Dividend & Passive Income Tracker — ProYou know your
number. Now see
when you could hit it.
The free plan shows you where you are. Pro shows you when you could get there: a projected date under your assumptions, not just a direction. Every income stream in one Dashboard, three-scenario forecasts, What-If scenarios, Dividend Health, a record of your progress, and Excel export with backup. $49 once, yours forever.
Other trackers charge you forever.
The tools you're probably already comparing Income Refinery against are subscription products. Every month you use them is another month you pay. Run the numbers.
month after month, year after year
Prices approximate. Simply Safe Dividends and Stock Events Pro are billed yearly. Check current rates at each provider.
Unlike subscription-based dividend trackers such as Snowball Analytics, Simply Safe Dividends, or Seeking Alpha Premium, Income Refinery Pro charges a single one-time fee: no recurring costs, no cloud accounts, no data leaving your browser. It is also the only tracker that combines dividend income, rental income, and other passive income streams in one unified dashboard.
Charging you monthly to track your progress toward financial freedom is absurd.
What is your dashboard not showing you?
The free plan caps you at 10 dividend holdings, 1 rental property, and 3 other income streams. If you've crossed any of those lines, or you're getting close, you're already looking at a partial picture of your income every time you open it. You're either omitting real positions, or you've quietly stopped adding them.
Most serious income investors hit the holding cap within their first year. At that point, your tracker stops being a full view and becomes a curated one. The monthly income figure you're trusting is understated. And if it's understated, so is your FI date estimate.
That's the moment Pro pays for itself: the first time you see your real monthly number, and what it means for your financial independence date.
See your full portfolio in Pro →Every feature built around one question.
"When will my income replace my salary?" Everything in Pro exists to help you answer that with precision, not guesswork.
Dashboard
Pro opens on a Dashboard that shows this month's expected income, your average monthly income, and your progress to target, with a 12-month income calendar you can select month by month. It shows when you could reach Lean FI, Standard FI, Fat FI and Coast FIRE under your Forecast assumptions, splits your income across holdings, property and other sources, and links to the Forecast. With nothing added yet, a welcome screen lets you import a spreadsheet, add an income source or restore a backup.
Forecast & Projection Engine
An inline projection panel that gives you a projected date under your assumptions, not just a direction. Three scenarios (Conservative, Base, Optimistic) plotted across up to 30 years, with break-even markers, FIRE tier lines, and a year-by-year income table. Adjust contributions, yield, DPU growth, and a reinvest distributions toggle, and watch your FI date move in real time. The free plan tells you where you are. This shows when you could be done, under your assumptions.
Dividend Health Panel
Using up to 8 recent payment events per holding, Pro compares the latest payment with the average of the earlier ones and labels each position ▼ Potential cut, ► Stable, or ▲ Growing. A potential cut means the latest payment is at least 5% below that average. Anything flagged, and any holding whose current DPU is recorded as zero, appears in a Health Panel above your holdings list on the Income Sources tab. It is a screening signal from the payment data you look up, not confirmation that an issuer has cut its distribution, so check the announcement before you act. You see the flag when you open Income Sources, not when a smaller payment reaches your bank account.
What-If Scenario Modeller
Before you commit capital, see what it could add to your monthly income. Add hypothetical holdings, properties or income streams, deploy a lump sum at a stated yield, or apply a rise or cut to your Stocks, REITs and Funds distributions. The Scenario Calendar shows the combined effect month by month, alongside your FI date before and after.
FI Milestones Strip
Lean FI, FI, Fat FI, Coast FI, the four markers every FIRE investor tracks, displayed as a live strip that updates every time your income, target, or assumptions change. Each tile shows the income required and the lump-sum gap remaining. The moment you hit a milestone, you'll see it. In real time. The Dashboard shows the same four as projections, with a date for each.
Income Over Time
Pro captures a point-in-time portfolio snapshot each month: monthly income and portfolio value in one record. A built-in monthly capture reminder prompts you so the habit forms itself. The Income Over Time chart plots every snapshot as a continuous line, so instead of just seeing where you are today, you can see the full arc of your income growth: how much you earned six months ago, a year ago, the month you started. An inflation-adjusted toggle shows real purchasing-power progress. An optional portfolio value overlay lets you track both income and capital together. For the income investor who thinks in decades, seeing the trajectory is as motivating as seeing the number. Every snapshot and every milestone you reach is listed in History with its own Share button, so you can share your progress as it was on that date.
Unlimited capacity
Holdings, properties, income streams: no limits. Track everything you own in one dashboard, exactly as it is, not as the free plan allows it to be.
Excel multi-sheet export
A multi-sheet Excel workbook with summary, forecast, holdings, property, other income, calendar and FX details, ready for Excel, Numbers, or Google Sheets.
JSON backup & restore
One-click export of your entire portfolio. Store your JSON backup in Google Drive, Dropbox or any storage service you prefer, then import it on another device with a Pro copy. Your data, your rules.
Table view
Switch between card and compact sortable table. Click any column to sort: Name, DPU, Units, Annual Income, % of total, Yield on Cost, Trend. Essential past 20 positions.
Yield on Cost & Net Rental Yield
Enter cost per unit for Yield on Cost. Enter purchase price on properties for Net Rental Yield. Blended portfolio yields update automatically across every section.
Custom branding
Change the dashboard title and logo to anything you want: your name, your portfolio nickname, your family office. Your dashboard, your identity.
Per-item notes
200-character notes on every holding, property, and income stream. Broker, tax wrapper, maturity date, whatever matters. Included in all exports.
8 dividend data sources
Your own watchlist upload, plus 7 API providers. Bring your own keys. They are stored only on your device. Switch provider any time.
Tax residence & multi-currency
Set your tax residence and Pro applies the US treaty withholding rate to new USD holdings. Override any holding. Hold income in 21 currencies, converted to your base currency.
A look inside Pro.
Captured from Pro with a fictional demo portfolio. The figures are illustrative: they are not real holdings or returns.
Built because nothing else did this.
A couple of years ago I started rebuilding my finances around income rather than growth. I tracked everything in spreadsheets. Then I found the tools, and none of them did what I needed. They tracked dividends or rent or side income, but never all three together. And not one of them answered the only question I actually cared about: when would this number be big enough that work becomes optional?
I built the free version because I needed it myself. I built Pro because I needed to stop estimating and start knowing. The forecast engine isn't a feature I added. It's the reason Pro exists.
At a glance.
Both versions share the same interface and core tracking features. Pro adds analytical depth and removes every cap.
| Feature | Free | Pro |
|---|---|---|
| Capacity | ||
| Stock / REIT / Fund holdings | Up to 10 | Unlimited |
| Rental properties | Up to 1 | Unlimited |
| Other income streams | Up to 3 | Unlimited |
| Analytics | ||
| Dashboard with month-by-month income detail and FI projections | — | ✓Pro |
| Forecast & Projection Engine | — | ✓Pro |
| What-If Scenario Modeller | — | ✓Pro |
| FI Milestones Strip (Lean / FI / Fat / Coast) | — | ✓Pro |
| Dividend Health Panel | — | ✓Pro |
| Yield on Cost per holding | — | ✓Pro |
| Net Rental Yield per property | — | ✓Pro |
| Tax residence withholding rates | — | ✓Pro |
| Income Over Time chart + Portfolio Snapshots | — | ✓Pro |
| Snapshot CSV export | — | ✓Pro |
| Share any past snapshot or milestone | — | ✓Pro |
| Backup & Export | ||
| JSON backup & restore | — | ✓Pro |
| Excel multi-sheet export | — | ✓Pro |
| Display & Personalisation | ||
| Table view (sortable) | — | ✓Pro |
| Per-item notes | — | ✓Pro |
| Custom branding | — | ✓Pro |
| Core (in both) | ||
| Monthly income calendar | ✓ | ✓ |
| Share your progress card (PNG · social media) | ✓ | ✓ + growth % & watermark |
| 30 global exchanges, multi-currency | ✓ | ✓ |
| FI target progress bar | ✓ | ✓ |
| Runs in your browser · no Income Refinery backend | ✓ | ✓ |
From purchase to tracking in 60 seconds.
No accounts, no app stores, no waiting. Pay, download, open. That's it.
Secure checkout via Lemon Squeezy. All major cards, PayPal, Apple Pay. Local taxes handled automatically.
Instant download of income_refinery_pro.html, also emailed for safekeeping.
A single file. Google Drive, Dropbox, iCloud, USB, every laptop you own. Use it on all of them.
Double-click. Yours forever. Your saved portfolio stays in your browser's localStorage. No Income Refinery backend stores it, and it is never visible to anyone but you.
Built for people who take their numbers seriously.
From dividend portfolio builders to FIRE chasers to property investors, Pro fits the way serious income investors actually work.
"Finally a tool that combines my dividends and rental income in one dashboard."
Built for income investors, not subscribers.
A tool that tracks your path to financial independence shouldn't make you dependent on it.
$49 once. No subscription. No renewal emails. No price hikes. Income investors shouldn't pay recurring fees to their tools.
Your saved portfolio stays in your browser. Income Refinery does not upload it to an Income Refinery backend, so there is no server of ours that could see it. External market-data and FX features may contact the relevant service when used.
It's a single HTML file. Save it forever. We could vanish tomorrow and your dashboard would still open and still work.
The free version has every core feature. Upgrade only once you're sure Pro is worth it to you, and your Free portfolio moves across with you.
Before you buy.
income_refinery_pro.html) via a secure download link (and by email as a backup). No installer, no app store, no admin permissions. Double-click it and your browser opens it like a web page, except all your data is saved locally. It runs identically on Mac, Windows, Linux, iPad, and Android.Stop guessing.
Start seeing when.
One payment. Every income stream in one Dashboard. Forecasts that project a date under your assumptions, What-If scenarios to test a move before you make it, and a record of your progress you can share. Your saved portfolio stays in your browser. Your file stays on your drive. Forever.
Get Income Refinery Pro — $49 or start with the free version first →One-time payment · Yours forever