Quick answer: what is the best free tool to track dividend income? For a small portfolio, a spreadsheet costs nothing and works if you enjoy updating it. Snowball Analytics and Sharesight both offer free plans with 1 portfolio and 10 holdings (checked on their pricing pages on 31 October 2026). PieFolio AI's free plan covers 1 portfolio with up to 25 holdings and adds a Portfolio Health score and AI analysis; you enter holdings yourself.
A good dividend tracker should answer three questions without you doing math: how much income am I actually receiving, when is it landing, and is it growing fast enough to matter. In 2026 there are roughly three ways to do this — a spreadsheet you maintain yourself, a legacy dividend tracker built in the late 2010s, or a modern AI-powered portfolio app. Each has trade-offs, and the right pick depends on how many holdings you have and how much time you want to spend on upkeep.
This guide compares the best free dividend trackers available in 2026, what they're genuinely good at, and where they fall short.
The three categories of dividend tracker
1. DIY spreadsheets (Google Sheets, Excel). Free, infinitely flexible, and a rite of passage for serious dividend investors. The cost is your time — every new position, dividend change, and FX conversion is your problem.
2. Legacy dividend trackers (Snowball Analytics, Sharesight free tier, Simply Safe Dividends previews, Stockanalysis.com watchlists). Purpose-built for dividends, with calendars, yield-on-cost, and projected income. Free tiers are capped; Snowball and Sharesight both allow 10 holdings on their free plans.
3. Modern AI-powered portfolio apps (PieFolio, a handful of newer entrants). Track dividends as part of a broader portfolio view, with AI analysis that explains why your income looks the way it does — concentration, coverage, sustainability — instead of just charting it.
Comparison at a glance
Free limits for Snowball and Sharesight checked on their pricing pages on 31 October 2026; plans can change.
| Tracker | Cost | Holdings limit (free) | Multi-broker sync | Dividend calendar | AI analysis | Best for |
|---|---|---|---|---|---|---|
| Google Sheets / Excel | Free | Unlimited | Manual | DIY | None | Tinkerers with <20 positions |
| Snowball Analytics (free) | Free | 10 holdings, 1 portfolio | Check current plan | Yes | Not checked | Pure dividend focus, small portfolio |
| Sharesight (free) | Free | 10 holdings (incl. closed), 1 portfolio | Check current plan | Yes | Not checked | Tax-reporting-heavy investors |
| Stockanalysis.com | Free | Watchlist only | No | Partial | None | Quick lookups, not tracking |
| PieFolio AI | Free tier; optional Premium | 25 holdings in 1 portfolio | No; add holdings yourself | 7 days on Free; up to 365 with Premium | 3 analyses/month on Free; unlimited under fair use with Premium | Investors who want income + context |
Spreadsheets: powerful, but they punish growth
A well-built dividend spreadsheet is genuinely impressive. You get yield-on-cost, dividend growth rate, projected annual income, and a per-month calendar — all customizable. For a 5–15 stock portfolio with stable holdings, it's hard to beat.
The problem is maintenance. Every new dividend announcement, every split, every FX rate, every broker statement is manual work. As your portfolio grows past 20 positions or spans multiple brokers, the spreadsheet becomes the second job you didn't sign up for. Most investors quietly abandon theirs by year two.
Use a spreadsheet if: you have a small, stable portfolio and you enjoy the maintenance. Skip it if: you have multiple brokers, more than 20 positions, or you've already let your sheet go stale once.
Legacy dividend trackers: built for one job, capped on the free tier
Snowball Analytics, Sharesight's free plan, and similar tools are purpose-built dividend trackers. They give you the dividend calendar, projected income, yield-on-cost, and dividend safety scores that spreadsheets require you to build yourself.
The catch is the free-tier ceiling: Snowball and Sharesight both cap their free plans at 10 holdings in 1 portfolio, and more holdings need a paid plan (see their pricing pages for current prices). They also do one thing well — dividends — and very little else. If you want to understand your overall portfolio risk, sector concentration, or whether your income is sustainable, you're back to a second tool.
Use a legacy tracker if: your portfolio fits the free-tier cap and you want a dividend-only view. Skip it if: you have more than 15–20 holdings, multiple brokers, or you want context beyond income.
AI-powered trackers: dividends with the "why"
Modern AI portfolio apps treat dividends as one stream within your full portfolio, not the whole story. PieFolio, for example, gives you the standard dividend calendar and projected income, then layers two features that legacy trackers don't have:
- Portfolio Health. A structured score that tells you how concentrated your income is, whether your top three payers cover most of your yield, and how exposed you are to a single sector or currency. If 70% of your dividend income comes from three US banks, Portfolio Health surfaces that immediately — a spreadsheet will not.
- AI Analysis. Plain-language analysis that explains why your income looks the way it does and what would change it. This is the layer legacy trackers and spreadsheets cannot produce, because they have no model of your portfolio beyond the numbers.
For investors who want to actually understand their income — not just chart it — this is the meaningful upgrade over the previous generation of trackers.
Use an AI-powered tracker if: you have 10+ holdings, want a single view of income and risk, and value explanation over raw charts.
How PieFolio compares specifically
PieFolio AI Free includes 1 portfolio with up to 25 holdings, 3 AI portfolio analyses and 5 AI chat messages per month, and a dividend calendar for the next 7 days. You add holdings yourself; automatic broker sync and broker linking are not offered. Portfolio Health and AI Analysis help everyday investors understand their portfolio.
Premium is one access level, offered as Premium Monthly, Premium Annual, or a limited one-time, non-renewing Founding Lifetime purchase. Premium includes 300 AI chat messages per month, unlimited AI analysis under fair use, and a dividend calendar up to 365 days ahead. AI Chat is live. A 7-day free trial is available on Premium Annual only for eligible users confirmed by Apple or Google. Prices are shown in the app; see the Subscription Terms.
It's not a replacement for a tax-reporting tool (Sharesight is still stronger there) and it's not aimed at active traders. It is aimed squarely at long-term investors building income, ETF, and dividend portfolios who want clarity without spreadsheets.
You can try it free on iOS and Android — 1 portfolio with up to 25 holdings.
Want to estimate future dividend income first? Use the free dividend calculator, or the German version, the Dividendenrechner.
How to pick
- Under 15 holdings, one broker, you enjoy maintenance → spreadsheet.
- Under 10 holdings, dividends-only focus → Snowball or Sharesight free tier.
- Up to 25 holdings and you want income and context → PieFolio AI's free plan (you add holdings yourself).
- You need automatic broker import or tax reports → check paid plans of dedicated tools like Sharesight.
The right pick depends on how many holdings you have and whether you need automatic imports. Try the free plans with your real portfolio before you decide.
Sources
- Snowball Analytics pricing (checked 31 October 2026)
- Sharesight pricing (checked 31 October 2026)
