Free Tool
Dividend Portfolio Analyzer
Enter your tickers and share counts to instantly see your total annual dividend income, weighted yield, safety score, and concentration risk. No account required.
| Ticker | Shares | |
|---|---|---|
What this tool calculates
Enter any combination of dividend-paying stocks and ETFs. For each ticker, the analyzer pulls live dividend data from our database — including the annualized dividend rate, yield, and a DARS safety score (0–10) — and computes:
- Annual income per position — Dividend rate ($/share) × your share count. This is real projected cash, not a percentage estimate.
- Total portfolio income — The sum across all positions, giving you a single number for annual dividend income.
- Weighted yield — Total income divided by total invested value, expressed as a percentage. More accurate than a simple average because it weights each position by actual capital deployed.
- Weighted safety score— Each holding’s 0–10 safety score weighted by how much income it contributes. High-income positions have more influence on the overall score.
- Concentration risk warning — If any single position generates more than 30% of your total income, the analyzer flags it. Income concentration in one ticker is a common hidden risk in dividend portfolios.
How to read your results
The summary strip shows your four key metrics at a glance. Below that, the holdings table is sorted by annual income descending — your largest income contributors are at the top. Each row includes the ticker’s safety band (Strong / Solid / Mixed / Weak / Risky) to help you spot high-income positions that may also carry elevated dividend cut risk.
Understanding dividend safety scores
Every ticker in the analyzer is scored on the DARS (Dividend and Risk Score) — a 0–10 scale built from five factors:
- Yield zone — Yields above 7% historically carry elevated cut risk. Very high yields often signal stress or structural distributions (covered-call ETFs, mREITs).
- Payout ratio — How much of earnings the company pays as dividends. Lower is safer; ETFs get partial credit because their payout is dictated by underlying holdings.
- Yield trend vs 5-year average — Current yield far above the 5-year average can mean the price has dropped, which is often a stress signal.
- Instrument type — ETFs have built-in diversification, so single-name dividend cuts have limited impact on the fund.
- Size and scale — Larger market cap or AUM means more stable cash flows and more room to sustain dividends during downturns.
Scores of 8–10 are Strong, 6.5–8 are Solid, 5–6.5 are Mixed, 3.5–5 are Weak, and below 3.5 are Risky.
Common portfolio patterns and what to do about them
- High yield, low safety score — A weighted yield above 7% combined with a Mixed or lower safety score suggests your income is concentrated in riskier payers. Consider blending in Solid-rated ETFs like SCHD or VYM to stabilize the portfolio.
- Low yield, high safety — Typical of growth-tilted dividend portfolios (JNJ, MSFT, etc.). These positions contribute less current income but tend to grow dividends steadily.
- Single-position concentration — If one ticker generates more than 30% of income, a dividend cut there meaningfully impacts your cash flow. Diversifying to 8–12 positions typically reduces this risk without sacrificing much yield.
Frequently asked questions
Is the portfolio analyzer free?
Yes, completely free. No account required. Enter tickers and share counts and get instant dividend income and safety analysis.
What data does the analyzer use?
Live dividend yields and safety scores from our database, updated daily from public filings and market data.
How is the weighted safety score calculated?
We compute a safety score (0-10) for each holding, then weight it by each position's annual dividend income. Higher-income positions influence the overall score more.
What is the difference between the free analyzer and the full app?
The free analyzer uses your manual inputs. The full app connects to your real brokerage via Plaid, tracks changes automatically, sends safety alerts when a dividend is at risk, and models tax scenarios across account types.
Related tools
- DRIP Calculator — model how dividend reinvestment compounds your portfolio over time
- Dividend Yield Calculator — estimate income from a single holding
- Dividend Growth Calculator — project how growing dividends build future income
- Dividend Screener — browse 190+ tickers ranked by safety score and yield
- Free Dividend Tracker App — connect your real brokerage and automate all of this