Dependable Income Investing LogoDEPENDABLE INCOME INVESTING
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KnowledgeReviewsCompareToolsBlogAppTry the App
Couple enjoying retirement by the Seine with the Eiffel TowerFor The Self-Directed Investor

Retire early with...
Monthly Income for Life

Create higher income with lower risk. Discover how to generate sustainable
income for retirement with easy-to-use, time-saving tools.

Compare Income Funds - Free!Income Fund Reviews
US & Canada

Empowering DIY Investors

Plant it once. Harvest income for life.

Watch what dependable dividend funds grow into

$240/month
Start Growing Your Income →
The Income Engine

Everything you need to power your retirement

Analyze, select, and track the funds that pay you every month.

Income Fund Analysis

Compare high-quality dividend funds and save time with our unique fund report cards and selection tools.

Explore Tools →

Investment Strategies

Discover how to generate sustainable, predictable income while maintaining lower overall portfolio risk.

Read Principles →

Portfolio Tracking

Easily manage multiple portfolios, calculate expected income, and confidently decide on future purchases.

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Who We Help

From Worry to Resolution

Retirement investing isn't just about making your money last — it's about making your money work so you can truly live.

The Worry

"I'm worried my hard-earned money won't last through retirement."

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The Resolution

Build a dependable income stream that covers expenses without tapping into principal.

The Worry

"Every dip in the market makes me feel like I've lost years of savings."

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The Resolution

Shift focus from unpredictable stock prices to reliable dividend distributions.

The Worry

"I can't believe how little my savings are earning in low-yield investments."

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The Resolution

Discover high-quality funds that yield significantly better than traditional fixed income.

The Worry

"I want peace of mind knowing I can cover my expenses every month."

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The Resolution

Track expected income accurately to plan life on your own terms.

The Worry

"I want to see my investments grow with inflation, not just provide a paycheck."

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The Resolution

Target funds with a history of increasing distributions over time.

The Worry

"I feel overwhelmed trying to do this myself without paying huge advisor fees."

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The Resolution

Utilize institutional-grade tools built specifically for the DIY retail investor.

The Simple, Proven 3-Step Plan to Dependable Monthly Income

STEP 1
Research
→
STEP 2
Build
→
STEP 3
Manage
1
STEP 1 · RESEARCH

Find the best funds to achieve your income goals

In this step, you'll use powerful research tools to quickly identify high-quality income funds and uncover the best opportunities for your portfolio, including:

DISCOVER

Search more than 2,300 income funds available in North America, and instantly narrow down your options into a personalized shortlist that matches your exact criteria.

FUND PICKER & FUND REVIEW

Like your own personal fund consultant, these tools help you quickly identify the funds most aligned with your specific goals. Compare strengths, weaknesses, and potential red flags across 13 key categories.

COMPARE & PERFORMANCE

See how funds have performed over time—including annual income, share-price growth, and total returns—so you can quickly identify which ones you want in your portfolio.

Review Funds ratings screen
UNIQUE DEPENDABILITY SCORE

Instantly identify which funds are most likely to pay you reliably — an exclusive metric you won't find anywhere else. The Dependability Score rates every fund from 0–100% based on six weighted factors, including yield stability, volatility, and capital history. This is an especially valuable feature for investors in retirement or living off their monthly income.

2
STEP 2 · BUILD

Test your ideas and know your portfolio works, BEFORE you invest

In this step, you'll use powerful planning tools to build, test, and refine your portfolio ideas—helping you invest with confidence before risking a single dollar.

Plan tool — portfolio allocation and diversification breakdown
PLAN WORKSHEET

Build your portfolio using different funds, budgets, and allocations—or choose from one of our pre-built templates. Instantly estimate your future income and test different scenarios before investing real money.

REINVEST TOOL

Take the guesswork out of reinvesting your income. Instantly identify the best opportunities within your portfolio and calculate exactly what to buy or sell—without relying on spreadsheets, or complicated math.

TEST PORTFOLIOS

Save your portfolio ideas and track them "on paper" before investing. Monitor income, performance, and portfolio growth over time so you feel confident in your strategy before putting your money to work.

3
STEP 3 · MANAGE

Track your income and optimize your portfolio for maximum profits.

In the last step, you'll be using powerful management tools designed to help you track your income, stay organized, and optimize your portfolio in just a few clicks.

PORTFOLIO MANAGER

Track your monthly income, portfolio value, and fund performance from one easy-to-use dashboard. See the metrics that matter most to income investors—all in one place.

DIVERSIFICATION TOOLS

See exactly how diversified any fund—or your entire portfolio—is with the push of a button. Easily identify concentration risks and maintain a healthy balance across sectors and geographic regions.

TARGET TOOLS

Stay on track to reach your income goals. Instantly identify where your portfolio may be out of balance and see exactly what adjustments are needed—all with the push of a button.

Man confidently managing his income portfolio
MULTI-ACCOUNT VIEW

Manage multiple portfolios and investment accounts with ease. View each account separately or combine them into a single view for a complete picture of your investments and total income.

No matter where you are in your investing journey, this proven 3-step process helps you invest with greater confidence and competence—making it simpler to create the dependable income and financial freedom you desire.

Start Growing Your Income →
Portrait of S. Crane, Dependable Income App user
S. CraneTillsonburg, Ontario

"I learned about income investing a year ago and what a difference it's made. It's just fantastic to have predictable monthly income I can count on in retirement. The app has made this so easy to build a great portfolio and I love that it works so easily with Questrade. This has been worth every penny!"

Portrait of S. Bruce, Dependable Income App user
S. BruceSeattle, Washington

"Thank you so much for your generosity around the Dependable Income App. So truly, thank you for being a part of this transformational journey. I am excited about the possibilities and truly grateful for the app that you've brilliantly created."

Portrait of J. Cook, Dependable Income App user
J. CookAlert Bay, British Columbia

"As someone new to income investing, this app is a game changer! I love being able to build and adjust a portfolio in real time, see projected income, and track how different fund percentages perform before investing real money."

Portrait of D. Giesy, Dependable Income App user
D. GiesyMount Vernon, Washington

"The app is brilliant! I've used it to find and analyze some fantastic income funds I wouldn't have found otherwise. The portfolio manager is incredible, and being able to see “sustainability ratios” of different funds at a glance is especially helpful for people like me who look forward to living off the income in my portfolio."

Portrait of R. Savino, Dependable Income App user
R. SavinoBrea, California

"My husband and I recently learned about income investing, and we love this approach. We've been moving more of our investments into these funds, and this app has made this process so much easier."
Got Questions?

Frequently Asked Questions

By building a portfolio of dependable dividend funds, you can generate reliable income that covers your living expenses without drawing down your principal — so your savings stay intact for the long term.
Yes. Dependable Income Investing provides institutional-grade tools purpose-built for the DIY investor — fund grading, performance comparison, portfolio tracking, and income planning — so you can make confident decisions independently.
High-quality income ETFs and dividend funds can yield significantly more than traditional fixed income while maintaining a lower-risk profile. Our tools help you find and compare the best options for your situation.
The Dependable Income Investing app lets you track expected income across multiple portfolios so you know precisely what's coming in each month and can plan your lifestyle with confidence.

A dividend tracker app helps you monitor dividend payments from investments you already hold. An income investing platform like Dependable Income Investing additionally helps you find, evaluate, and select income-generating investments before you buy or when making portfolio changes — scoring funds on income quality, sustainability, and risk.

It also provides a full set of tools to plan your investing and manage portfolio creation, ongoing tracking, and reinvesting tasks.

The sustainability ratio is a powerful and unique feature that shows, at a glance, how well a fund has maintained its value while paying out its dividend yield. You can easily spot funds experiencing NAV erosion and those increasing in value even while paying out their annual income.

It appears on both the Compare and Performance pages. For income investors — especially retirees or anyone living off monthly dividends — this metric is invaluable, and we have never seen it calculated or shared in any other app.

The Dependability Score, found in the review funds section, is designed to help you identify whether a fund's income is likely to be dependable over time — especially helpful to retirees or those wanting to live off the income.

It rates any income fund from 0–100% based on a weighted combination of six factors: Yield Stability (highest weight), Yield, Volatility, Capital History, Fund Risk, and Underlying Assets — helping you find the most dependable income funds, not just the ones with the highest yields.