The free plan shows you where you are. Pro shows you when you'll be done — a forecast date, not just a direction. Unlimited holdings, a three-scenario projection engine, Dividend Health alerts, and Excel export. $49 once, yours forever.
The tools you're probably already comparing Income Refinery against are subscription products. Every month you use them is another month you pay. Run the numbers.
Prices approximate. Check current rates at each provider.
Unlike subscription-based dividend trackers such as Snowball Analytics, Simply Safe Dividends, or Seeking Alpha Premium, Income Refinery Pro charges a single one-time fee — no recurring costs, no cloud accounts, no data leaving your browser. It is also the only tracker that combines dividend income, rental income, and other passive income streams in one unified dashboard.
Charging you monthly to track your journey to financial freedom is absurd.
The free plan caps you at 10 dividend holdings, 1 rental property, and 3 other income streams. If you've crossed any of those lines — or you're getting close — you're already looking at a partial picture of your income every time you open it. You're either omitting real positions, or you've quietly stopped adding them.
Most serious income investors hit the holding cap within their first year. At that point, your tracker stops being a full view and becomes a curated one. The monthly income figure you're trusting is understated. And if it's understated, so is your FI date estimate.
That's the moment Pro pays for itself: the first time you see your real monthly number — and what it means for your financial independence date.
See your full portfolio in Pro →"When will my income replace my salary?" Everything in Pro exists to help you answer that with precision, not guesswork.
A full-screen projection view that gives you a date, not just a direction. Three scenarios — Conservative, Base, Optimistic — plotted across up to 30 years, with break-even markers, FIRE tier lines, and a year-by-year income table. Adjust contributions, yield, DPU growth, and a reinvest distributions toggle, and watch your FI date move in real time. The free plan tells you where you are. This tells you when you'll be done.
Analysing up to 8 recent payment events per holding, Pro classifies every position as ▼ Cut, ► Stable, or ▲ Growing — and surfaces anything alarming in a Health Panel at the top of your dashboard. You'll know about a slashed dividend the moment you open the app, not when your bank statement arrives next month.
Before you commit capital, see exactly what it buys you in monthly income. The Capital Deployment scenario lets you invest a lump sum at a stated yield and see the income lift instantly. The Distribution Change scenario applies a ±% across every holding to model rate cuts or dividend hikes. Both show the combined impact on your FI date — before vs after.
🌿 Lean FI, 🎯 FI, 💎 Fat FI, 🏄 Coast FI — the four markers every FIRE investor tracks — displayed as a live strip that updates every time your income, target, or assumptions change. Each tile shows the income required and the lump-sum gap remaining. The moment you hit a milestone, you'll see it. In real time.
Pro captures a point-in-time portfolio snapshot each month — monthly income and portfolio value in one record. A built-in monthly capture reminder prompts you so the habit forms itself. The Income Over Time chart plots every snapshot as a continuous line, so instead of just seeing where you are today, you can see the full arc of your income growth: how much you earned six months ago, a year ago, the month you started. An inflation-adjusted toggle shows real purchasing-power progress. An optional portfolio value overlay lets you track both income and capital together. For the income investor who thinks in decades, seeing the trajectory is as motivating as seeing the number.
Holdings, properties, income streams — no limits. Track everything you own in one dashboard, exactly as it is, not as the free plan allows it to be.
A polished six-sheet workbook: Summary dashboard, Holdings, Property, Other Income, 12-month Calendar, and live FX Rates — ready for Excel, Numbers, or Google Sheets.
One-click export of your entire portfolio. Restore on any device with a Pro copy. Sync via Google Drive or Dropbox — your data, your rules.
Switch between card and compact sortable table. Click any column to sort — Name, DPU, Units, Annual Income, % of total, Yield on Cost, Trend. Essential past 20 positions.
Enter cost per unit for Yield on Cost. Enter purchase price on properties for Net Rental Yield. Blended portfolio yields update automatically across every section.
Change the dashboard title and logo to anything you want — your name, your portfolio nickname, your family office. Your dashboard, your identity.
200-character notes on every holding, property, and income stream. Broker, tax wrapper, maturity date — whatever matters. Included in all exports.
Your own watchlist upload, plus 7 API providers. Bring your own keys — they stay on your device. Switch provider any time.
Both themes hand-tuned for contrast and readability. Custom branding carries across both. Print-friendly export works in either mode.
A couple of years ago I started rebuilding my finances around income rather than growth. I tracked everything in spreadsheets. Then I found the tools — and none of them did what I needed. They tracked dividends or rent or side income, but never all three together. And not one of them answered the only question I actually cared about: when would this number be big enough that work becomes optional?
I built the free version because I needed it myself. I built Pro because I needed to stop estimating and start knowing. The forecast engine isn't a feature I added — it's the reason Pro exists.
Both versions share the same interface and core tracking features. Pro adds analytical depth — and removes every cap.
| Feature | Free | Pro |
|---|---|---|
| Capacity | ||
| Stock / REIT / Fund holdings | Up to 10 | Unlimited |
| Rental properties | Up to 1 | Unlimited |
| Other income streams | Up to 3 | Unlimited |
| Analytics | ||
| Forecast & Projection Engine | — | ✓Pro |
| What-If Scenario Modeller | — | ✓Pro |
| FI Milestones Strip (Lean / FI / Fat / Coast) | — | ✓Pro |
| Dividend Health Panel | — | ✓Pro |
| Yield on Cost per holding | — | ✓Pro |
| Net Rental Yield per property | — | ✓Pro |
| Income Over Time chart + Portfolio Snapshots | — | ✓Pro |
| Snapshot CSV export | — | ✓Pro |
| Backup & Export | ||
| JSON backup & restore | — | ✓Pro |
| Excel multi-sheet export | — | ✓Pro |
| Display & Personalisation | ||
| Table view (sortable) | — | ✓Pro |
| Per-item notes | — | ✓Pro |
| Custom branding | — | ✓Pro |
| Core (in both) | ||
| Monthly income calendar | ✓ | ✓ |
| Share your progress card (PNG · social media) | ✓ | ✓ + growth % & watermark |
| 30 global exchanges, multi-currency | ✓ | ✓ |
| FI target progress bar | ✓ | ✓ |
| Runs 100% in browser · no servers | ✓ | ✓ |
No accounts, no app stores, no waiting. Pay, download, open. That's it.
Stripe-powered checkout via Lemon Squeezy. All major cards, PayPal, Apple Pay. Local taxes handled automatically.
Instant download of your watermarked income_refinery_pro.html — also emailed for safekeeping.
A single file. Google Drive, Dropbox, iCloud, USB, every laptop you own. Use it on all of them.
Double-click. Yours forever. Data stays in localStorage — never on a server, never visible to anyone but you.
From dividend portfolio builders to FIRE chasers to property investors — Pro fits the way serious income investors actually work.
[ PLACEHOLDER QUOTES — replace with real testimonials before going live ]
"I was hitting the 10-holding cap and manually tracking the rest in a spreadsheet alongside it. Pro fixed that the same day I bought it. The forecast chart showing my FI date is something I open every morning."
"I'd been estimating my FI date in my head for two years. The What-If modeller showed me I was 14 months off in my assumptions. I corrected my allocation the next day."
"Finally a tool that combines my REIT dividends and actual rental income in one number. The blended view across all three income types is exactly what I'd been trying to build in Excel for years."
A tool that tracks your path to financial independence shouldn't make you dependent on it.
$49 once. No subscription. No renewal emails. No price hikes. Income investors shouldn't pay recurring fees to their tools.
Everything lives on your device. Your holdings, figures, goals — none of it ever leaves your browser. We have no servers that could see it.
It's a single HTML file. Save it forever. We could vanish tomorrow and your dashboard would still open and still work.
Try Pro for two weeks. If it's not a clear upgrade over the free version, email us — full refund, no questions asked.
income_refinery_pro.html — via a secure download link (and by email as a backup). No installer, no app store, no admin permissions. Double-click it and your browser opens it like a web page, except all your data is saved locally. It runs identically on Mac, Windows, Linux, iPad, and Android.One payment. Unlimited holdings. A forecast engine that gives you a date, not a direction. Your data stays on your device. Your file stays on your hard drive. Forever.
Get Income Refinery Pro — $49 or start with the free version first →One-time payment · 14-day refund · Watermarked to you · Yours forever