DividendMapperKnow when you can retire on your dividends.
Free dividend tracker and retirement calculator for UK and US dividend investors. Built around ISA, SIPP and GIA accounts, modelled properly, not bolted on.
- Free tier, no card required
- UK and US tax wrappers built in
- Backtested across 4,680 US + UK dividend observations
Tools that show their work.
Retirement calculators give you a single number and call it confidence. Stock screeners pretend tax wrappers don’t exist. We made one tool that handles both, properly.
Three scenarios, weighted
Bear, Base and Bull projections plus a 25/50/25 weighted average. One number is comforting, but a range is honest, and a 30-year projection has a wide one.
UK and US, properly
ISA, SIPP and GIA on the UK side. 401(k), IRA, Roth and Brokerage on the US side. The flag toggle in the header flips every label, currency and contribution limit at once.
A DCF that fits dividend stocks
The DCF tab runs a Dividend Discount Model: Gordon Growth or 2-stage DDM. It values a stock by what it actually pays you, with a sensitivity table that shows how growth and discount rate shift the answer.
When the math breaks, we say so
If a sensitivity cell can’t be solved (growth ≥ discount), it shows “—” instead of NaN. Every output cites the assumption behind it. We don’t pretend a 30-year forecast is precise to the pound.
Calculators stay in your browser
Calculator inputs never leave the page. No account, no analytics on your numbers, no “send us your portfolio.” Signed-in portfolio tracking is opt-in and lives behind your own login.
Roadmap on the table
Calculators landed in Phase 1. Portfolio tracking and the Pro tier are live in Phase 2. Trading 212 sync follows in Phase 3, US brokers via SnapTrade in Phase 4. Dates and order, on one page.
Proof, not promises.
We backtested the Quality, Trim and Reinvest scoring across 4,680 monthly observations of US and UK dividend payers (2010 to 2024). Every number below is reproducible from the repo.
Quality score
2.5x
Top-quartile Quality names returned +4.87% over the next 3 months vs +1.97% for the bottom quartile (1,105 observations). Used as a resilience screen on what you already own, not a market-timing buy signal.
Trim score
2.8x
Least-stretched Trim bucket returned +7.04% over the next 3 months vs +2.49% baseline. Most-stretched UK bucket went negative (-0.9%, 140 UK obs). Used as a contribution brake, not a sell signal.
Reinvest Recommender
£73k
Pro Quality-weighted contributions finished at £560,000 over 15 years vs £487,000 equal-weight. £80,000 start, £400/mo, 13-stock US basket. Microsoft did most of the heavy lifting; different basket, different headline.
28-ticker basket. 2010 to 2024 is a US large-cap growth supercycle: different basket, different period, different headline. Survivorship bias real. Methodology and CSVs published; reproduce with npm run analyst:event-study.
How it works
Three steps, no signup, free forever.
- 1
Pick your locale
Tap the UK or US flag at the top. Currency, tax wrappers, contribution limits and pension defaults flip to match your country.
- 2
Enter your numbers
Defaults are sensible; tweak the sliders to match your own situation. Portfolio value, monthly contribution, expected return, dividend yield, target retirement income. Outputs recompute as you slide.
- 3
See the range
Every projection runs three scenarios (Bear, Base, Bull) plus a weighted average. You see how sensitive the answer is to your assumptions, not just a single confident number.
Frequently asked questions
- Is DividendMapper free?
- Calculators are free forever. No signup, no credit card. Pro is £15 a month for unlimited holdings and projected income; the Free tier keeps up to 10 manual holdings. Broker auto-sync lands in Phase 3.
- Do I need an account to use the calculators?
- No. The calculators run in your browser; nothing is sent anywhere. Sign-in is now live for the portfolio side: add holdings by hand, see real projected dividend income, keep your numbers across visits. Calculators stay anonymous.
- UK or US, which is the focus?
- Both. The toggle in the header flips every label, currency and tax wrapper. ISA, SIPP and GIA on the UK side; 401(k), IRA, Roth and Brokerage on the US side. UK is the default for new visitors, and we also auto-detect from your browser language.
- How is the Dividend DCF different from a regular DCF?
- It is a Dividend Discount Model (DDM), the species of DCF designed for income stocks. You value the stock by discounting its future dividends instead of its free cash flow. The math is the Gordon Growth Model and a 2-stage DDM, with an in-tool tooltip explaining the difference.
- What broker integrations are coming?
- Trading 212 first, in Phase 3 (around Month 4), covering UK ISA, SIPP and GIA in one connection. Schwab, Fidelity, Robinhood, Vanguard US and Interactive Brokers follow in Phase 4 through SnapTrade. We skipped Plaid; their $500-a-month minimum doesn’t fit a low-priced consumer product.
- Is this financial advice?
- No. The calculators are illustrative. They use the numbers you put in, but they don’t know your full circumstances, won’t model inflation or sequence-of-returns risk, and can’t predict tax changes. Talk to a qualified adviser before making investment decisions.
Start tracking your dividends.
Free, no card. Up to 10 holdings on the Free tier, or upgrade to Pro for weekly Buy, Trim and Risk scores on every position.