{"title":"Investing","description":"\u003cp\u003eKeep an eye on your investments without paying for an app. These spreadsheets track stocks, funds, and crypto, log the dividends you earn, and help you plan toward financial independence and early retirement. Enter your own numbers and they update in Excel or Google Sheets.\u003c\/p\u003e","products":[{"product_id":"dividend-tracker-spreadsheet-stock-income-calculator-portfolio-yield-planner-excel-google-sheets","title":"Dividend Tracker Spreadsheet, Stock Income Calculator, Portfolio Yield Planner (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eBuild cash flow that never sleeps.\u003c\/strong\u003e Dividend Income Pro is a complete spreadsheet system that turns dividend investing into a clear, trackable plan. Five named engines work together so you can avoid yield traps, project 30 years of compound returns, optimize taxes through smart account placement, and build your holdings in the right order. Works for any portfolio size, in both Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eDividend Income Score (0–100)\u003c\/h3\u003e\n\u003cp\u003eAn auto-calculated score from five weighted components that updates as you log holdings, track risk, and check tax efficiency. Above 85 means your income engine is fully on track; below 70 means it is time to tighten the plan or check for yield traps.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 9 tabs and 1,017 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF (6 pages)\u003c\/li\u003e\n\u003cli\u003eStrategy Guide PDF (6 pages)\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eFive named engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDividend Income Score Engine\u003c\/strong\u003e — a weighted score out of 100 across Yield Quality (25%), Income Stability (20%), Growth Rate (20%), Tax Efficiency (20%) and Diversification (15%).\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePortfolio Tracker Engine\u003c\/strong\u003e — 25 holdings with a full color-coded breakdown across 13 sectors, using the Wall Street CFA \/ analyst color standard.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome Forecast Engine\u003c\/strong\u003e — a 12-month rolling payout calendar with auto-detected monthly and quarterly payers.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGrowth \u0026amp; Compound Engine\u003c\/strong\u003e — a 30-year compound projection with a DRIP toggle.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRisk \u0026amp; Quality Engine\u003c\/strong\u003e — a Yield Trap Detector with four-tier classification and an auto cut-risk score per holding.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — setup wizard and color code explained\u003c\/li\u003e\n\u003cli\u003eDashboard — live score, 5 KPI cards, doughnut charts\u003c\/li\u003e\n\u003cli\u003ePortfolio Holdings — 25 holdings, 13 sector breakdown\u003c\/li\u003e\n\u003cli\u003eIncome Calendar — 12-month forecast with quarterly spikes\u003c\/li\u003e\n\u003cli\u003eGrowth \u0026amp; Compound — 30-year DRIP projection\u003c\/li\u003e\n\u003cli\u003eRisk \u0026amp; Quality — Yield Trap Detector with 4 tiers\u003c\/li\u003e\n\u003cli\u003eTax Optimization — account placement matrix\u003c\/li\u003e\n\u003cli\u003eGoals \u0026amp; Targets — 8 milestones with auto-progress\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThe FIRE builder, building toward financial independence\u003c\/li\u003e\n\u003cli\u003eThe new dividend investor, learning to spot yield traps\u003c\/li\u003e\n\u003cli\u003eThe retiring income investor in retirement transition\u003c\/li\u003e\n\u003cli\u003eThe growth optimizer running a long-term compounding strategy\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export, a Quick Start Guide PDF and a Strategy Guide PDF. 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Built with 10 connected tabs, 280 live formulas and three engines. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThree engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eFIRE Date Calculator\u003c\/strong\u003e — an NPER-based engine that projects the exact year, your age and the month you reach independence based on compound growth, not flat addition.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSafe Withdrawal\u003c\/strong\u003e — Trinity Study based, with three side-by-side scenarios at 3%, 4% and 5%.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCoast FIRE\u003c\/strong\u003e — the moment you can stop saving and let compounding finish the job.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 10 connected tabs and 280 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — age, target retirement, expenses, return rate and withdrawal rate\u003c\/li\u003e\n\u003cli\u003eDashboard — net worth, FIRE number, years to FIRE and progress\u003c\/li\u003e\n\u003cli\u003eNet Worth — monthly snapshots across cash, investments, retirement and real estate\u003c\/li\u003e\n\u003cli\u003eIncome \u0026amp; Spend — monthly tracking with an auto-calculated savings rate\u003c\/li\u003e\n\u003cli\u003eFIRE Calculator — the NPER date engine\u003c\/li\u003e\n\u003cli\u003eSafe Withdrawal — three withdrawal-rate scenarios\u003c\/li\u003e\n\u003cli\u003eCoast FIRE — your coast point\u003c\/li\u003e\n\u003cli\u003eProjections — portfolio at 1 to 30 years\u003c\/li\u003e\n\u003cli\u003eMilestones — 8 wealth levels from emergency fund to full FIRE number\u003c\/li\u003e\n\u003cli\u003eAnnual Review — year-over-year tracking with the best year highlighted\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAspiring FIRE pursuers who want a real date\u003c\/li\u003e\n\u003cli\u003eHigh earners and savers tracking progress\u003c\/li\u003e\n\u003cli\u003eCoast FIRE seekers\u003c\/li\u003e\n\u003cli\u003eLong-term investors who want compound math, not guesswork\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. 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Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal tracking only. This is not investment advice; figures are illustrative and depend on your inputs. 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The workbook does the math, draws the charts, and grades your whole financial life with a single Money Health Score. Then it tells you the one thing to work on this week.\u003c\/p\u003e\n\u003ch3\u003eWhy this one is different\u003c\/h3\u003e\n\u003cp\u003eA Money Health Score from 0 to 100, built from six real checks on your money. A FIRE calculator that shows the nest egg that sets you free, and how many years away it is. Net worth projections that grow your number forward for 30 years. Works in both Excel and Google Sheets, online or offline. No lock-in.\u003c\/p\u003e\n\u003ch3\u003eWhat is inside (13 connected tabs)\u003c\/h3\u003e\n\u003cp\u003eHome setup in plain language. Wealth Dashboard, your whole picture on one screen. Money Health Score, six pillars and one number. Assets and Debts, with the costliest debt flagged first. Net Worth history with an auto trend. Projections across 5, 10, 20, and 30 years. FIRE calculator, your finish line and timeline. Investments, your mix and where it drifts. Goals with target dates. Emergency Fund builder. Savings Rate tracker. Annual Review.\u003c\/p\u003e\n\u003ch3\u003eThe signature feature\u003c\/h3\u003e\n\u003cp\u003eYour Money Health Score blends savings rate, emergency fund, debt load, investing, net worth trend, and liquidity into one honest number with a letter grade. The dashboard reads your weakest pillar and tells you, in plain words, what to fix first.\u003c\/p\u003e\n\u003ch3\u003eIt feels alive\u003c\/h3\u003e\n\u003cp\u003eType a number anywhere and the workbook redraws itself. Doughnut charts, a rising net worth line, progress bars, and cells that turn green when you are on track and gold when to watch. You never format anything by hand.\u003c\/p\u003e\n\u003ch3\u003eUse it anywhere\u003c\/h3\u003e\n\u003cp\u003eAny currency. Computer, tablet, or phone. A free Google account is all you need for Google Sheets, or open it in Excel.\u003c\/p\u003e\n\u003ch3\u003eWhat you receive\u003c\/h3\u003e\n\u003cp\u003eThe Wealth Command Center workbook, 13 tabs. A premium Quick Start guide (PDF). Free updates, and a real person to answer your questions.\u003c\/p\u003e\n\u003ch3\u003eGood to know\u003c\/h3\u003e\n\u003cp\u003eThis is a digital download. Nothing physical is shipped. Your data stays in your own file and is never sent anywhere. This workbook is for general information and is not personalized financial advice. For personal use by the original buyer. Buy once. Use it forever.\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50279268090049,"sku":null,"price":10.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8129143511_n4ix.jpg?v=1780237422"}],"url":"https:\/\/spendflowstudio.com\/collections\/investing.oembed","provider":"SpendFlow Studio","version":"1.0","type":"link"}