🌲 Dividend Portfolio Tracker

Track Every Dollar.
Own Every Dividend.

A self-contained, browser-based portfolio tracker built for dividend investors and options traders. No subscriptions, no accounts — your data stays yours.

See Pricing → Explore Features
Pro Edition
Plus Edition
Wheel Edition
Starter Edition
Harvest Ledger Pro — Main Portfolio
PORTFOLIO Main Portfolio ▾  401(K)   +
🏠 Overview
📊 Portfolio
💵 Dividends
📅 Income
🛠️ Tools
🔍 Watchlist
🧮 Sizing
📋 Log
📊 Metrics
🧾 Taxes
⚠️ Cuts
🎯 Options
💰 Cash
🏦 Retirement
Cost Basis
$31,304
Market Value
$31,198
Unrealized
-$106
Dividends Rec'd
$348
Total Return
$243
Return %
0.8%
💼
Portfolio Value
$31,198
▼ $106 loss
💵
Est. Annual Income
$3,298
Divs + premium
🏦
Cash Available
$0
No open CSPs
📋
Open Positions
0 trades
$0 collateral
YTD Net Premium
$0
2026 options income
📊 Holdings
JEPQJPMorgan Equity Premium$8,441+1.2%
OVLOverlay Shares Large Cap$6,218-0.4%
SCHDSchwab US Dividend Equity$5,892+0.8%
TDAQTorex Digital Agri$4,301-1.1%
BLOXBlocksquare Token$2,944+2.3%
🍩 Allocation
JEPQ 27%
OVL 20%
SCHD 19%
TDAQ 14%
BLOX 9%
Other 11%
🗂️
Single HTML File
Nothing to install. Open in any browser. Works offline. No server, no account required.
🔒
100% Private
All data lives in your browser's local storage. Nothing is ever sent to a server.
📡
Live Data
Connect Polygon.io, Yahoo Finance, or Alpha Vantage to refresh prices and dividend history.
📤
Export Anywhere
Export to JSON backup or CSV. Import from a previous backup to move between devices.

Four editions, one file each.

Pick the edition that matches your investing style. Every edition is a single, self-contained HTML file — no dependencies.

Harvest Ledger Plus
All the essentials, streamlined
Best for: Single-account dividend investors who want deep analytics without complexity
  • Single portfolio, full dividend tracking
  • Ex-dividend calendar + Polygon fetch
  • Income tab with monthly breakdowns
  • Watchlist with dividend safety ratings
  • Dividend heatmap + snowball visualizer
  • Dedicated 🧾 Taxes tab — estimate + ROC tracking
  • Metrics & cuts alert tab
  • Sizing tool + transaction log
11 tabs  ·  40+ features
$29.99 one-time
Buy Plus →
🎯
Harvest Ledger Wheel
Built for the wheel strategy
Best for: Options traders who sell CSPs and covered calls and want premium-first tracking
  • Options-first dashboard with YTD premium
  • CSP & covered call tracking with modal log
  • Smart symbol dropdown auto-fills from portfolio
  • Cash management & collateral tracking
  • Open positions & strike/expiry log
  • Watchlist for potential wheel targets
  • Roll campaigns — chained premium tracking
  • Position sizing tool
  • 401(k) + Roth/Trad IRA trackers
9 tabs  ·  25+ features
$19.99 one-time
Buy Wheel →
🌱
Harvest Ledger Starter
Simple. Clean. Just dividends.
Best for: New dividend investors who want to start tracking without overwhelm
  • Portfolio holdings with gain/loss
  • Dividend payment log
  • Income projection summary
  • Watchlist for tracking targets
  • DRIP projector + snowball visualizer
  • Dividend heatmap & goal tracker
  • Sizing tool & trade log
7 tabs  ·  20+ features
$0.99 one-time
Buy Starter →

Everything you need to track income.

Built specifically for dividend investors — not a generic portfolio app that bolts on dividend features as an afterthought.

📊 Portfolio Overview

Your full picture, at a glance

The Overview tab gives you a real-time KPI strip, allocation donut, holdings bar chart, income summary, and upcoming ex-div events — all on one screen.

  • 📈 Cost basis, market value, unrealized gain/loss
  • 🍩 Allocation donut by market value or cost basis
  • 💰 Income summary with annual + monthly projections
  • 🔔 Ex-div alert banner for holdings going ex this week
All Editions
📊 Portfolio Holdings
SymbolCompanySharesValueGainAnn. Div
JEPQJPMorgan Equity Premium120$8,441+$214$768
SCHDSchwab US Dividend ETF74$5,892+$118$163
OVLOverlay Shares Large Cap200$6,218-$82$364
TDAQTorex Digital Agriculture310$4,301-$199$186
BLOXBlocksquare Token88$2,944+$401$211
💵 Dividend Tracking

Log every payment. See every trend.

Track dividend payments with a full ex-dividend event calendar, automatic projected income from your share count, and month-by-month payment history.

  • 📅 Ex-dividend event log with projected income per event
  • 📡 Fetch upcoming ex-divs for all holdings from Polygon.io
  • 📥 Auto-import dividend payments from ex-div events
  • 🔄 Log DRIP reinvestments as new lots automatically
Pro & Plus
📅 Ex-Dividend Events — July 2026
July
JEPQJul 1$62.40
BLOXJul 3$18.92
OVLJul 14TBD
August
SCHDAug 8$16.28
JEPQAug 11$59.80
September
TDAQSep 5$46.50
JEPQSep 10$60.00
📡 Fetch Upcoming
Pull upcoming ex-div dates for all holdings from Polygon.io in one click
📅 Income Analytics

Know exactly when your money arrives

The Income tab breaks down projected dividend payments by month, stock, and year — so you always know what's coming and when.

  • 📊 Monthly income bars by payment date
  • 📋 Forward dividend calendar showing future pay dates
  • 🗓️ Tax year summary — income by calendar year
  • 📉 Dividend cut alert tab — watch for reduced payouts
Pro, Plus & Starter
📅 Projected Monthly Income
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Annual
$3,298
Monthly
$274
YTD Rec'd
$1,641
🎯 Options & Wheel Tracking

Track your premium income alongside dividends

The Options tab lets you log CSPs and covered calls via a quick modal overlay — with a smart symbol dropdown that auto-populates from your portfolio holdings. Tracks open positions, expiry, and YTD premium earned.

  • 📋 Log CSPs and covered calls via quick modal overlay
  • 🎯 Smart symbol dropdown auto-fills from your portfolio
  • 💰 Cash management with collateral tracking
  • YTD net premium on the main dashboard
  • ⚙️ Toggle on/off per portfolio — no clutter if you don't need it
Pro & Wheel Edition
🎯 Open Options Positions
CSP SCHD $74P 8/15 1 contract · $7,400 collateral +$148 Open
CC JEPQ $72C 8/22 1 contract · 100 shares +$95 Open
CSP TDAQ $14P 7/18 2 contracts · $2,800 +$62 Expired
2026 YTD Net Premium
$1,247
🔄 DRIP & Growth Projections

See where compounding takes you

The DRIP Projector shows how reinvesting dividends snowballs over time — projected share count, annual income, and portfolio value year by year.

  • 📈 Year-by-year projections for 5, 10, 20, 30 years
  • 🆚 DRIP vs no-DRIP comparison with income boost calculation
  • 🔭 Scenario Planner — "what if" with additional monthly contributions
  • ⚖️ Rebalancing assistant to keep allocations on target
Pro (Scenario + Rebalancing) & All Editions (DRIP)
🔄 DRIP Projector — 20 Year Compounding
Year 20 Income
$11,840
vs $3,298 today
DRIP Boost
+$4,212
vs no reinvestment
ANNUAL INCOME GROWTH
Year 1 Year 10 Year 20
🏦 Retirement Tracking

Track your 401(k) and IRA contributions pay period by pay period

The Retirement Tracker logs employee contributions and employer match, calculates how much of the annual IRS limit you've used, and projects the date you'll max out — with full year-over-year history. Switch between 401(k), Roth IRA, and Traditional IRA accounts, each with its own contributions and correct IRS limits.

  • 🏦 Three accounts in one tab: 401(k) · Roth IRA · Traditional IRA
  • 📅 Pay Period dropdown (#1, #2…) auto-fills contribution dates
  • 🔢 Navigate ‹ / › between years — IRS limits load automatically
  • 401(k) catch-up tiers: 50–59/64+: +$8,000 · 60–63: +$11,250 · IRA: +$1,100 at 50+
  • 📈 Analytics card projects the date you'll hit the annual limit
Pro & Wheel Edition
🏦 401(k) Tracker — 2026
Contributed
$14,200
of $24,500 limit
Employer Match
$2,840
total YTD
Progress to limit57.9%
📈 Max-Out Projection
At current pace — on track to hit limit by Nov 14, 2026
🎲 Retirement Planning

"When can I live off dividends?" — answered with math

The Monte Carlo projection runs 500 randomized market simulations of your actual portfolio and shows the probability your dividend income covers your target spending — year by year, with optimistic and pessimistic bands.

  • 🎲 500 simulations with your real portfolio value and yield
  • 📊 10th–90th percentile probability bands + median crossover year
  • 🎯 Annual dividend goal with progress bar and pace tracking on the Overview
  • ☃️ Snowball visualizer — animated DRIP-vs-no-DRIP income chart
  • 🧾 Dedicated Taxes tab: tax estimate, ROC cost-basis tracking, and a 60-day qualified-dividend holding check
Monte Carlo: Pro · Goal & Snowball: Pro, Plus & Starter
🎲 Monte Carlo — Income vs $40,000 Target
Chance by Year 30
87%
income ≥ target
Median Crossover
Year 19
(2045)
PROJECTED ANNUAL INCOME — PROBABILITY BANDS
$40k target
Today
Year 30
📋 Multi-Portfolio Management

All your accounts, one file

Pro edition lets you manage multiple portfolios — a 401(k), IRA, and taxable brokerage — independently and then view them combined in the All-Portfolios dashboard.

  • 🗂️ Unlimited portfolios with independent settings
  • 🌐 All-Portfolios combined dashboard across all accounts
  • ⚙️ Per-portfolio feature toggles (options, cash)
  • 📤 Export individual or all portfolios to JSON
Pro Edition Only
🌐 All Portfolios — Combined View
AccountValueDiv IncomeReturn
Main Portfolio$31,198$1,842+0.8%
401(K)$48,220$1,456+4.2%
Roth IRA$22,104$812+6.1%
Combined$101,522$4,110+3.5%
Accounts
3
Holdings
24
Ann. Income
$4,110
📡 Live Data Integration

Prices, dividends, and more — fetched automatically

Connect your own free API key from Polygon.io, Yahoo Finance, or Alpha Vantage. Refresh prices for all holdings at once, or auto-fill when adding new positions.

  • 🔄 One-click "Refresh All Prices" across your portfolio
  • 🤖 Auto-fill dividend rate, company name, and 52-week range
  • 📡 Fetch upcoming ex-div dates for all holdings via Polygon
  • 🆓 Polygon.io offers a free tier — no credit card required. Sign up at polygon.io and paste your key into Settings. The free plan includes stock prices, company data, and ex-dividend history — more than enough for personal portfolio tracking.
All Editions
📡 Live Prices — Data Sources
🔷
Polygon.io
Prices · Ex-div history · Company data · Free tier available
Recommended
Free tier ✓
🟣
Yahoo Finance
Delayed prices · No API key required
Free
🟢
Alpha Vantage
Daily prices · Annual dividend data
Free tier
🔍 Watchlist & Scoring

Track candidates before you buy

The Watchlist lets you track dividend stocks you're considering. Add your target buy price, annual dividend, frequency, and safety rating — then score them to prioritize your next purchase.

  • Safety ratings: Strong / Moderate / Speculative
  • 🧮 Sizing tool integrated — right-click any watchlist stock
  • 📡 Auto-fetch price and dividend from Polygon or Alpha Vantage
  • 📈 Consecutive years of dividend growth streak badge
All Editions
🔍 Watchlist
SymbolPriceAnn. DivYieldSafety
O $56.40 $3.17 5.62% Strong
VZ $41.20 $2.66 6.45% Moderate
JEPI $57.80 $5.28 9.13% Strong
T $18.50 $1.11 6.00% Speculative

Which edition is right for you?

Every edition is a single HTML file. No server required. Your data stays in your browser.

Feature 🌲 ProMost Popular ✨ Plus 🎯 Wheel 🌱 Starter
Portfolio
Holdings tracking
Unrealized gain / loss
Cost basis & lot tracking
Multi-portfolio accounts
All-Portfolios combined view
Notes per holding
Dividend Income
Income Summary (dashboard)
Dividend payment log
Ex-dividend events calendar
📡 Fetch upcoming ex-divs (Polygon)
Forward dividend calendar
Tax year income summary
Dividend cut alerts
Income tab (monthly breakdown)
Options & Cash
Options / Wheel tracking (CSP, CC)Optional
Smart symbol dropdown (from portfolio)Optional
YTD net premium on dashboardOptional
Cash management & collateralOptional
Roll campaigns (chained premium tracking)Optional
Tools & Analytics
DRIP compounding projector
Scenario Planner ("what if?")
Rebalancing assistant
Metrics & analysis tab
Position sizing tool
Transaction log
Watchlist
Watchlist tracking
Dividend safety ratings
Dividend growth streak badge
Retirement
401(k) contribution tracker
Pay period auto-fill + year navigation
SECURE 2.0 catch-up tiers (age 50–63)
Max-out projection analytics
Roth / Traditional IRA tracker (2026 limits)
Monte Carlo "live off dividends" projection
Planning, Reports & Extras
Annual dividend goal + progress bar
Dividend calendar heatmap (year grid)
Snowball visualizer (animated DRIP chart)
Dedicated 🧾 Taxes tab
Dividend tax estimate (qualified / ordinary / REIT / ROC)
ROC cost-basis tracking + excess-ROC taxation
60-day qualified-dividend holding check
Dividend data feed import (ROC % + tax class per payment)
Monthly report PDF export
Milestones & badges
Yield target alerts
Multi-currency display (10 currencies)
Data & Import/Export
Polygon.io integration
Yahoo Finance (no key)
Alpha Vantage integration
JSON backup import / export
CSV export
Brokerage import via Plaid

Questions

Is this really just one HTML file?
Yes — each edition is a single self-contained HTML file with all JavaScript, CSS, and logic embedded. Open it in Chrome, Firefox, Edge, or Safari. No installation, no server, no internet connection required (after the initial download). It works on Windows, Mac, and Linux.
Where is my data stored?
All your portfolio data is stored in your browser's localStorage — it never leaves your computer. There is no server, no account, and no sync. Use the Export feature (JSON backup) to save a copy of your data or move it to another device or browser.
Do I need a Polygon.io API key?
No — the app works fine without any API key. You can enter prices and dividend data manually. If you want to refresh prices automatically, you can connect a free Polygon.io key (generous free tier), a free Yahoo Finance connection (no key needed but unofficial), or a free Alpha Vantage key.
Can I upgrade from Starter to Pro later?
Yes. Export your data as a JSON backup from your current edition, then import it into Pro or Plus. Your holdings, dividends, watchlist, and settings all transfer over cleanly.
Can I use this on my phone or tablet?
Yes — the app is responsive and works on mobile browsers. The mobile layout adjusts tabs and cards for smaller screens. It works best on a tablet or desktop where you have more screen real estate, especially for the comparison tables and charts.
Which edition should I start with?
If you're a dividend investor with one brokerage account, start with Plus — it has all the core dividend features without the complexity of multi-portfolio management. If you sell options or run the wheel strategy, get the Wheel Edition. If you want everything — DRIP, scenario planning, rebalancing, and multi-account — get Pro. New investors can start with Starter and upgrade later.
Does Harvest Ledger track 401(k) and IRA contributions?
Yes — the Pro and Wheel editions include a dedicated Retirement Tracker tab covering three account types: 401(k), Roth IRA, and Traditional IRA, each with separate contributions and settings. You log contributions (and employer match for 401k) by pay period, navigate year-by-year history with correct IRS limits per year (2026: $24,500 for 401k, $7,500 for IRAs), and catch-up amounts apply automatically — 401(k): $8,000 at 50–59/64+ or $11,250 super catch-up at 60–63; IRA: $1,100 at 50+. An analytics card projects the date you'll max out.
How does Harvest Ledger handle dividend taxes?
The Pro and Plus editions include a dedicated 🧾 Taxes tab: a 1099-style Tax Year Summary (qualified / ordinary / REIT / return-of-capital by stock), a tax estimate at your chosen rates, return-of-capital cost-basis tracking (with excess ROC taxed once basis is exhausted), and an automatic 60-day holding-period check that keeps recently bought shares out of the qualified column until they actually qualify. You can even import per-distribution ROC percentages from a data file. Estimates only — your 1099 is the final word.

Start tracking your
dividend income today.

One file. No account. No subscription. Your data is yours.

🌱
Starter
$0.99
Buy Now
🎯
Wheel
$19.99
Buy Now
Plus
$29.99
Buy Now
BEST VALUE
🌲
Pro
$49.99
Buy Pro →

One-time purchase · No subscription · Instant download · Works offline