Divnest: Dividend Snowball

Divnest answers the question every dividend investor really wants answered: what actually happens if you reinvest? Not in theory — in your numbers, after tax, after commission, after currency conversion. Built for Turkish investors who hold both BIST stocks (THYAO, BIMAS, TUPRS...) and global names (AAPL, SPY, SCHD...), Divnest is the first app to bring them together in one portfolio, in Turkish, with the tax math already done for you. WHY DIVNEST • See your real income — gross dividends minus the automatic 15% BIST withholding tax (and country-specific rates for global holdings like the US and Ireland), so the number on screen is the number that lands in your account • Snowball simulator — model years of reinvested dividends and see the gap between "reinvest" and "don't" in real currency, with a year-by-year breakdown chart and a shareable result screen • Real return calculator — gross dividend → withholding tax → commission → inflation → real return, laid out step by step so nothing is hidden • Dual currency — see your portfolio and income in TRY and USD side by side, with FX-effect analysis on top • Dividend calendar — every upcoming ex-dividend date and payment for the next 12 months, plus a clear "expected this month" summary • Dividend safety score — a transparent 0-100 score built from payout ratio, dividend growth streak, debt levels, and interest coverage, so you can judge sustainability at a glance (global holdings; methodology fully shown, unlike most trackers that hide it) • Smart notifications — reminders before ex-dividend dates, payment confirmations, safety-score drops, and a weekly summary • Home-screen widget — your annual net income and next payment, always one glance away • Built for both worlds — BIST and global stocks/ETFs in a single portfolio, with full Turkish localization OFFLINE-FIRST, PRIVATE BY DESIGN Your entire portfolio lives on your device with SwiftData. Divnest looks up public market data (prices, dividend history, exchange rates) to keep your numbers current, but none of it is tied to your identity — there's no account, no login, and nothing about you is collected. Free to track up to 3 holdings, with the home screen, dividend calendar, and widget always included. DIVNEST PRO Unlock the full picture: • Unlimited holdings • Snowball simulator with goal mode ("what do I need for ₺X/month in dividends?") • Real return calculator (tax + commission + inflation) • Dual currency view with FX-effect analysis • Dividend safety score • Smart notifications Available Monthly ($3.99/month), Yearly ($29.99/year — the best value, with a 7-day free trial) or as a one-time Lifetime purchase ($89.99). See the real picture. Plan the real outcome. LEGAL Privacy Policy: https://bmlabs.netlify.app/divnest/privacy Terms of Use (EULA): https://bmlabs.netlify.app/divnest/terms