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Base Display Currency
All income is converted to this currency for display. Changing it resets FX rates to defaults.
FX Rates
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Choose a colour scheme. Applies instantly.
Dividend Lookup
Powers the 🔍 Lookup button in the Add Holding form. Sources are tried in priority order. All API keys are stored locally on this device only.
Priority 1 — Watchlist Spreadsheet
Upload an Excel/CSV watchlist. Tried first — fastest, no rate limits, no API key needed.
Advanced: Add a paid data source for higher reliability
Priority 2 — Twelve Data (US, EU, 70+ exchanges · 800/day free)
Priority 3 — EODHD (70+ exchanges · 20/day free)
Priority 4 — FMP (US/EU · 250/day free)
Priority 5 — Alpha Vantage (US · 25/day free)
Priority 6 — Polygon.io (US only · 5/min free)
Priority 7 — MarketStack (US free tier · 100/month)
Get free key → · Free tier is HTTP-only
Priority 8 (always-on fallback): Yahoo Finance via CORS proxies. Free, no key, but rate-limited and unreliable.
Tools We Use
These are referral links — sign up through them and you may qualify for a welcome bonus, while helping to support Income Refinery.
Interactive Brokers
Low-cost global access to stocks, REITs and bonds across 150+ markets.
moomoo
Polished mobile-first trading app with strong welcome incentives. Available in US, Singapore, Australia, Japan, Canada, Malaysia.
Average Monthly Passive Income
$0.00
Monthly Target
$
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Enter your income sources below
📅 Monthly Income Calendar
📈 Holdings
0
Enter any dividend stock, REIT, ETF, CEF, or fund from any exchange. Use Lookup to auto-fetch recent dividend data from Yahoo Finance — enter the ticker and select the exchange (e.g. SCHD on NYSE, or O on NYSE). Verify and adjust before saving.
🏠 Rental Properties
0
💡 Other Passive Income
0
Add any recurring passive income: fixed deposits, bonds, savings interest, P2P lending, royalties, digital products, annuities, CPF interest, business income, and more.