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Что умеет Трекер дивидендов
Anyone investing in stocks, ETFs or funds quickly loses track of when which position pays out how much and how much is left after tax. The dividend tracker bundles this into one interface with five areas: portfolio, calendar, tax, reinvestment and preset portfolios. You enter your positions with share count, purchase price, current price and dividend per share, and the rest follows.
In the portfolio you see at a glance the portfolio value, invested capital, price gain, annual dividend, average yield, yield on cost and total return. Two pie charts show the allocation by value and by sector, so you can tell whether your portfolio leans too heavily on one industry. That turns a list of tickers into a real overview.
The dividend calendar assigns the expected payouts to the months in which they flow. That is handy for seeing which months bring in a lot and where the quiet spells are. Anyone building a portfolio toward monthly income quickly spots the gaps here.
The tax area is the core for German investors. It calculates the 25 percent capital gains tax, the 5.5 percent solidarity surcharge on top and optionally 8 or 9 percent church tax. The decisive factor is the saver's allowance: 1,000 euros for singles, 2,000 for joint assessment. The tool shows how much of it your income already uses and what remains taxable - exactly the info you need for the exemption order at your bank.
The reinvestment simulator shows the power of compounding. You enter starting capital, monthly savings, dividend yield, dividend growth, price growth and investment horizon and compare what happens when you reinvest dividends (DRIP) instead of cashing them out. The effect over twenty or thirty years surprises most people.
Ready-made preset portfolios such as the DAX dividend stars give you a starting point if you first want to try out how the tool works. You can export your portfolio as CSV at any time to process it further in a spreadsheet or back it up. You maintain the dividend figures yourself - the tool makes no price predictions and is not investment advice.
Функции
Portfolio with key figures
Portfolio value, price gain, annual dividend, yield on cost and total return - all automatic from your positions.
Saver's allowance in view
See immediately how much of your 1,000 or 2,000 euro allowance is used and what stays taxable.
Flat tax calculator
25% capital gains tax, 5.5% solidarity surcharge and optionally 8 or 9% church tax, shown cleanly separated.
Dividend calendar
Expected payouts assigned to months so you can see when a lot and when little comes in.
Reinvestment simulator (DRIP)
Compare compounding with and without reinvesting dividends over your investment horizon.
Sector allocation as a chart
Pie charts by value and sector reveal concentration risks in your portfolio.
CSV export and preset portfolios
Start with ready-made preset portfolios and export yours as CSV at any time for further processing.
Как это работает
- 1
Add positions
Enter name, shares, purchase price, current price, dividend per share and payout months - or load a preset portfolio.
- 2
Review the portfolio
Check portfolio value, yield and sector allocation and spot where your portfolio is lopsided.
- 3
Check tax and allowance
Pick assessment type and church tax and see how much saver's allowance is used and what remains taxable.
- 4
Simulate reinvestment
Enter savings rate and horizon and compare the final value with and without reinvesting dividends.
Кому это нужно
Частые вопросы
What is the saver's allowance and why does it matter?
The saver's allowance is the annual tax-free amount for capital income: 1,000 euros for singles, 2,000 for joint assessment. Up to that limit dividends and interest stay tax-free. The tracker shows how much your income already uses, so you can split your exemption order correctly.
How high is the tax on dividends?
Capital income above the allowance is taxed at 25 percent, plus 5.5 percent solidarity surcharge on top and, where applicable, 8 or 9 percent church tax. Together that comes to roughly 26.4 to 27.8 percent depending on church tax, which the calculator breaks down cleanly.
Does the tracker fetch prices automatically?
No. You maintain the share count, price and dividend per share yourself. That keeps the tool data-frugal and independent of price providers. In exchange you can also enter exotic holdings, funds or foreign stocks that no standard provider knows.
What does DRIP mean in the reinvestment simulator?
DRIP stands for Dividend Reinvestment Plan, i.e. automatically reinvesting dividends instead of cashing them out. The simulator shows how strongly compounding works over the years when you reinvest - the key lever for long-term wealth building.
Is the dividend tracker investment advice?
No. The tool manages and calculates with the figures you enter and makes no price forecasts or buy recommendations. The tax calculation is a simplified orientation. For binding tax or investment questions consult a tax adviser or independent advice.
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