources
Free
2
Twelve Data
US, EU, Asian exchanges including SGX · 800/day free
Paste API key in Settings
Free tier
3
EODHD
70+ global exchanges — broadest international coverage
Paste API key in Settings
20/day free
4
FMP
US & European stocks · 250/day free
Paste API key in Settings
Free tier
5
Alpha Vantage
US stocks · 25/day free
Paste API key in Settings
Free tier
6
Polygon.io
US stocks only · 5/min free
Paste API key in Settings
Free tier
7
MarketStack
US stocks only · very limited free tier
Paste API key in Settings
100/month
8
Yahoo Finance(always-on fallback)
Last resort — any ticker, but rate-limited and unreliable
Nothing to configure
Unreliable
✨Best starting approach: Use the AI prompt in Section 12 to generate a watchlist spreadsheet, then upload it in Settings as Priority 1. Instant lookups, zero rate limits, no API key needed.
🎨
SECTION 4
Make It Yours
Click ⚙ Settings & FX Rates to open the settings panel. The free version has three sub-sections: Appearance, FX Rates & Preferences, and Dividend Lookup Sources. The Pro version adds a Branding section between Appearance and FX Rates for custom title and logo. Your Monthly Target is set directly on the dashboard hero panel — just click the number and type.
Apply 30% US withholding tax on USD dividend & distribution income
🔄 Refresh Live FX Rates
✓ Live rates last fetched: 13/05/2026 · ECB date: 2026-05-12 · Source: Frankfurter / European Central Bank
The Settings panel — free users see Appearance, FX Rates & Preferences, and Dividend Lookup Sources. The Branding section shown above (custom title and logo) is a Pro-only section not present in the free Settings panel.
🌙
Dark & Light Theme
Switch between the default dark mode and a clean light theme. Applies instantly, remembered across sessions.
✏️
Custom Dashboard Title Pro
Type a personal name in the Branding section — "Alex's Portfolio", "Our Family Income" — up to 80 characters, shown in the header.
🖼️
Custom Logo Pro
Upload your own photo or logo to replace the default 💰 icon. Makes the dashboard feel like a custom app built just for you.
🎯
Monthly Target
Edit directly on the main dashboard — click the number in the hero panel and type your goal. The progress bar updates instantly. No Settings needed, available in both free and Pro.
🌍
Base Currency
Choose USD, GBP, EUR, SGD, CAD, or AUD. Every holding is converted to this currency for display, regardless of what it pays in.
🏛️
US Withholding Tax
Non-US residents: tick this box to automatically deduct 30% from USD dividend income. Not applied to rental property income.
✨ After changing your base currency, always click 🔄 Refresh Live FX Rates to pull current ECB rates for the new base. Then click Save Settings at the sticky bar at the bottom of the panel.
📈
SECTION 5
Stocks, REITs & Funds
⚠️
Free plan: up to 10 holdings. You can add, edit, and remove freely within this cap. Pro: unlimited. If your portfolio grows beyond 10 positions, upgrading removes this cap entirely.
Add any dividend-paying stock, REIT, ETF, closed-end fund, or investment trust here. Click ＋ Add Counter to enter a holding manually, or 📂 Import Holdings to bring in multiple at once from a spreadsheet.
Screenshot: The Add Counter form — Pro version (extra fields highlighted)
Add Counter
Stock · REIT · ETF · CEF · Fund
Ticker Symbol
O
NYSE (default)
🔍 Lookup
✓ Found: Realty Income Corp · avg DPU USD 0.2635 · Monthly · Please verify before saving.
Free users see the same form without the two Pro-exclusive fields: Cost per Unit and Notes. The Income Preview at the bottom updates live as you type.
Form Fields Explained
1
Ticker & Exchange — Enter the ticker symbol (e.g. O, BATS.L, 2800.HK) and select the exchange, then click 🔍 Lookup to try auto-fetching dividend data. Always verify results before saving.
2
Units / Shares Held — How many shares or units you currently own. Only you know this — the tracker can't fetch it from any data source.
3
DPU per Payment — Distribution Per Unit, per individual payment event. If a stock pays $0.75/share quarterly, enter 0.75 — not the annual total of $3.00.
4
Cost per UnitPro — What you paid per share when you bought it. Entering this unlocks Yield on Cost — the income yield on your actual purchase price, not the current market price. A key metric for long-term dividend investors.
5
Payment Months — Select the frequency (Monthly, Quarterly, etc.) and month buttons auto-highlight. Click individual months to customise for irregular schedules.
6
NotesPro — Up to 200 characters for anything useful: broker, tax wrapper, account type, or a reminder to check the DPU each January. Shows on the card and in table view.
Search, Sort & the ≡ Table View
Once holdings are added, a search and sort toolbar appears above the list. Type any part of a name or ticker to filter instantly, and use the sort dropdown to order by income, DPU, name, or units held.
≡ Table View Pro
Pro users can click ≡ Table in the section header to switch from card view to a compact, sortable table. Every column — Name, Currency, DPU, Units, Annual Income, % of total, Yield on Cost, and trend indicator — is clickable to sort ascending or descending. Invaluable for comparing a large portfolio at a glance.
Dividend Health Panel Pro
After a successful Lookup, Pro users see a Dividend Health Panel above the holding's card. It shows the last several dividend payments as a trend — letting you spot at a glance whether a company has been growing, maintaining, or cutting its distribution. An early-warning signal that matters to income investors.
Screenshot: Holdings section — Pro view with blended yield, Table toggle, and Dividend Health Panel
📈 Stocks, REITs & Funds
8Blended yield: 6.2% ✦
≡ Table
📂 Import
＋ Add Counter
8 of 8
◆ Dividend Health — Realty Income (O) · last 8 payments $0.2550 · $0.2565 · $0.2580 · $0.2600 · $0.2610 · $0.2620 · $0.2630 · $0.2635 ↑ Steady upward trend
📈
Realty Income Corporation
O · USD · 500 units · $0.2635/payment · Monthly · YoC: 7.1%
Pro: Section header shows blended yield and the ≡ Table toggle. The Dividend Health Panel shows recent DPU history. Each card shows Yield on Cost when a cost was entered.
Supported Exchanges
The Lookup dropdown includes all 30 exchanges below. For anything not in the list, simply enter the ticker manually, set the currency, and fill in DPU and payment months yourself — the app calculates income correctly regardless.
Exchange
Suffix
Example Tickers
Currency
NYSE
none
O, UTF, T, ETY
USD
NASDAQ
none
MSFT, AAPL, QCOM
USD
SSE — Shanghai
.SS
600036.SS
CNY
Euronext Paris
.PA
AIR.PA, BNP.PA
EUR
JPX — Tokyo
.T
7203.T, 8306.T
JPY
SZSE — Shenzhen
.SZ
000333.SZ
CNY
HKEX — Hong Kong
.HK
2800.HK, 0823.HK
HKD
NSE — India
.NS
RELIANCE.NS, TCS.NS
INR
LSE — London
.L
BATS.L, LGEN.L, RIO.L
GBP
BSE — Bombay
.BO
500325.BO
INR
TSX — Toronto
.TO
ENB.TO, TD.TO, BCE.TO
CAD
Deutsche Börse
.DE
ALV.DE, SIE.DE
EUR
Tadawul — Saudi Arabia
.SR
2222.SR (Aramco)
SAR
KRX — Korea
.KS
005930.KS (Samsung)
KRW
SIX — Switzerland
.SW
NESN.SW, ROG.SW
CHF
ASX — Australia
.AX
CBA.AX, VAS.AX, BHP.AX
AUD
TWSE — Taiwan
.TW
2330.TW (TSMC)
TWD
Nasdaq Nordic — Stockholm
.ST
ERIC-B.ST, VOLV-B.ST
SEK
B3 — Brazil
.SA
PETR4.SA, VALE3.SA
BRL
JSE — Johannesburg
.JO
SOL.JO, NPN.JO
ZAR
BME — Madrid
.MC
SAN.MC, IBE.MC
EUR
BIT — Milan
.MI
ISP.MI, ENI.MI
EUR
MOEX — Moscow
.ME
SBER.ME, GAZP.ME
RUB
Bursa — Malaysia
.KL
PBBANK.KL, KLCC.KL
MYR
SGX — Singapore
.SI
AJBU.SI, O5RU.SI
SGD
SET — Thailand
.BK
PTT.BK, SCB.BK
THB
IDX — Indonesia
.JK
BBCA.JK, TLKM.JK
IDR
PSE — Philippines
.PS
SM.PS, BDO.PS
PHP
TASE — Tel Aviv
.TA
ESLT.TA, NICE.TA
ILS
WSE — Warsaw
.WA
PKN.WA, PKO.WA
PLN
🏠
SECTION 6
Rental Properties
⚠️
Free plan: up to 1 rental property. If you own multiple properties, Pro removes this limit entirely.
Click ＋ Add Property to track net rental income from any property in any currency. FX conversion to your base currency is handled automatically.
1
Property Name — A descriptive label you'll recognise: "London Flat", "Miami Condo", "Toronto Duplex Unit 1".
2
Currency & FX Rate — The currency rent is paid in. The FX rate auto-fills from your last live refresh.
3
Monthly Gross Rent — What tenants pay each month before any deductions.
4
Monthly Operating Costs — A combined figure covering mortgage repayments, management fees, insurance, and maintenance reserves. The Net Income Preview at the bottom updates live as you type.
5
Purchase PricePro — Your total purchase cost, enabling automatic Net Rental Yield calculation. Gives you an accurate return-on-capital figure displayed on the property card.
6
NotesPro — Up to 200 characters for reminders: managing agent contact, lease end date, planned works, etc.
💡 Properties are assumed to pay every month of the year. For seasonal or short-term rental income, enter an annualised monthly average as the net figure. Pro users also get a ≡ Table View for properties, sortable by gross rent, costs, net income, annual total, and rental yield.
💡
SECTION 7
Other Passive Income
⚠️
Free plan: up to 3 other income streams.Pro: unlimited. If you hold multiple bonds, savings accounts, and royalty streams, Pro lets you track all of them.
This section handles everything that isn't a stock or a property. Choose from 12 categories, then fill in the amount, currency, and payment schedule. The Capital Deployed field Pro lets you record the capital behind each stream so the app can calculate your yield on that capital.
🏦
HYSA / CD / Savings
High-yield savings accounts, certificates of deposit, term deposits. Set Monthly frequency and enter the monthly interest amount.
🏛️
Treasury / Muni Bonds
Government bonds and savings bonds in any currency. Use Semi-Annual or Annual frequency to match the coupon schedule.
📋
Corporate Bonds
Bond coupon payments from corporate issuers. Enter the coupon amount per event and select payment months.
🏦
Private Credit
Direct lending funds, private debt platforms, or structured credit vehicles. The custom month picker handles irregular schedules.
💼
401k / IRA / Pension
Monthly pension payments, Social Security distributions, annuity income, or retirement fund withdrawals.
✨
And 7 more categories…
Peer Lending, Social Security, Royalties, Digital Products, Annuities, Business Income, and a catch-all Other for anything that doesn't fit neatly elsewhere.
💡Don't overlook this section. Many investors focus only on dividends and miss the bigger picture. Adding savings interest, bond coupons, and any other regular income streams gives you the complete view of what your capital is actually earning.
💾
SECTION 8
Backup, Export & Restore Pro
✦JSON backup, Excel export, and data restore are exclusive to Income Refinery Pro. Free users should be aware that their data is stored in the browser only, with no way to export or restore it — which is one of the most compelling reasons to upgrade.
🚨 Pro users — please read this carefully
The app stores all your data in your browser's local storage — not a cloud save. If you clear your browser cache, switch to a different browser, or use a different computer, your data will be gone unless you've backed up.
Always export a backup before clearing your browser cache. It takes five seconds and can save hours of re-entry.
Screenshot: Income Refinery Pro — backup and export header buttons
💰
Income Refinery Pro
Stocks · Bonds · Real Estate · All streams · One view
⚙ Settings
🔄 Live FX
↑ Import
↓ JSON
📊 Excel
Pro only: ↑ Import restores from a JSON backup · ↓ JSON saves a full restorable backup · 📊 Excel exports a workbook for sharing. Free users have no export or restore buttons.
↓
↓ JSON — Full Backup Pro
Saves passive_income_data.json — a complete snapshot of everything: all holdings, properties, income streams, settings, API keys, and FX rates. This is your primary backup file. Use ↑ Import to restore it.
📊
📊 Excel — Shareable Workbook Pro
Exports a multi-sheet Excel workbook covering your summary, calendar, holdings, properties, other income, and FX rates. Perfect for printing, sharing with a financial adviser, or further analysis. Cannot be re-imported into the app.
↑
↑ Import — Restore Pro
Opens a file picker for your .json backup file. Everything is restored instantly — no console, no technical steps needed. Works on any device that has the Pro app file.
✅Good backup habits (Pro): Export after every session. Name your files with the date: passive_income_data_2026-05-15.json. Keep two or three recent copies in cloud storage (Google Drive, Dropbox, iCloud) so you can restore from any device.
The Forecast & Projection Engine answers the most exciting question in passive income investing: "When will my income reach my target?" Click 📈 Forecast in the header to open a full-screen projection view. It takes your current income as the baseline and models forward based on assumptions you control.
Screenshot: The Income Forecast & Projection panel
📈 Income Forecast & Projection
✕ Close
📅 At your current trajectory you'll reach Target FI ($6,000/mo) in approximately 3.2 years (Aug 2029). Lean FI ($4,200/mo) is already achieved. Fat FI ($9,000/mo) projected in ~9.8 years.
Target: $6,000/mo
Assumptions
Monthly new capital (USD)
2,000
Target yield on new capital
5.5% / year
Annual DPU / distribution growth
2.0% / year
Reinvest distributions
Yes
Projection horizon
5 years
Key Milestones
Current income$4,280/mo
Lean FI ($4,200/mo)✓ Today
Target FI ($6,000/mo)Aug 2029
Fat FI ($9,000/mo)Mar 2035
Projected in 5 years$7,840/mo
The Forecast panel: a one-sentence insight at the top, a visual bar chart showing income growing over your selected horizon, assumption inputs on the left, and key milestone projections on the right.
Forecast Assumptions Explained
1
Monthly New Capital — How much new money you plan to invest each month. Set to 0 if you're not currently adding to your portfolio.
2
Target Yield on New Capital — The average annual income yield you expect from new investments. Typically 4–7% for a diversified dividend portfolio.
3
Annual DPU / Distribution Growth — How much you expect existing distributions to grow year on year. Many quality dividend stocks grow their payouts 2–5% annually.
4
Reinvest Distributions — When on, monthly income received is added back to your capital for reinvestment, compounding the growth over the projection horizon.
5
Projection Horizon — Choose 2, 5, 10, 15, 20, 25, or 30 years. The chart and all milestone dates update instantly as you adjust assumptions.
⚠️ Forecasts are estimates for planning purposes only. They assume consistent capital deployment and constant yields — neither of which is guaranteed in practice. Always treat projections as directional guides, not definitive timelines.
⚖️
SECTION 10
What-If Scenario Modeller Pro
✦Exclusive to Income Refinery Pro.
The What-If Modeller answers two of the most common planning questions in seconds, side by side. Click ⚖️ What-If in the header to open it. It's designed as a quick sanity check — change the numbers, instantly see the income impact, no spreadsheet required.
Screenshot: The What-If Scenario Modeller
⚖️ What-If Scenario Modeller
✕ Close
Current baseline: $4,280.50 /mo average monthly income
💰 Capital Deployment
What if you invest a lump sum?
Capital to deploy (USD)
100,000
Annual yield on this capital
5.5%
+ $458.33/mo · $5,500/yr additional income from $100,000 at 5.5% yield
📊 Distribution Change
What if all payouts go up or down?
Change in all distributions
−20%
− $856.10/mo if all distributions cut 20% · new total: $3,424.40/mo
Combined impact — both scenarios applied
Lump sum deployed AND 20% distribution cut
$3,882.73/mo
− $397.77/mo vs today
Two scenarios side by side — Capital Deployment (left) and Distribution Change (right) — with the combined impact shown at the bottom. All results update instantly as you type.
1
Capital Deployment — Enter a hypothetical lump sum and an expected annual yield. Instantly see how much monthly income that capital would generate if deployed today at that yield.
2
Distribution Change — Enter a percentage (positive or negative) to model what happens if all your distributions are cut or raised by that amount. Great for stress-testing your income against potential dividend cuts.
3
Combined Impact — The bottom card shows the net result of both scenarios simultaneously. This helps you answer questions like: "Would deploying $100k offset a 20% cut in my existing income?"
🏁
SECTION 11
FI Milestones Pro
✦Exclusive to Income Refinery Pro.
The FI Milestones strip appears automatically between the hero and the monthly calendar. It shows three financially independent income levels — calculated from your monthly target — and tells you how far away each one is, updated in real time every time you add or edit a holding.
✦ FI Milestones
🌱
Lean FI — 70% of target
$4,200/mo ✓ Achieved
Basic needs covered · $50,400/yr
🎯
Target FI — 100% of target
$6,000/mo · ~3.2yr
Projected: Aug 2029 · $72,000/yr
🏆
Fat FI — 150% of target
$9,000/mo · ~9.8yr
Projected: Mar 2035 · $108,000/yr
Lean FI (70% of target) shows when basic needs are covered; Target FI is your goal; Fat FI (150%) is a comfortable cushion above it. Achieved milestones turn green.
The milestone percentages (70% for Lean, 150% for Fat) are configurable in the Forecast panel's assumptions section. Projected dates are driven by your Forecast assumptions, so they update as you adjust your monthly capital contributions and expected yield.
🤖
SECTION 12
AI Prompts — Let Your LLM Do the Legwork
If you hold many positions, entering them one by one can be tedious. Use these ready-made prompts with your favourite LLM — we've tested them on Claude and Gemini, both of which produce accurate, well-formatted results.
💡Recommended workflow: Generate the CSV with your LLM, then upload it in Settings → Dividend Lookup Sources → Priority 1 Watchlist. Every future Lookup will use your spreadsheet first — instantly, with no rate limits and no internet required.
Prompt 1 — Holdings Spreadsheet
Use when you want a clean list of your positions with dividend data, ready to upload as your Priority 1 watchlist.
📋 Holdings Spreadsheet Prompt — paste into Claude or Gemini
Please generate a CSV spreadsheet of my current stock/REIT/fund holdings. The spreadsheet will be uploaded to Income Refinery to auto-populate the dashboard with my portfolio positions.
REQUIRED FORMAT
Use exactly these column headers in this order:
Ticker | Name | Currency | Units | DPU | Frequency | Payment Months
Rules for each column:
- Ticker: Exchange-suffixed format (e.g. UTF for NYSE, BATS.L for LSE, 2800.HK for HKEX, ENB.TO for TSX)
- Name: Full name of the stock, REIT, ETF, or fund
- Currency: 3-letter currency code (USD, GBP, AUD, HKD, CAD, etc.)
- Units: My actual shares/units held, as a plain integer (e.g. 10000)
- DPU: Cash dividend per unit per individual payment event, as decimal (e.g. 0.2635). Per-payment, NOT annualised
- Frequency: Monthly, Quarterly, Semi-Annual, or Annual
- Payment Months: Calendar months as comma-separated numbers (e.g. 3,6,9,12 for quarterly in Mar/Jun/Sep/Dec)
CRITICAL: One row per counter (holding), not one row per dividend event.
OUTPUT FORMAT: Plain CSV only — no explanation, no markdown, just data starting with the header row.
MY HOLDINGS:(Replace this with your own holdings — one per line)
O — NYSE — 500 shares
MSFT — NASDAQ — 200 shares
ENB.TO — TSX — 300 shares
BATS.L — LSE — 400 shares
2800.HK — HKEX — 2000 units
CBA.AX — ASX — 150 shares
Prompt 2 — Dividend History / Watchlist
Use when you want a detailed dividend history per counter — individual payment events with ex-dates. Useful for verifying payment months and spotting trends.
📋 Dividend History / Watchlist Prompt — paste into Claude or Gemini
Please generate a CSV spreadsheet of historical dividend data for the counters listed below. This will be used to reference dividend amounts and payment months for Income Refinery.
REQUIRED FORMAT
Use exactly these column headers in this order:
Ticker | Name | Currency | Dividend | Ex-Date | Payment Date | Frequency
Rules for each column:
- Ticker: Exchange-suffixed format (e.g. O for NYSE, BATS.L for LSE, 2800.HK for HKEX, ENB.TO for TSX)
- Name: Full name of the stock, REIT, ETF, or fund
- Currency: 3-letter currency code
- Dividend: Cash dividend per unit per individual payment event, as decimal (e.g. 0.2635). Per-payment, NOT annualised
- Ex-Date: Ex-dividend date in YYYY-MM-DD format (e.g. 2025-09-15)
- Payment Date: Actual payment date in YYYY-MM-DD if known; leave blank otherwise
- Frequency: Monthly, Quarterly, Semi-Annual, or Annual
CRITICAL: One row per dividend event. For each counter, provide the last 4–8 individual payment events as separate rows.
Do not omit any counter even if data is uncertain — include the row with what you know.
OUTPUT FORMAT: Plain CSV only — no explanation, just data starting with the header row.
MY COUNTERS:(Replace with your own holdings)
O — NYSE — 500 shares
MSFT — NASDAQ — 200 shares
ENB.TO — TSX — 300 shares
BATS.L — LSE — 400 shares
2800.HK — HKEX — 2000 units
CBA.AX — ASX — 150 shares
⚠️ AI-generated dividend data is based on historical public information and may not reflect the most recent changes (cuts, specials, suspensions). Always cross-check against your broker statements or the company's investor relations page before finalising your entries.
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SECTION 13
API Keys — For Live Data
API keys are entered directly in ⚙ Settings → Dividend Lookup Sources. Paste a key in the relevant field, click Save Settings, and the Lookup button uses it automatically from that point on. All keys are stored locally on your device — never sent anywhere except directly to the API provider when you do a Lookup.
Start with a Watchlist upload plus Alpha Vantage. The 25/day free tier is plenty for most portfolio sizes covering NYSE and NASDAQ.
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Mixed International
Combine Watchlist upload + Twelve Data + EODHD. Together they cover nearly all 30 exchanges in the dropdown.
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Just Getting Started
Use the AI prompt to generate your watchlist, upload it in Settings. No API key needed — instant lookups for every holding, zero rate limits.
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SECTION 14
Tips & Good Habits
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Watch for calendar gaps
Notice which months show "no income"? Consider holdings that pay in those months to smooth your cash flow across the full year.
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Refresh FX before reviewing
Click 🔄 Live FX before your monthly review to ensure all foreign-currency figures are current. The app auto-refreshes if rates are more than 24 hours old.
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Update DPU when dividends change
When a company raises or cuts its dividend, click ✏ on the holding, update the DPU, and save. The calendar and averages recalculate instantly.
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Don't overlook savings interest
High-yield savings, T-bills, and money market funds are passive income too. Add them to Other Income for your true total picture.
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Make ↓ JSON a habit
End every session with ↓ JSON. Store backups in cloud storage. Never clear your browser cache without exporting first — ever.
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Use descriptive names
Instead of "Bond A" or "Savings 1", use names like "US 10Y Treasury Nov 2025" or "DBS Multiplier SGD". Makes the dashboard much easier to read at a glance.
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100% private by design
No accounts, no cloud, no servers. Everything stays on your device. Income Refinery never sends your financial data anywhere.
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Try the Pro analytics
Curious when you'll hit financial independence? The Forecast and What-If tools answer that in seconds. One-time purchase, no subscription. incomerefinery.com/pro
🎉You're all set! Income Refinery grows with your portfolio. Start with whatever you have today — even just one holding — and build from there. Watching that monthly income number climb toward your target is one of the most satisfying things in personal finance. Happy investing!