Free and Premium Plans
Web Application with amazing tools and resources for the DIY investor!
View our app documentation for detailed help and guidance.
Best value
Premium · Annual
$119 USD / year
about $9.92 / mo, billed annually
Save $117 a year vs. paying every 3 months ($236)
✓ 30-day risk-free guarantee
Everything in Free, plus:
✓Income-Oriented Portfolio Manager
✓Smart Fund Picking + 13-criteria analyst reviews
✓Detailed Income Fund Performance
✓Plan & Reinvest Wizards
✓Diversification Analysis & Portfolio Targets
✓Discover — search 2,300+ income funds
✓Dividend alerts & Income Fund News Hub
Premium · 3-Month
$59 USD / 3 mo
about $19.67 / mo, billed quarterly
$236 / year — flexibility to pay as you go
✓ 30-day risk-free guarantee
Everything in Free, plus:
✓Income-Oriented Portfolio Manager
✓Smart Fund Picking + 13-criteria analyst reviews
✓Detailed Income Fund Performance
✓Plan & Reinvest Wizards
✓Diversification Analysis & Portfolio Targets
✓Discover — search 2,300+ income funds
✓Dividend alerts & Income Fund News Hub
Free
$0 / forever
Get started with income investing
Get Started Includes:
✓Compare US & Canadian fund returns
✓Income Fund Performance
Dependable monthly income, in three simple steps
Research, Build and Manage — the proven process, built BY income investors FOR income investors.
1
Research
Find the best funds to achieve your income goals.
✓ Discover
Search 2,300+ income funds across North America and narrow to a personalized shortlist that matches your exact criteria.
✓ Fund Picker & Fund Review
Your personal fund consultant — compare strengths, weaknesses and red flags across 13 key categories.
✓ Compare & Performance
See annual income, share-price growth and total returns over time so you know which funds you want.
✓ Dependability Score
An exclusive metric you won't find anywhere else — so you find the most dependable income funds, not just the highest-yield ones.
2
Build
Test your ideas and know your portfolio works, before you invest.
✓ Plan Worksheet
Build with different funds, budgets and allocations — or start from a template — and estimate future income.
✓ Reinvest Tool
Identify the best opportunities and calculate exactly what to buy or sell — no spreadsheets.
✓ Test Portfolios
Track your ideas "on paper" and monitor income and growth before putting real money to work.
3
Manage
Track your income and optimize your portfolio for maximum profits.
✓ Portfolio Manager
Track monthly income, portfolio value and fund performance from one easy dashboard.
✓ Diversification Tools
See concentration risks across sectors and regions with the push of a button.
✓ Target Tools
See where your portfolio is out of balance and exactly what adjustments are needed.
✓ Multi-Account View
Manage multiple accounts separately, or combine them into one complete picture.
Feature
Free
Premium
Compare US & Canadian Fund Returns
See which fund has performed best historically
✓
✓
Income Fund Performance
Accurate total-return calculations — avoid the high-yield trap
✓
✓
Detailed Income Fund Performance
Price and yield graphs along with full dividend payment histories
✕
✓
Income-Oriented Portfolio Manager
Auto price updates, dividend tracking, multi-currency & what-if modeling
✕
✓
Smart Fund Picking
Find funds that match your goals and avoid costly mistakes
✕
✓
Side-by-Side Comparisons
Color-coded analyst reviews across 13 key criteria
✕
✓
Plan & Reinvest Wizards
Automatic share & allocation math to maximize income
✕
✓
Diversification Analysis
Sector & geographic breakdowns across all holdings
✕
✓
Portfolio Targets
Track drift with plain-language buy / sell hints
✕
✓
Discover — Fund Search
Filter 7,600+ funds by payment frequency, currency, leverage & more
✕
✓
Dividend Change Notifications
Weekly email summaries of dividend changes
✕
✓
Income Fund News Hub
All income-fund news organized in one place
✕
✓
Some fan feedback...
★★★★★
"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. Thank you so much for creating this!"
Jill Cook
Alert Bay, BC
★★★★★
"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."
Diane Giesy
Mount Vernon, WA
★★★★★
"I've been investing in income funds in the last few years and am extremely happy with the results. I've taken over all my investing accounts from my advisor, and am managing them now through the DII app. This app is definitely one of the best investments I've made to date!"
Bev Edwards
Langley, BC
Our 30-Day Risk-Free Guarantee
We created this app to make income investing simpler, faster, and more effective—and we're confident you'll quickly see how valuable this tool is for growing your own portfolio.
Register today and put the Dependable Income Investing App to work for you. Explore the full range of tools, find great funds, test your portfolio ideas, and see how much easier income investing can be.
If you don't feel the app provides outstanding value within your first 30 days, simply let us know and we'll issue a full refund.
Frequently asked questions
Both unlock every Premium feature. The annual plan is $119 USD / year — about 50% less than paying $59 every three months ($236/year). Same app, lower price for committing annually.
Yes. The Free plan's Compare Tool is free forever and includes Income Fund Performance and US / Canadian return comparisons. Upgrade to Premium any time to unlock the portfolio manager, detailed performance charts, fund picking, analyst reviews and more.
Absolutely. You must renew your plan before expiry — we will send a reminder. You keep Premium access through the end of your billing period, then roll back to Free automatically. No need to cancel; your plan expires automatically unless you renew.
We offer a 30-day risk-free guarantee. If the app does not provide outstanding value in your first 30 days, just let us know and we will issue a full refund.
Yes. We track 2,300+ income ETFs and 7,600+ funds across US and Canadian markets, with multi-currency support throughout the app.
Payments are handled by a PCI-compliant provider. We never see or store your full card details, and the app never connects to your brokerage to move money.
Yes! The app contains performance data, reviews, news and currency support for both Canadian and US investors who hold brokerage accounts in either country and stocks or funds listed on any North American exchange.
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.
Curated analyst fund reviews are updated yearly for more than 125 income funds in North America (a fund must be at least 1 year old to be reviewed). Stock data is updated daily for user portfolios and performance history is provided to the most recent Friday. Sector and Geographic Diversification is curated directly from a fund's website every 90 days, so it is the most accurate aggregation of this information available.
The app allows you to upload a screenshot from your brokerage account and it will "auto-magically" import the data into a new portfolio for you. On an ongoing basis there is a quick edit feature to allow you to quickly change the number of shares or cost basis for all of your portfolio holdings in one easy place.
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 Net Asset Value (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 fund review 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.