# DividendMapper

> Free dividend portfolio tools and resilience scoring for UK and US investors. Track ISA, SIPP, GIA, 401(k), IRA and taxable holdings. Quality / Trim / Risk scores on every position. Retirement income and DCF (dividend-discount) calculators.

## Core pages

- [Homepage](https://dividendmapper.com/): What DividendMapper does, who it is for, and how the tier and broker integrations work.
- [Retirement Calculator](https://dividendmapper.com/tools/retirement-calculator): UK (ISA, SIPP, GIA) and US (401(k), IRA, Roth, brokerage) retirement income projections with Bear / Base / Bull scenarios.
- [DCF Calculator](https://dividendmapper.com/tools/dcf-calculator): Dividend Discount Model valuation (Gordon Growth and 2-stage DDM) tuned for income stocks.
- [Resilience Scoring](https://dividendmapper.com/scoring): Public Quality / Trim / Risk scoring pages per ticker, with methodology breakdown.
- [Pricing](https://dividendmapper.com/pricing): Free + Pro tiers. Pro lifts the 10-holding cap, scores every holding nightly, sends threshold alert emails, and ships broker sync in 2026.
- [Blog](https://dividendmapper.com/blog): UK dividend investing guides.

## Blog posts

- [PCA mid-year diagnostic: the 3-year carry-forward workflow, the MPAA interaction decision tree, and the spouse-attribution rules for DIY dividend-portfolio pre-retirees](https://dividendmapper.com/blog/pension-contribution-allowance-mid-year-diagnostic-uk-income-investors) (15 July 2026): A practical mid-year PCA diagnostic for UK DIY dividend pre-retirees: a 4-step 3-year carry-forward workflow (reconstruct prior contributions / compare to per-year PCA / sum unused PCA / confirm 5 April landing), a 4-node MPAA interaction decision tree (trigger event / post-trigger cap / pre-trigger PCA / carry-forward interaction), 4 spouse-attribution rules for doubling the household contribution capacity, and a 6-question mid-year diagnostic with composite illustrative arithmetic for Sarah / James / Helen-and-Tom.
- [UK dividend cash-arrival smoothing calendar: how to turn uneven dividend payments into a monthly retirement budget](https://dividendmapper.com/blog/uk-dividend-cash-arrival-smoothing-calendar-uk-income-investors) (15 July 2026): A practical cash-flow smoothing calendar for UK DIY dividend retirees: a 4-step 12-month smoothing calculator (list payment months / estimate gross cash / build the cash-arrival grid / size the reserve from the deepest cumulative deficit), a 3-node 6/12/24-month horizon decision tree, a per-holding interim-vs-final concentration diagnostic with interim-share formula (interim / (interim + final)), a 5-column spreadsheet template, and a one-page decision record with composite illustrative arithmetic for Margaret's 22-holding FTSE 100/250 portfolio.
- [FTSE 100 mid-year dividend safety recheck protocol: the 4-question interim-results re-validation workflow, the per-archetype band recheck, and the 6-step annual review cadence for UK DIY dividend investors](https://dividendmapper.com/blog/ftse-100-mid-year-dividend-safety-recheck-protocol-uk-income-investors) (14 July 2026): A practical mid-year safety-recheck protocol for UK DIY dividend investors: a 4-question interim-results re-validation workflow (DPS reaffirmation / cover-ratio consistency / special-dividend-buyback-scrip signals / dividend-policy language shift), a per-archetype band recheck across banks / utilities / REITs / consumer staples / miners, a 6-step annual review cadence, and a 7-column spreadsheet template a UK DIY dividend investor can copy into Google Sheets or Excel.
- [Privacy-first dividend tracker workflow for UK investors: spreadsheet, broker export, broker-linked, or client-side across ISA, SIPP, and GIA](https://dividendmapper.com/blog/privacy-first-dividend-tracker-isa-sipp-gia-uk-investors) (12 July 2026): A privacy-first decision framework for UK DIY dividend investors choosing a dividend tracker across ISA, SIPP, and GIA: comparing 4 tracker workflows (spreadsheet-first, broker export, broker-linked, and client-side) with a 7-question selection checklist, a worked example, and a recommendation matrix by investor profile.
- [Dividend yield vs total return: what UK investors should really focus on](https://dividendmapper.com/blog/dividend-yield-vs-total-return-uk-investors) (27 June 2026): Dividend yield vs total return for UK investors: a total-return framework, income-and-capital split, and the supporting dividend tracker, yield, growth, and safety lenses that put a single number in context.
- [Dividend tracker spreadsheet for UK investors: what to track in ISA, SIPP, and GIA](https://dividendmapper.com/blog/dividend-tracker-spreadsheet-uk-investors) (26 June 2026): Build a dividend tracker spreadsheet for UK investors: the core fields to capture, how to split ISA, SIPP, and GIA tabs, and the threshold where a UK dividend tracker on paper stops being enough.
- [Best UK dividend stocks for income: a practical screening framework for 2026/27](https://dividendmapper.com/blog/best-uk-dividend-stocks-income-investors) (26 June 2026): A UK dividend stock screening framework for income investors, covering yield-range sanity checks, payout and dividend-cover sustainability filters, dividend-growth record, valuation, sector concentration, and a worked 12-name example that ends in a balanced shortlist rather than a tip sheet.
- [Dividend income calculator UK: how much do you need for your target passive income?](https://dividendmapper.com/blog/dividend-income-calculator-uk-income-tax) (25 June 2026): A practical UK dividend income calculator walk-through showing the required-portfolio formula across 3% to 6% yields, a worked 1,000-a-month example, and the ISA, SIPP, GIA wrapper and platform-fee friction that changes the real answer.
- [Dividend growth vs high-yield: which UK income strategy fits your plan](https://dividendmapper.com/blog/dividend-growth-vs-high-yield-uk-income-investors) (24 June 2026): A practical comparison of dividend growth (lower initial yield, compounding over time) vs high-yield (higher current income, more risk) for UK investors, with worked scenarios, the barbell approach, and wrapper-specific tax considerations.
- [Dividend tax efficiency across ISA, SIPP, and GIA: the complete UK comparison](https://dividendmapper.com/blog/dividend-tax-efficiency-isa-sipp-gia-uk-comparison) (23 June 2026): A practical UK comparison showing what £10,000 of annual dividends looks like in an ISA, a SIPP, and a GIA, including the 2026/27 tax arithmetic, wrapper trade-offs, and retirement spending-order implications.
- [Build a UK dividend portfolio from scratch: a step-by-step beginner guide](https://dividendmapper.com/blog/build-dividend-portfolio-uk-step-by-step) (23 June 2026): A step-by-step guide for UK beginners on building a dividend portfolio from scratch, covering wrapper choice, platform fees, diversification, dividend safety, and how to track income like an income system.
- [REITs for UK income investors: tax, yield, and what to watch for](https://dividendmapper.com/blog/reits-uk-income-investors-tax-guide) (22 June 2026): A practical UK guide to REIT dividends: how property income distributions are taxed differently from equity dividends, why the ISA or SIPP wrapper decision is critical, the three REIT sectors and their risk profiles, and the five metrics that actually measure REIT dividend safety.
- [How I Transferred My Workplace Pension Into the Trading 212 SIPP](https://dividendmapper.com/blog/transfer-workplace-pension-to-trading-212-sipp) (20 June 2026): A first-hand walkthrough of moving a £7,350 Aviva workplace pension into the Trading 212 SIPP: what the app journey looks like, the watch-outs that catch people, and when it is still the right call.
- [Sharesight added UK tax settings. Here's what UK dividend investors should still check.](https://dividendmapper.com/blog/sharesight-june-2026-uk-tax-settings) (20 June 2026): Sharesight's June 2026 update adds UK-specific tax settings. Useful move. But UK dividend investors still need to verify DRP handling, wrapper context, and what a tax report does not tell you.
- [Sharesight's AI importer makes setup easier. UK dividend investors should still check these 4 things.](https://dividendmapper.com/blog/sharesight-ai-importer-uk-dividend-investors) (20 June 2026): Sharesight's June 2026 AI importer removes a lot of setup friction. Useful move. But UK dividend investors still need to check wrapper context, dividend confirmation, DRP handling and the gap between tracking and income planning.
- [Dividend safety score: how to tell if a UK dividend stock is truly sustainable](https://dividendmapper.com/blog/dividend-safety-score-uk-income-investors) (19 June 2026): A practical framework for evaluating whether a UK dividend stock's payout is sustainable using payout ratio, dividend cover, free cash flow support, leverage, and sector context.
- [HMRC's June ISA update is niche. If you hold dividend shares, these are the 4 bits worth caring about.](https://dividendmapper.com/blog/hmrc-june-2026-isa-update-dividend-investors) (19 June 2026): HMRC's June 2026 ISA newsletter confirms cETNs move to IFISAs for new money and LTAFs qualify for stocks and shares ISAs. The bigger lesson for UK dividend investors: wrapper boundaries are real, they move, and knowing the split between grandfathered and open positions matters more than the niche assets themselves.
- [UK dividend-investing platform fees: an ISA, SIPP, and GIA cost comparison for £10k, £50k, and £100k portfolios](https://dividendmapper.com/blog/uk-platform-fees-comparison) (18 June 2026): A practical cost comparison of UK investment platform fees for dividend investors, covering percentage vs fixed-fee pricing, crossover points at £10k/£50k/£100k+ portfolio sizes, dividend-specific costs, and a switching break-even framework.
- [Dividend income in retirement: tax and planning for UK investors](https://dividendmapper.com/blog/dividend-income-retirement-tax-planning-uk-investors) (17 June 2026): A practical guide to how retirement changes UK dividend tax rules, covering the personal allowance taper, the £500 dividend allowance, state pension interaction, and the tax-efficient GIA-to-SIPP-to-ISA withdrawal order.
- [DCF vs DDM for UK income investors: what valuation models actually tell you](https://dividendmapper.com/blog/dcf-ddm-valuation-uk-income-investors) (16 June 2026): A practical guide on when to use DCF vs DDM for UK dividend stocks, how sensitive the outputs are to your assumptions, and how valuation fits in a real income strategy.
- [Portfolio tracking for dividend income: a UK investor's practical guide](https://dividendmapper.com/blog/portfolio-tracking-dividend-income-uk-investors) (16 June 2026): Portfolio tracking for UK dividend income: how yield on cost, dividend-growth tracking, and income rebalancing combine into a dividend tracker workflow that projects retirement income from your actual holdings.
- [What is a dividend tracker, and does every UK income investor need one?](https://dividendmapper.com/blog/dividend-tracker-guide-uk-income-investors) (15 June 2026): A practical UK dividend tracker guide: what a dividend tracker does, when a free spreadsheet is enough, and when a dedicated tracker tool earns its place in an ISA, SIPP, or GIA wrapper mix.
- [Retirement Income Calculator Guide: What Your Dividend Portfolio Could Pay](https://dividendmapper.com/blog/retirement-income-calculator-guide) (13 June 2026): A practical UK guide to the retirement income calculator: what the Bear, Base and Bull scenarios mean, how yield and wrapper choices change your post-tax picture, and how to use projections in your dividend planning.
- [Why headline yield can be misleading](https://dividendmapper.com/blog/why-headline-yield-can-be-misleading) (5 June 2026): A practical guide for UK dividend investors on the difference between a high quoted yield and income that is actually likely to hold up.
- [Sharesight vs DividendMapper: what UK income investors actually need](https://dividendmapper.com/blog/sharesight-vs-dividendmapper-uk-income-investors) (4 June 2026): A straight comparison for UK dividend investors: where Sharesight is strong, where DividendMapper is different, and when you might use one, both, or neither.
- [ISA vs SIPP for Dividend Investors: What Actually Changes in Practice](https://dividendmapper.com/blog/isa-vs-sipp-dividend-investors) (31 May 2026): A practical UK guide to when an ISA beats a SIPP, when a SIPP beats an ISA, and how dividend investors should think about tax relief, access and wrapper mix.
- [UK Dividend Tax Guide 2026/27](https://dividendmapper.com/blog/uk-dividend-tax-guide) (10 May 2026): What you actually pay on UK dividends in 2026/27. Allowance, rates, ISA and SIPP shielding, and worked examples for the gap year.
- [Trading 212 SIPP Review 2026: First Look](https://dividendmapper.com/blog/trading-212-sipp-review) (10 May 2026): First look at the Trading 212 SIPP, freshly approved by the FCA in February 2026. Fee structure, the Gaudi operator fee most reviews skip, what's missing, and where it sits vs HL and AJ Bell.

## About the data

DividendMapper publishes original resilience scores combining payout ratio, dividend cover, free cash flow, leverage, earnings revisions, and a no-dividend-cut history check. Methodology is documented and weights are tuned monthly. Scores are informational, not financial advice.