DivvyDiary
Dividend-income tracker with a payout calendar, portfolio tracking and a dividend-focused screener.
DivvyDiary is a German dividend-income tracker built around a personal payout calendar. Its about page states the goal plainly — to build the best possible tool for dividend investors — and the product follows: forward dividend estimates, a yearly income summary, net-dividend calculation after your tax rate and allowance, and a dividend backtest. It is a real portfolio underneath, with holdings, cost basis, allocation and a performance chart you can overlay against a benchmark security, and it reaches beyond listed shares to crypto, commodities and interest-bearing cash. Direct connections to Trade Republic, Scalable Capital and Consorsbank keep transactions current; CSV import covers everything else. The free Sparfuchs plan is permanent and needs no payment details, but holds one portfolio.
Features at a glance
| Feature | DivvyDiary |
|---|---|
| Pricing | Freemium |
| Tracking & data | |
| Manual entry | Yes |
| CSV / broker import. Import holdings and transactions from broker or exchange CSV files. | Yes |
| Automatic bank/broker sync. Connects to your bank or broker to pull holdings in automatically. | Yes |
| Multi-asset | Yes |
| Multi-currency | Yes |
| Dividend tracking | Yes |
| Dividend/income forecast. Projects future dividend income and shows an income calendar. | Yes |
| Tax reports | Not supported |
| Analysis & insights | |
| AI portfolio analysis | Not supported |
| AI asset & market analysis. AI commentary on individual holdings and market context, not just the whole portfolio. | Not supported |
| Portfolio health score. A single score rating diversification, concentration and other portfolio-health signals. | Not supported |
| Rebalancing & drift. Shows how far your allocation has drifted from target and how to correct it. | Not supported |
| Goal & time-to-goal | Not supported |
| Custom groupings / tags. Group holdings by your own dimensions (e.g. strategy, theme), not just asset class. | Not supported |
| Return method (TWR/MWR). True time-weighted (TWR) and money-weighted (MWR/XIRR) return — not just a simple % change. | —Not verified |
| Benchmark & alpha. Compare returns against a benchmark, including alpha. | Yes |
| Backtesting & scenarios. Test a portfolio against historical data or run scenario simulations. | Partial |
| Access & pricing | |
| Free tier | Yes |
| No account linking required. Works without connecting a bank login or aggregator. | Yes |
| Open source | Not supported |
| Self-hostable | Not supported |
| Public API | Partial |
| Platform & reach | |
| Mobile app | Partial |
| Multi-language | Yes |
| Community & extras | |
| Public / social portfolios. Share your portfolio publicly and follow other investors. | Yes |
| AI portfolio roast. A shareable AI roast: a frank critique of a portfolio. | Not supported |
Best for
Dividend investors in the German-speaking market who want a payout calendar and an income forecast above all else, and who do not need goals, rebalancing or tax filing.
Strengths
- Forward dividend estimates and a payout calendar as the core of the product
- Direct sync with Trade Republic, Scalable Capital and Consorsbank
- Benchmark overlay against any security you search for
- Net-dividend calculation after tax rate and allowance
- Permanent free plan, no payment details required
- Public read-only portfolio sharing
Trade-offs
- No goal or time-to-goal projection
- No portfolio health score or rebalancing
- No custom groupings — allocation only by sector, region, asset type and portfolio
- No AI analysis anywhere in the product
- Mobile apps are web wrappers rather than native builds
- Free plan holds a single portfolio
DivvyDiary vs PortfolioGlance
DivvyDiary is narrower than us on purpose, and the focus is its strength — nobody in this catalogue treats the payout calendar as seriously, and it forecasts dividend income, which we do not. Everything past the dividend is where we live: a portfolio health score, rebalancing with drift, goal and time-to-goal projection, custom tags and AI analysis. Choose DivvyDiary if the next payment date is the number you check. Choose PortfolioGlance if you want to know whether the portfolio producing it is sound.
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This overview is editorial and for information only — not financial advice or an endorsement. Features and pricing may have changed since publication; check the official site for the latest details.