Track holdings, yields, and projected annual and monthly dividend income across your portfolio.

About the Dividend Income Tracker

For income-focused investors, the price chart is only half the story; the more important question is how much cash the portfolio actually pays out. This tracker turns a collection of dividend-paying holdings into a clear income statement, showing the annual and monthly cash you can expect and the yield you are earning on the money invested.

Each row captures a ticker, the number of shares, the current price, and the annual dividend per share. From those the tool computes each position's market value, its dividend yield, and its annual income, then aggregates the portfolio into total value, total annual income, average monthly income, and a blended portfolio yield.

Framing your holdings as an income machine changes how you evaluate them. A stock with a high yield but a shrinking business may be a trap, while a lower-yield holding that raises its payout every year can quietly become your best income producer, and seeing the numbers side by side helps you tell them apart.

How the Dividend Income Tracker works

For each holding, market value equals shares times price. Dividend yield is the annual dividend per share divided by the current price, expressed as a percentage. Annual income is shares times the annual dividend per share, which is the raw cash that position throws off in a year regardless of what the price does.

The annual dividend per share is the sum of the trailing or expected payouts for the year. For a stock that pays quarterly, that is four quarterly payments added together; for a monthly payer it is twelve. Enter the total annual figure so the yield and income come out right.

At the portfolio level, total value and total annual income are summed across all rows. Monthly income is simply total annual income divided by 12, and the portfolio yield is total annual income divided by total value. That blended yield is value-weighted, so larger positions influence it more than small ones.

Worked example

The default portfolio has four holdings. KO: 100 shares at $62 with a $1.94 dividend yields 3.1% and pays $194 a year. JNJ: 40 shares at $155 with a $4.76 dividend yields 3.1% and pays $190.40. VYM: 60 shares at $120 with a $3.50 dividend yields 2.9% and pays $210. O: 150 shares at $58 with a $3.16 dividend yields 5.4% and pays $474.

Summed, the portfolio is worth $28,300 and generates $1,068.40 in annual income. That is about $89.03 per month, and the blended portfolio yield is $1,068.40 / $28,300 = 3.8%. Realty Income (O) is the standout, contributing $474 of income, nearly 44% of the total, thanks to its high 5.4% yield.

The example shows how a single high-yield holding can dominate your income even when it is not your largest position by a wide margin. It also flags a concentration to watch: if that one payer cut its dividend, more than four dollars in ten of your income would be at risk, which is the kind of insight a raw price view would never surface.

Tips & common mistakes

Enter the full annual dividend per share, not a single quarterly payment. Multiply a quarterly dividend by four (or a monthly one by twelve) so the yield and income figures are correct.
Treat an unusually high yield as a question, not a prize. A yield far above a stock's peers often means the market expects a dividend cut; check the payout ratio and dividend history before trusting the income.
Watch your income concentration. If one holding provides a large share of your total dividends, a single cut can gut your cash flow, so diversify across sectors and payers.
Update the dividend-per-share figure when a company announces a raise or cut. Dividends are not fixed, and dividend growth over time is often more valuable than a high starting yield.
Remember that yield falls as price rises. A holding you bought at a 5% yield may show a lower current yield here after the price appreciated, even though your yield on original cost is unchanged.

Dividend Income Tracker: frequently asked questions

Should I enter the quarterly or annual dividend?

Enter the annual dividend per share, which is the total of all payments over a year. Most U.S. stocks pay quarterly, so add up four payments; some pay monthly, so add up twelve. Using a single quarter's payment by mistake would understate both your yield and your income by a factor of four.

What is yield on cost, and does this tool show it?

This tool shows current yield: dividend divided by current price. Yield on cost divides the dividend by the price you originally paid, so if a stock's price and dividend both grew, your yield on cost can be much higher than the current yield. To see it, you could enter your purchase price instead of the current price, though that changes the value column accordingly.

Does a high yield always mean a better income stock?

No. A very high yield often signals that investors expect the dividend to be cut, which is why the price has fallen and pushed the yield up. Sustainable income comes from companies that can comfortably afford their payout, so check the payout ratio and the track record of dividend growth rather than chasing the biggest number.

How is the portfolio yield different from a simple average of my holdings' yields?

The portfolio yield is value-weighted: it is total income divided by total value, so larger positions count more. A simple average of each holding's yield would treat a tiny position the same as a huge one. The value-weighted figure is the accurate measure of what your actual dollars are earning.

Does the income figure account for dividend taxes?

No, the income shown is gross. Qualified dividends and ordinary dividends are taxed differently, and holdings like REITs (Realty Income, for example) often pay non-qualified distributions taxed at your ordinary rate. Your after-tax income will be lower than the gross figure, so factor in your tax situation when planning around this cash flow.

Ticker	Value	Yield %	Annual Income
	$6,200.00	3.1%	$194.00
	$6,200.00	3.1%	$190.40
	$7,200.00	2.9%	$210.00
	$8,700.00	5.4%	$474.00
Total	$28,300.00	3.8%	$1,068.40

Dividend Income Tracker