Income Refinery vs spreadsheets, Sharesight, Snowball Analytics, TrackYourDividends, Empower, DivTracker, Stock Events, Simply Safe Dividends & Portfolio Visualizer — an honest, side-by-side comparison.

Comparison · 2026

Income Refinery vs the alternatives

A side-by-side comparison of the nine major dividend trackers and passive income tools — Sharesight, Snowball Analytics, TrackYourDividends, DivTracker, Stock Events, Empower (Personal Capital), Simply Safe Dividends, Portfolio Visualizer, and the humble spreadsheet — so you can choose the right tool for how you actually invest.

Updated By Darren C, creator of Income Refinery Verified against each vendor's published pricing

The short version

Pick the tool that matches how you invest — not the one with the loudest marketing.

Quick answer: Income Refinery is a free, browser-based passive income and dividend tracker that requires no account and stores no data in the cloud. Pro is a one-time $49 for unlimited tracking — the only major dividend tracker without a recurring subscription. It is the right pick for income investors who want privacy, multi-stream tracking (dividends + rent + bonds + savings), and ownership of their tool. Choose Sharesight ($7–18/mo) for tax reports and auto broker sync; Snowball Analytics (~$80/yr) for backtesting; Portfolio Visualizer for allocation modelling (not income tracking).

If you want automatic broker sync and detailed tax reports, Sharesight or Snowball Analytics will serve you best — accept that you're handing over your portfolio data and paying a recurring subscription in return.

If you want portfolio backtesting and asset-allocation modelling, Portfolio Visualizer is purpose-built for that. It is not a real-time income tracker.

If you want a private, account-free passive income dashboard that consolidates dividends, rental income, bonds, savings interest and every other passive stream — converted to your home currency, laid out month by month, with a one-time payment instead of a subscription — Income Refinery is the only major tool built specifically for that.

If you keep a dividend tracker spreadsheet, Income Refinery is essentially that spreadsheet, automated. Same privacy, none of the maintenance.

At a glance

How each option actually compares

Every column below is verified against the vendor's public pricing page as of May 2026. Prices and limits change — if anything here is out of date, please email hello@incomerefinery.com and it will be corrected.

Feature Income Refinery Pro Sharesight Snowball Analytics TrackYour­Dividends DivTracker Stock Events Empower (Personal Capital) Simply Safe Dividends Portfolio Visualizer Spreadsheet
Pricing model $49 one-time $7–$18/mo subscription ~$80–$200/yr subscription ~$6.70/mo subscription $19.99–$49.99/yr $9.99/mo or $99.99/yr Free (AUM upsell) ~$499/yr subscription Annual subscription Free
Account required ✓ No account Email + password Email + password Email + password Email + password Email + password Plaid + KYC Email + password Email + password ✓ No account
Data stored Your browser only Vendor cloud Vendor cloud Vendor cloud Vendor cloud Vendor cloud Vendor cloud + Plaid Vendor cloud Vendor cloud Your device
Free tier limit 10 + 1 + 3 streams 10 holdings, 1 portfolio 10 holdings, 1 portfolio 1 Plaid acct + manual Trial only Free w/ ads Free None 15-asset model Unlimited
Tracks dividends ✓ ✓ ✓ ✓ ✓ ✓ Basic ✓ Backtest only ✓ Manual
Tracks rental income ✓ First-class No Custom asset No No No Net worth only No No ✓ Manual
Tracks bonds, savings, royalties, pension ✓ 12 categories Bonds only Custom assets No No No Net worth only No No ✓ Manual
12-month income calendar ✓ ✓ ✓ ✓ ✓ ✓ No ✓ No DIY
Multi-currency w/ live FX ✓ ECB rates Paid plans ✓ 30+ currencies Limited Limited ✓ USD-focused USD-focused USD-focused DIY
Broker auto-sync Manual / CSV ✓ ✓ 1,000+ ✓ Plaid ✓ ✓ US only ✓ Plaid Some No No
Tax reports No ✓ Strong Some Some No No Some No No DIY
Excel / JSON export ✓ 6-sheet ✓ ✓ CSV Limited Limited No Some No ✓ ✓
FI Milestones (Lean / Standard / Fat / Coast FI) ✓ Built-in No Single goal No No No Retirement only No No DIY
Forecast & What-If Scenario Modeller ✓ Built-in No Projections only DRIP sim No No Retirement No ✓ Strong DIY
Works offline after first load ✓ No No No No No No No No ✓

Sources: each vendor's public pricing page, verified May 2026. ✓ = supported, partial / italic = supported with caveats, ✗ = not supported.

1 · The DIY route

Income Refinery vs Spreadsheets

Google Sheets · Excel · downloadable dividend tracker templates

Same privacy, less work

Most income investors start with a dividend tracker spreadsheet — usually a downloaded template from a finance blog, then customised over months until it sprawls into something only its creator understands. Spreadsheets and Income Refinery share the most important property: your financial data stays on your device. The difference is how much work you do to get a usable monthly income view.

Income Refinery

  • +Pre-built 12-month income calendar; no formulas to maintain
  • +Live ECB FX rates auto-fetched and cached; no manual updates
  • +8-source dividend lookup pipeline auto-fills DPU and payment months
  • +Native handling for stocks, REITs, ETFs, rent, bonds, HYSA, royalties, pension
  • +Multi-currency conversion to your chosen base currency
  • +Withholding tax toggle, blended yields, dividend health signals (Pro)
  • −Less freeform than a blank spreadsheet — structured fields, not arbitrary columns

Spreadsheets

  • +Completely free
  • +Same privacy posture — data lives on your device
  • +Infinite flexibility — model anything you can write a formula for
  • −You build and maintain everything: layout, formulas, FX conversion, payment schedules
  • −FX rates go stale unless you wire up GOOGLEFINANCE or an external API
  • −One broken cell reference can silently corrupt your monthly totals
  • −No built-in dividend lookup; you copy DPU manually from each source

Choose Income Refinery if

You want everything a passive income spreadsheet does — without the maintenance. You hold income sources across multiple currencies. You want a 12-month calendar, FI progress bar and yield tracking out of the box. You'd rather spend evenings reviewing your portfolio than debugging cell references.

Stay with a spreadsheet if

You enjoy spreadsheet-building as a hobby, your tracking needs are highly idiosyncratic (e.g. custom tax-lot rules, options strategies, complex covered-call accounting), or your portfolio is so simple that a 10-row sheet covers it.

2 · The tax-reporting heavyweight

Income Refinery vs Sharesight

$7–$18/mo subscription · sharesight.com/pricing

Different priorities

Sharesight is the most established portfolio tracker for global investors, founded in New Zealand in 2006 and known for strong tax reporting and broker integrations. It is a cloud SaaS product with monthly subscriptions and a 10-holding free tier. The honest comparison: Sharesight is better if you need automated tax reporting; Income Refinery is better if you want privacy, multi-stream income tracking, and a one-time payment.

Income Refinery Pro

  • +$49 one-time vs Sharesight Investor plan at $216/year ongoing
  • +No account, no email, no password — start tracking instantly
  • +Data lives in your browser only — never transmitted to our servers
  • +Tracks rental property, bonds, savings, pension and 8 other passive income types alongside dividends — Sharesight tracks investments only
  • +Built-in FI Milestones strip — Lean FI, Standard FI, Fat FI, plus Coast FI in forecasts
  • +Portfolio Snapshots — point-in-time records to compare against historical performance
  • −No automated tax reports (CGT, Australian/NZ FIF, etc.)
  • −No automatic broker sync — manual entry or CSV import

Sharesight

  • +Comprehensive tax reporting (especially strong for AU/NZ/UK residents)
  • +Automated broker import for many platforms
  • +Detailed performance reports — TWR, MWR, contribution analysis, diversity
  • +SOC 2 certified; long operating history
  • −Recurring subscription; "old" sold holdings count toward your plan's holding limit
  • −Investment-focused only — no native rental property or other passive income streams
  • −Account and cloud storage required; your portfolio sits on Sharesight's servers

Choose Income Refinery if

You want a private, one-time-payment tracker. You earn passive income from sources beyond stocks (rent, bonds, savings, royalties). You don't need automated tax reports. You'd rather not hand a third party your full portfolio.

Choose Sharesight if

You file complex investment taxes (especially in AU, NZ or the UK) and want your tracker to generate those reports for you. You want fully automated broker sync. You're willing to pay an ongoing subscription for that.

3 · The dividend analytics specialist

Income Refinery vs Snowball Analytics

~$80–$200/yr subscription · snowball-analytics.com/pricing

Closest direct competitor

Snowball Analytics is the most dividend-focused SaaS tracker. It offers automated broker sync via Yodlee/SnapTrade, a dividend calendar, payout-quality signals, backtesting, and a public-portfolio community. It is the closest functional overlap with Income Refinery in terms of "dividend-first thinking" — but the two products take very different positions on cost, privacy and scope.

Income Refinery Pro

  • +$49 once vs Snowball's $80+ every single year, indefinitely
  • +Runs in your browser; no Yodlee aggregator credentials shared
  • +Same dividend calendar, yield-on-cost, blended portfolio yield
  • +Rental property + bonds + savings + 9 other categories as first-class income types
  • +Forecast & What-If Scenario Modeller — test contribution changes, yield shifts, FX moves before you commit
  • −No backtesting (use Portfolio Visualizer for that — see below)
  • −No public-portfolio community / social sharing
  • −No automatic broker sync

Snowball Analytics

  • +Automated broker sync via Yodlee + SnapTrade (1,000+ brokers)
  • +Backtesting engine with 30+ years of historical data
  • +Public portfolio sharing and community features
  • +Dividend rating system with payout-cut risk signals
  • +One-click rebalancing recommendations
  • −Recurring annual subscription; free tier capped at 10 holdings, 1 portfolio
  • −Stock and ETF prices are delayed; not for active trading
  • −Real estate is a manual "custom asset" only — not a first-class income type

Choose Income Refinery if

You want Snowball's dividend-first analytics — calendar, yield, projections — without the annual subscription or the cloud account. You track meaningful passive income from outside the stock market (rent, bonds, savings). You'd rather own your tool than rent it.

Choose Snowball Analytics if

Automated broker sync across many accounts is a hard requirement. You want serious backtesting and rebalancing recommendations. You enjoy seeing how your portfolio compares to other investors in a community.

4 · The freemium US-focused tracker

Income Refinery vs TrackYourDividends

~$6.70/mo Premium · 1 Plaid-synced account free · trackyourdividends.com

Different scope

TrackYourDividends (TYD) is a US-focused dividend tracker with Plaid brokerage sync, a dividend calendar, and a proprietary safety score. The free tier lets you sync one brokerage and manually add unlimited holdings; the paid tier adds multiple brokerages and DRIP simulation. It's a solid choice for US dividend investors who only hold stocks — Income Refinery is a better fit if your income mix is broader or you invest globally.

Income Refinery Pro

  • +30 global exchanges — NYSE, NASDAQ, LSE, ASX, TSX, HKEX, SGX, plus 23 more
  • +Multi-currency with live ECB rates
  • +Tracks rent, bonds, HYSA, royalties — all in the same dashboard as dividends
  • +$49 one-time vs ~$80/year ongoing
  • +No Plaid; no aggregator with read access to your accounts
  • +Dividend Health Panel with DPU cut & growth alerts — flags actual payout changes, not a black-box score
  • −No Plaid sync (this matters if you have many US accounts)

TrackYourDividends

  • +Free Plaid sync of one brokerage account
  • +TYD Safety Score for predicting dividend cuts
  • +DRIP simulator (Premium)
  • +Clean, easy-to-learn interface
  • −Strong US bias — international coverage is limited
  • −Investments only; no rental income, no bond/savings tracking
  • −Plaid connection gives a third party read access to your brokerage

Choose Income Refinery if

You invest internationally, hold income outside US stocks (rent, bonds, savings), or simply don't want a Plaid connection to your brokerage. You prefer one-time pricing.

Choose TrackYourDividends if

You're a US investor with one or two US brokerages, you hold mainly US stocks, and Plaid sync is genuinely valuable to you. The TYD Safety Score is useful if you screen for cut risk.

5 · The aggregated net worth dashboard

Income Refinery vs Empower (Personal Capital)

Free · monetised via wealth-management upsell · empower.com

Different product entirely

Empower (formerly Personal Capital) is a free net-worth aggregator that links to your banks and brokerages via Plaid. It is funded by upselling users to its wealth-management service — when you sign up, expect calls from an advisor. It is a net worth dashboard, not a passive income tracker. The two tools answer different questions: Empower tells you "what am I worth"; Income Refinery tells you "what is my portfolio paying me each month."

Income Refinery Pro

  • +Built specifically for income tracking — calendar, target, monthly cadence
  • +No Plaid, no aggregator, no advisor calls — ever
  • +No KYC, no email collected, no marketing follow-up
  • +Multi-currency with global exchange coverage
  • +Tracks every income type Empower lumps under "investments" or "other"
  • −Doesn't show net worth, spending, or debt
  • −No automatic account sync

Empower (Personal Capital)

  • +Genuinely free net worth and spending dashboard
  • +Aggregates banks, brokerages, mortgages, credit cards
  • +Retirement and fee analysis
  • +Useful S&P 500 benchmark comparisons
  • −Advisors will contact you — that's the business model
  • −Income tracking is basic; no 12-month calendar, no target tracker
  • −Plaid + Empower hold credentials to most of your financial life
  • −USD-focused; weak for non-US investors

Choose Income Refinery if

You specifically want to know your monthly passive income, not your net worth. You don't want an advisor's number. You'd rather not give an aggregator credentials to every account you own.

Use Empower alongside if

You want a free overall financial dashboard and you're comfortable being on an advisor's call list. Many investors use Empower for net worth and a dedicated tool like Income Refinery for income tracking.

6 · The mobile-first apps

Income Refinery vs DivTracker & Stock Events

$19.99–$99.99/yr subscriptions · mobile-app-first

Different surface

DivTracker (iOS) and Stock Events (iOS + Android) are mobile-first dividend trackers built around the "check your portfolio on your phone in line at the coffee shop" use case. They're well-designed, popular, and reasonably priced. Income Refinery is a browser-based dashboard — it works on phones but it's optimised for desktop and for being your browser homepage.

Income Refinery Pro

  • +One-time $49 vs $20–$100 every single year
  • +No App Store account, no in-app subscription, no platform lock-in
  • +Set as browser homepage — see your number every time you open a tab
  • +Tracks income types these apps don't (rent, bonds, savings, royalties)
  • +Excel multi-sheet export and JSON backup
  • −No push notifications for ex-dividend dates
  • −No native iOS/Android app (mobile web works, but it's not an app)

DivTracker / Stock Events

  • +Native apps with push notifications for dividend events
  • +Lock-screen widgets (Stock Events especially)
  • +US brokerage import on DivTracker
  • +Stock Events tracks crypto and commodities alongside stocks
  • −Recurring subscription; cancel and you lose access
  • −Investments only; no rent, bond, or savings tracking
  • −Vendor cloud + App Store account required

Choose Income Refinery if

You spend most of your investing time at a desktop or laptop. You want a dashboard you can set as your browser homepage. You want to consolidate dividends with rental income and other passive streams. You prefer one-time pricing.

Choose a mobile app if

Your investing rhythm is "open phone, check portfolio" rather than "sit down at desk." Push notifications for ex-dividend dates and lock-screen widgets genuinely matter to your workflow.

7 · The dividend research platform

Income Refinery vs Simply Safe Dividends

~$499/yr subscription · simplysafedividends.com

Different problem

Simply Safe Dividends is a premium dividend research platform best known for its proprietary "Dividend Safety Score" — a quantitative model that predicts dividend cuts. It does include a portfolio tracker, but the tracker is a side feature; the real product is the research and screening. It's a complementary tool to a tracker like Income Refinery, not a direct replacement.

Income Refinery Pro

  • +$49 one-time vs $499 every year
  • +Built specifically as a dashboard you check daily
  • +Dividend Health Panel surfaces DPU trends with cut & growth alerts (Pro)
  • +Multi-stream — passive income beyond dividends
  • −No proprietary Safety Score; no analyst research; no stock screener

Simply Safe Dividends

  • +Dividend Safety Score with strong empirical track record
  • +Deep research notes and analyst commentary on dividend stocks
  • +Strong dividend stock screener
  • −$499/year subscription is one of the most expensive in the space
  • −Tracker is a side feature, not the primary product
  • −US-focused

Choose Income Refinery if

Your primary need is tracking the income your portfolio generates each month, not researching new dividend picks.

Use Simply Safe Dividends if

You're actively picking individual dividend stocks and the Safety Score plus deep research is worth $499/year to you. Many investors pair the two: Simply Safe for research, a dedicated tracker for ongoing monitoring.

8 · The backtesting tool

Income Refinery vs Portfolio Visualizer

15-asset free model · annual Basic/Pro subscriptions · portfoliovisualizer.com/pricing

Different category

Portfolio Visualizer comes up in the same searches as dividend trackers, but it's a fundamentally different tool. It is a portfolio backtesting and asset-allocation analysis platform — Monte Carlo simulations, tactical allocation models, factor regressions, efficient frontiers. It does not track your current portfolio's ongoing income. It does not have a dividend calendar or rental income tracking. The two tools live happily side-by-side: Portfolio Visualizer to design an allocation, Income Refinery to track the income that allocation actually produces.

Income Refinery Pro

  • +Real-time tracking of what your portfolio is paying you this month
  • +12-month income calendar, blended yields, FI Milestones (Lean / Standard / Fat / Coast FI)
  • +Multi-stream — dividends + rent + bonds + savings + 9 other categories
  • +Forecast & What-If Scenario Modeller — projects forward income from changes in contributions, yields, or FX (not historical backtesting)
  • +One-time $49
  • −No historical backtesting, Monte Carlo simulations, or efficient frontier analysis
  • −Not the right tool for "what if I had held this allocation since 1972"

Portfolio Visualizer

  • +Industry-standard backtesting across asset classes since 1972
  • +Monte Carlo simulation for portfolio survival modelling
  • +Factor regression, correlation matrices, efficient frontier optimisation
  • +Tactical allocation models (momentum, moving averages, volatility targeting)
  • −Not a portfolio tracker — does not record what you actually own
  • −No dividend calendar, no rental income, no monthly income view
  • −US-focused; uses monthly data and total-return assumptions
  • −Free tier capped at 15 assets per model

Choose Income Refinery if

You want to track what your portfolio is paying you right now, month by month, with a target you're working toward.

Use Portfolio Visualizer if

You're designing an allocation — testing how a mix of asset classes would have performed historically, modelling withdrawal scenarios, or comparing portfolios on risk-adjusted return. Most income investors who use both tools use Portfolio Visualizer once a year to review allocation, and Income Refinery weekly to track income.

An honest note

When Income Refinery is not the right tool

If you're going to write a fair comparison, you have to be honest about where your own product doesn't fit. These are the cases where another tool will serve you better.

Cases where you should pick something else — and that's fine.

Income Refinery is built around a few opinionated choices: private-by-design, no account, manual or CSV-based data entry, one-time payment. Those choices are a feature for most income investors. For some, they're a deal-breaker — and the honest answer is to use a different tool.

  • You need automated tax reports for capital gains. Income Refinery is an income tracker, not a tax engine. Sharesight is built for this.
  • Your number-one requirement is automatic broker sync across many accounts. Income Refinery imports holdings via CSV/Excel and supports an 8-source dividend lookup pipeline, but it does not log into your brokerage. Sharesight, Snowball Analytics, TYD or Empower do.
  • You want a native mobile app with push notifications for ex-dividend dates. DivTracker (iOS) and Stock Events (iOS/Android) are purpose-built for this.
  • You're researching new dividend stocks and want a proprietary safety score. Simply Safe Dividends is the deeper research platform.
  • You want to backtest a hypothetical allocation across 30+ years. Portfolio Visualizer is the standard for that and is partially free.
  • You change devices and browsers constantly and won't reliably export a JSON backup. A cloud-based tracker will be less stressful for you. Income Refinery's privacy comes from local storage, which means you are the backup.

Frequently asked

Comparison FAQ

The most common questions about how Income Refinery stacks up against the alternatives.

Income Refinery is the only major dividend and passive income tracker that requires no account, no email, and no signup. It runs entirely in your browser, with all data stored locally in browser localStorage. The free plan covers 10 dividend holdings, 1 rental property, and 3 other income streams, with live FX rates and a 12-month income calendar. Sharesight and Snowball Analytics also offer 10-holding free tiers, but both require account registration and store your data in their cloud.
Among dedicated dividend trackers, Income Refinery is the cheapest paid option at $49 one-time for the Pro plan with unlimited holdings, properties, and other income streams. There is no recurring subscription. The next cheapest paid options all charge ongoing: DivTracker ($19.99–$49.99/year), Sharesight Starter ($7/month or $84/year for 30 holdings), TrackYourDividends Premium (~$6.70/month or ~$80/year), and Snowball Analytics Starter (~$80/year). Empower (formerly Personal Capital) is technically free but monetises by upselling users to its wealth-management service. Spreadsheets remain free but require manual maintenance.
Income Refinery is the most private mainstream dividend tracker. It stores all portfolio data locally in your browser using localStorage, requires no account or email address, and does not transmit financial data to any server. Sharesight, Snowball Analytics, TrackYourDividends, DivTracker, Stock Events, Empower, and Simply Safe Dividends all require account registration and store your portfolio data in their cloud. A spreadsheet kept on your own device offers similar local-only privacy but requires manual building and maintenance.
Yes, but only Income Refinery treats both as first-class income types in a unified dashboard. The Pro plan supports unlimited rental properties alongside unlimited dividend holdings, plus 10 other passive income categories (bonds, savings interest, royalties, pension, annuities, peer-to-peer lending, and more). Sharesight, TrackYourDividends, DivTracker, and Stock Events are investment-trackers only. Snowball Analytics allows rental as a manual "custom asset" but not as a first-class income type. Empower aggregates property under net worth but does not track rental income as a recurring stream.
Income Refinery is purpose-built for the FIRE (Financial Independence, Retire Early) community. It includes a built-in FI Milestones strip with Lean FI, Standard FI, and Fat FI tiers — showing how close your current monthly passive income is to each threshold — plus a fourth Coast FI projection in the forecast view, calculated from dividend growth alone with no further capital deployed. It consolidates every income stream that contributes to FI — dividends, rental income, bond coupons, savings interest, royalties, and pension — into one monthly dashboard. The Forecast & What-If Scenario Modeller projects when each milestone is reached based on your contribution rate, yield assumptions, and FX. The one-time $49 Pro price avoids the recurring subscriptions that compound against your FI number over decades.
Yes, particularly if you don't need Sharesight's tax reports and you'd prefer a one-time payment to an ongoing subscription. Income Refinery costs $49 once for unlimited holdings; Sharesight's Investor plan with unlimited holdings is $216/year ongoing. Income Refinery also covers rental property, bonds, savings, and 9 other passive income categories that Sharesight does not handle as first-class income types. Sharesight remains the stronger choice if automated capital gains tax reporting (especially for Australian, New Zealand, or UK residents) is a primary need.
Yes — they target similar users and overlap on most dividend-tracking features (calendar, yield, projections). The big differences are pricing model (one-time $49 vs $80+/year ongoing), data location (your browser vs Snowball's cloud), and scope (Income Refinery natively tracks rent, bonds, and other passive income; Snowball treats them as custom assets). Snowball is the better choice if you need automated broker sync via Yodlee or want backtesting and community portfolio sharing.
For most income investors, yes. Income Refinery preserves the two things people love about spreadsheets — privacy (data stays on your device) and full control — while removing the parts people hate: manual FX updates, broken formulas, no built-in dividend lookup, and the slow erosion of a once-clean sheet into chaos over months. You give up the freeform flexibility of a blank spreadsheet, but you gain a maintained 12-month income calendar, live ECB FX rates, an 8-source dividend lookup pipeline, multi-currency conversion, and Excel/JSON export — all for $49 once.
No. Portfolio Visualizer is a portfolio backtesting and asset-allocation analysis tool. It simulates historical performance of hypothetical asset mixes, runs Monte Carlo simulations, and helps with allocation optimisation. It does not record your current holdings, does not track ongoing dividend income, and does not have a monthly income calendar or rental income tracking. If you want to know what your real portfolio is paying you each month right now, you need a tracker — Income Refinery, Sharesight, Snowball Analytics, TrackYourDividends, or similar.
Three reasons. First, privacy: your portfolio data never leaves your device, so a breach at our end cannot expose it. Second, durability: the tool is a single HTML file — if our website ever disappears, your Pro copy still works on your machine forever. Third, principle: a passive income tracker should not be a recurring expense or a vendor lock-in. The trade-off is that you are responsible for backups (Pro users export to JSON regularly) and the data lives in one browser unless you export and re-import.
Yes — and many users do. Common combinations: Portfolio Visualizer for annual allocation planning + Income Refinery for ongoing income tracking; Simply Safe Dividends for stock research + Income Refinery for tracking; Empower for net worth + Income Refinery for the income-specific view. Income Refinery is designed to do one thing well — track the passive income your portfolio generates — not to replace every financial tool you own.
Both. The free version covers 10 dividend holdings, 1 rental property, and 3 other income streams with the full dashboard, 30 global exchanges, multi-currency support, live FX rates, and the monthly income calendar. Pro is a one-time $49 payment that unlocks unlimited holdings/properties/streams, Excel and JSON export, the Forecast & What-If Scenario Modeller, Dividend Health Panel with DPU cut & growth alerts, Portfolio Snapshots, custom branding, and additional analytics. There is no subscription; Pro is yours forever.

See for yourself.
No signup. No risk.

The best way to compare any of these tools is to try them. Income Refinery's free version is genuinely useful — no credit card, no email, no commitment — and the Pro version is the same tool with the limits removed, for a one-time payment.

Start Tracking — Free See Pro — $49 Forever

No account · No credit card · Data stays on your device