A twelve-month calendar
of the cash you've
already earned.
Twelve months out. Lots-level accuracy. Multi-currency from the first position. Built so you can finally close the spreadsheet.
Four questions your spreadsheet
cannot honestly answer.
I built this because I wanted one place to evaluate equities the same way I evaluate them in my own head — quickly, without being a rocket scientist about it. The app is built around four questions I ask before I buy anything.
Is it on sale, or just popular?
When an established equity ranges and currently trades meaningfully below its 5-year mean, that's often a better entry than yesterday's all-time high. The app surfaces “below the mean” on every ranging instrument, so the calculation is one glance.
Is it established, or unproven?
Anything younger than 6 months hasn't proved a distribution cadence. Anything younger than 5 years hasn't been tested by a downturn. The app labels both clearly — no badge, no buy signal, just the history right there next to the price.
Twelve months. Every payment.
The day it lands.
When do you have enough that
you stop eating the principal?
Move the sliders. Watch the year shift. Then add a cost-of-living adjustment and a post-goal de-risking yield inside the app, and the projection earns the decimal place.
Illustrative — assumes 7% nominal growth during accumulation and a 4% safe yield after. Inside the app, you control every assumption: cost-of-living adjustment, post-goal yield, per-account contribution, DRIP per position.
And here's what the next thirty years looks like inside the app — your annual dividends measured against an inflation-adjusted goal line:
A quiet letter, every
Sunday morning.
Cash that landed. Cash arriving. Distribution changes above your threshold. Holdings shifts inside the ETFs you own. Set in a typeface you can read at the breakfast table.
No clickbait. No five-stocks-to-watch. No urgency badges. Worth opening because nothing else in the inbox respects your time this much.
You collected CAD $487 this week. Three positions paid: DGS.TO, FTN.TO, and CDAY.TO.
Next seven days: HHIS.TO (expected CAD $485) and JNJ (expected USD $112).
CDAY.TO raised its distribution +4.2% — the third raise in 18 months. Worth a glance at the instrument page.
Yours,
The calendar
Free for the basics.
Nine dollars a month for everything else.
The basics — track a portfolio, see your dividends, watch the income build.
- 1 portfolio account
- 10 watchlist items
- 3 saved screens
- 3-month income calendar
- Buy / sell transactions, manual dividends
- Basic weekly digest
Get everything in Pro for a very special and limited period of time. Only the first 100 founding members will receive this special discount. Your subscription will never go up in price for as long as you have your subscription.
Is this for you?
Worth saying plainly: we are not a trading platform. We are not investment advice. We are not a robo-advisor. We will never ask for your broker credentials. We are a calendar, a ledger, and an evaluation tool — built so you can decide for yourself.
Is this for the income investor specifically?
Yes — sharpened for it. Other investing styles work (the tracker, lots-model, multi-currency, and screener help anyone), but the killer features (income calendar, goal projection, dividend safety) earn their place when you actually care when the cash arrives.
Does this handle Canadian + US accounts together?
Natively. Multi-currency is first-class. Per-account currencies, per-ticker currencies, your own FX rates for goal conversion. TFSA / RRSP / RRIF / LIRA alongside US Traditional / Roth / 401(k). No silent 1:1 FX assumptions anywhere.
My broker isn't a household name. Will my tickers work?
If Yahoo Finance has them, we have them automatically. If they don't (some niche Canadian split funds, NEO / Cboe Canada listings), you can record distributions manually and the rest of the app treats them identically.
Why should I pay you when my spreadsheet is free?
Three reasons. Your spreadsheet doesn't know when ETFs cut their distributions; we email you the same day. Your 12-month projection is hand-maintained; ours updates itself every time a payment lands. Your spreadsheet works because you tend it — the day you stop tending it, it stops being true. We tend ours.