Dividend safety, tested
Know which dividends to trust.
The average dividend payer cuts about 1 in 5 times. The ones we rate high risk cut about 1 in 2. This page shows you the working.
The risk it catches
1 in 2
Holdings we rate high risk cut their dividend within a year. The average payer cuts about 1 in 5 times.
Cut within 12 months, measured on years the engine was never tuned on.
The income it protects
6 in 7
Holdings we rate low risk kept paying, through 2020 and 2024.
Proof, not promises
The worse the score, the more dividends got cut.
Every band, flattering and not. Checked against 4,184 real dividend cuts across 1,767 US and UK companies from 2015 to 2024, including a stretch the engine was never shown.
Under 40
40 to 59
60 to 79
80 to 89
90 and over
Every payer, for comparison
1 in 518%These are dividend-cut rates, not share-price forecasts. Measured on the years the engine was never taught from, so it cannot have marked its own homework.
We changed how a cut is counted in August 2026, and it moved these numbers in our favour, so here is why. The old method compared each dividend payment against the ones before it. That reads correctly for a company paying four equal amounts a year, and badly for most UK companies, which pay one small dividend and one large one. A company that never cut could look like it cut every year, and a company that stopped paying altogether could look untouched. We now compare a full year of dividends against the year before it. The score itself did not change. The question we ask of it did.
Why you can trust it
Marked on years it had never seen.
Anyone can look clever explaining the past. We split ten years of dividend history three ways, and a change only ships if it still works on the years it was never taught.
2015 to 2018
Where it learns
The engine studies what a dividend looks like before it gets cut.
2019 to 2023
Where it proves itself
Every change has to work here, on years it did not learn from.
2024
The final exam
Kept aside and never allowed to look at until the very end. If a change fails here, it does not ship.
What the score does not do
It flags the risk of a dividend being cut. It does not predict share prices, and it is not financial advice or a recommendation to buy or sell. It is a risk screen on the income you already own. See the full methodology and data.
It keeps testing itself
The score is never finished.
Week after week it tries small improvements on itself, marks each one against the years it was never taught, and throws away the ones that do not hold up. A person makes the final call before anything reaches your dashboard.
21
Ideas tried
0
Good enough to ship
So far none were good enough. That is the bar doing its job. We would rather ship nothing than ship a change that only looks good on the years it already knows.
On your dashboard
Every holding, scored.
Connect your broker or paste a CSV, and every holding gets a Risk score. The redder the pill, the more likely that income is to be cut. The shaky ones stand out without you going looking for them.
Holdings shown here are illustrations, not recommendations.
Questions, answered.
Is this financial advice?
No. The dividend-safety score is a risk screen on income you already own. It is not advice and not a recommendation to buy or sell. Always do your own research.
What data is the score built on?
Company fundamentals, cash flow and dividend history for US and UK large-cap dividend payers, going back to 2015. The proof numbers come from 4,184 real dividend cuts across 1,767 companies.
What does the score actually mean?
It ranks how likely a holding is to cut its dividend in the next year. Holdings scoring 90 and over cut about 1 in 2 times; holdings under 20, about 1 in 7.
How often does it update?
Scores refresh daily. The engine behind them keeps testing and improving itself, and only changes that beat a held-back 2024 test get promoted.
Is there a free option?
Yes. You get two free scores a day without an account, and the Pro trial runs 14 days with no card. It drops to the Free plan when it ends, nothing to cancel.
Which markets are covered?
US and UK large-cap dividend payers, with broker sync so you can score your real portfolio.
See which of your holdings are safe.
Score every holding you own and stop being surprised by a cut.
No card needed. Drops to the Free plan when it ends, nothing to cancel.