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Your Monthly Dividend Paycheck, Cut-Risk Shield & Ex-Date Radar

Track every month's passive income, find payouts under threat, fill empty dividend months, audit tax drag (IRS 2026), and share your Paycheck Flex Card.

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Loaded shared 5-stock portfolio (SCHD, VYM, O, MAIN, JEPI). Edit it below or save it to your own account.

2026 Tax Filter:

Portfolio value

$7,105

5 dividend stocks

Annual dividends

$286

$0.78/day passive cash

Monthly paycheck

$24

Range: $0–$46/mo

Portfolio yield

4.02%

forward dividend yield

Yield on cost

—

enter avg cost below

🛡️ Dividend Cut-Risk Shield

Income Safety: 100% Safe · 0% Borderline · 0% At Risk

🤖 AI Dividend Roast & Audit

Audit your portfolio across Safety, Smoothness, Diversification & Tax Drag

💵 Your Dividend Paycheck — Next 12 Months

$286/yr · $24/mo avg

Oct

$13

Nov

$46

Dec

$13

Jan

$12

Feb

$43

Mar

$13

Apr

$13

May

$46

Jun

$13

Jul

$13

Aug

$44

Sep

Announced (official ex-date declared)Estimated from last year's schedule at today's forward rate.

🗓️ Next 60 Days of Payouts

9 payments

Pay date	Stock	You get	Ex-date
Nov 5	JEPI	$3.46	Nov 2	est.
Nov 13	O	$5.43	Oct 30	✓
Nov 13	MAIN	$3.98	Nov 6	✓
Dec 3	JEPI	$3.71	Nov 30	est.
Dec 12	O	$4.97	Nov 27	est.
Dec 14	SCHD	$9.74	Dec 9	est.
Dec 15	MAIN	$3.98	Dec 8	✓
Dec 22	VYM	$18.95	Dec 18	est.
Dec 28	MAIN	$4.50	Dec 21	est.

🗓️ Paycheck Gap Filler

Smooth your lowest payout months: Oct, Feb, Aug

Your paycheck drops to ~$0 in low months vs ~$46 at peak. Adding quality payers that distribute in Oct, Feb, Aug eliminates income holes:

PG2.69% yield

The Procter & Gamble Company

Pays in: Feb, Aug

+$39/yr (~9 sh · $1,445)

VZ6.44% yield

Verizon Communications Inc.

Pays in: Feb, Aug

+$96/yr (~34 sh · $1,484)

T5.31% yield

AT&T Inc.

Pays in: Feb, Aug

+$80/yr (~72 sh · $1,506)

🎯 Dividend FIRE Tracker

Bills Paid by Your Dividends ($24/month)

0 of 8 bills covered

☕68%

Daily Coffee

$35/month

📱37%

Phone Bill

$65/month

🌐28%

Home Internet

$85/month

⚡15%

Electric Bill

$160/month

🚗10%

Car Insurance

$240/month

🛒5%

Groceries

$500/month

✈️3%

Vacation Fund

$900/month

🏠1%

Rent / Mortgage

$2000/month

Your Holdings (5 of 15)

Live 5Y yield valuation (undervalued radar), 2026 tax status, dividend safety checks & next ex-dates.

Stock	Shares · Avg Cost · DRIP	Value	Yield & Valuation	Annual Income	Yield on Cost	Next Payout
SCHDQUALIFIED Schwab U.S. Dividend Equity ETF	DRIP	$1,246	2.96% Fair Value (~3.10% 5Y avg yield)	$36.89	—	Dec 14 · $9.74 est.
VYMQUALIFIED Vanguard High Dividend Yield ETF	DRIP	$3,296	2.23% Priced Rich (-13% vs 2.55% 5Y avg yield)	$73.51	—	Dec 22 · $18.95 est.
OORDINARY Realty Income Corporation	DRIP	$1,144	5.67% Fair Value (~6.17% 5Y avg yield)	$64.90	—	Nov 13 · $5.43
MAINORDINARY Main Street Capital Corporation	DRIP	$839	7.75% Fair Value (~8.51% 5Y avg yield)	$64.95	—	Nov 13 · $3.98
JEPIORDINARY JPMorgan Equity Premium Income ETF	DRIP	$579	7.88% Priced Rich (-11% vs 8.87% 5Y avg yield)	$45.64	—	Nov 5 · $3.46 est.

📈 10-Year Compounding Snowball (DRIP vs Cash)

DRIP adds +$273/yr in extra dividend income

Your Current DRIP Settings

$24.4K

$786/yr in dividends

$65/mo in year 10

Reinvest 100% (All DRIP On)

$24.4K

$786/yr in dividends

$65/mo in year 10

Take Dividends as Cash (DRIP Off)

$17.1K

$513/yr in dividends

$43/mo in year 10

Based on each stock's 5-year price and dividend growth (capped at −10%…+15%/yr). Test custom DCA contributions in the DRIP Calculator →

⚡ Bulk Import — Paste from Fidelity, Schwab, Vanguard or IBKR

Copy your positions table or CSV export from your broker and paste it below — we automatically detect columns for Symbol, Quantity and Cost Basis. Or type one per line: SCHD, 120, 27.50.

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Prices and dividends from Financial Modeling Prep; amounts and dates can change before the ex-dividend date. Not financial advice. · Privacy · Advertiser Disclosure