Dividend tracking, the way DGI investors actually work
Most "dividend trackers" stop at one number: how much cash hit your account last month. That's useful, but it's the past tense of the story. Serious dividend investors live in three tenses at once, and a real tracker has to handle all of them.
Three states, not one
- Executed — what actually paid. The line on your statement. Audited, reconciled, real.
- Declared — what the company has officially announced for an upcoming pay date, but hasn't yet cut the check. The pipeline of confirmed income for the next 4-12 weeks.
- Estimated — what we project the next dividend will be, based on the prior schedule, payout trend and any guidance the company has given. The horizon line that lets you plan ahead.
Most apps collapse these into one figure. We keep them separate because they are separate questions. What did I earn last quarter is not the same question as what will I likely earn next October, and confusing them is how investors end up surprised by both cuts and surprise specials.
The metrics that matter
Yield is the easy one and not the only one. Evibe surfaces:
- Yield on cost — what the stream pays against the price you actually paid, not against today's quote. The number that grows when a company hikes.
- Payout ratio — the share of earnings being returned to shareholders. Sustainability check.
- Coverage ratio — earnings or free cash flow divided by dividend obligations. Stress check.
- Growth streaks — uninterrupted years of hikes. The dividend aristocrat / king / champion list, computed live for your holdings.
All of them computed continuously, all of them surfaced where you need them — including on the macOS Bars and the iOS widgets, so the income side of your portfolio isn't hidden three taps deep.
A real income calendar
Every confirmed and projected payment, on a calendar. By month, by quarter, by year. With totals. With currency conversions. With the option to model a "what if I added 50 more shares of X" scenario and see the ripple effect across the next 12 months of cash.
This is the layer that turns dividend investing from a hobby into a system.
Built for the long game
The whole feature set assumes you're holding for years, not days. The visualizations privilege the long arc — the way payouts have compounded, the way cuts shake out in the data, the way an early reinvestment looks five years later — over the short-term noise.
If that's how you think about your portfolio, Evibe was built for you.