Overview
The Income tab in your portfolio provides a complete picture of your dividend income across four main views:
Annual Growth Chart: Year-over-year income trends and projections
Monthly Breakdown: Detailed month-by-month income analysis
Holdings: Per-stock income contribution and dividend metrics
Calendar: Visual timeline of dividend events
Your projected annual income for the current calendar year is also displayed in the portfolio header for quick reference.
Annual Income Growth
The Annual Income Growth section displays a bar chart showing your dividend income over time, including:
5 years of historical data (actual received dividends)
Current year (combination of received, entitled, and estimated)
Next year projection (estimated based on current holdings)
Chart Elements
Each bar in the chart is color-coded to show the composition of income:
Color | Category | Description |
Green | Received | Dividends that have been paid and recorded |
Blue | Entitled | Dividends declared but not yet paid |
Orange | Estimated | Projected future dividends |
Year-over-Year Growth
Above each bar, you'll see a percentage indicating the growth (or decline) compared to the previous year. This helps you quickly identify trends in your income growth.
Growth Statistics
Two key metrics are displayed:
Actuals Only
Calculated using only completed years (excludes current and future years)
Provides a historical baseline of your income growth
Including Estimates
Includes the current year and next year projections
Shows your projected growth trajectory
Each statistic shows:
CAGR (Compound Annual Growth Rate): The smoothed annual growth rate over the period
Total Growth: The overall percentage change from first to last year
Monthly Income Breakdown
The Monthly Breakdown view provides granular visibility into your income patterns throughout the year.
Features
12-month view: See income for each month of the selected year
Category breakdown: Each month shows received, entitled, and estimated portions
Expandable rows: Click on any month to see which holdings contributed
Year selector: Toggle between years to compare patterns
Reading the Chart
The stacked bar chart shows:
Total income per month (bar height)
Breakdown by category (color segments)
Hover over any bar for exact amounts
Table View
When you expand a month, you'll see:
Each holding that paid (or will pay) a dividend that month
The amount per holding
Payment status (received, entitled, or estimated)
This helps identify which stocks drive your income in specific months and whether your income is well-distributed or concentrated.
Income by Holdings
The Holdings view shows how each stock in your portfolio contributes to your dividend income.
Columns Explained
Column | Description |
Ticker | Stock symbol |
Company | Company name |
Annual Income | Total projected annual dividend income from this holding |
Yield on Cost (YoC) | Annual dividend divided by your average cost basis, expressed as a percentage |
Current Yield | Annual dividend divided by current market price |
5Y Div Growth | Compound annual growth rate of the dividend over the past 5 years |
Payout Ratio | Percentage of earnings paid out as dividends |
Div Consistency | Score indicating how consistently the company has paid/grown dividends |
Understanding Yield on Cost
Yield on Cost (YoC) is a powerful metric for long-term dividend investors. It shows the yield based on what you actually paid for the stock, not the current price.
Example:
You bought a stock for $50/share
It now pays $3/year in dividends
Your YoC = $3 / $50 = 6%
If the stock price rose to $100, the current yield would be 3%, but your YoC remains 6%
A high YoC indicates your investment has grown its dividend significantly since you purchased it.
Sector Breakdown
The Holdings view also includes a sector breakdown showing:
Income contribution by sector
Percentage of total income from each sector
Helps identify concentration risk in your income stream
Dividend Calendar
The Dividend Calendar provides a visual timeline of dividend events for your portfolio holdings.
Date Range
The calendar displays a 12-month window:
6 months in the past
6 months in the future
Event Types
Each dividend goes through several key dates:
Date | Description |
Declaration Date | When the company announces the dividend |
Ex-Dividend Date | The cutoff date - you must own shares before this date to receive the dividend |
Record Date | The date the company checks its records to determine shareholders |
Pay Date | When the dividend is actually paid to shareholders |
Using the Calendar
Navigate months: Use the arrows to move forward or backward
Today button: Quickly return to the current date
Event details: Click on any event to see full details including amount per share and total payment
What's Included
The calendar shows dividends from all holdings in your portfolio. Spinoff distributions (stock dividends) are excluded since they are not cash income.
Understanding Income Categories
Your dividend income is categorized into three types based on status:
Received
Dividends that have been:
Paid by the company
Recorded in your portfolio transactions
Converted to your portfolio's base currency (if applicable)
This is your actual, realized income.
Entitled
Dividends where:
The company has declared the dividend
The ex-dividend date has passed (you owned shares on the record date)
Payment has not yet been received
You are legally entitled to these dividends - they just haven't hit your account yet.
Estimated
Projected future dividends based on:
Your current holdings
Historical dividend payment patterns
Analyst estimates for future dividends
Estimates use data from FactSet and consider:
Announced future dividends
Historical payment schedules
Expected dividend growth rates
Note: Estimates are projections and actual dividends may differ. Companies can increase, decrease, or suspend dividends at any time.
Frequently Asked Questions
Why don't I see income for a specific holding?
Possible reasons:
The stock doesn't pay a dividend
You acquired shares after the most recent ex-dividend date
The dividend data hasn't been updated yet
Why is my estimated income different from what I expected?
Estimates are based on:
Current holdings and share counts
Historical dividend patterns
Analyst projections
If you recently changed your holdings, estimates will adjust accordingly. Also, companies may announce dividend changes that aren't yet reflected.
How is currency handled for international holdings?
Dividends from international holdings are converted to your portfolio's base currency using exchange rates at the time of payment (for received dividends) or current rates (for entitled/estimated).
Why does my YoC show as N/A?
Yield on Cost requires a valid cost basis. If you imported transactions without cost information, or if there's an issue with your transaction history, YoC cannot be calculated.
How often is the data updated?
Received dividends: Updated when you add transactions or sync with a connected broker
Entitled dividends: Updated daily as companies announce dividends
Estimated dividends: Updated based on the latest analyst projections and company announcements
Tips for Maximizing Your Income Analysis
Keep transactions up to date: Accurate income tracking requires complete transaction history
Review monthly patterns: Identify months with low income to find opportunities for better distribution
Monitor YoC trends: Rising YoC over time indicates successful dividend growth investing
Watch sector concentration: Diversify income sources to reduce risk from sector-specific downturns
Compare actuals vs estimates: If estimates consistently differ from actuals, review your holdings for companies with changing dividend policies