DivCal vs Raydient

Track your dividend income, never miss an ex-date, and grow your passive income portfolio with DivCal. DivCal is the smart dividend tracker that helps you stay on top of every payment. Add your holdings, and DivCal automatically fetches dividend history, calculates your income, and alerts you before important dates. KEY FEATURES: • Dividend Calendar — View upcoming ex-dates and payment dates in a monthly calendar. Switch between your portfolio and market-wide events. • Portfolio Dashboard — Track multiple portfolios with real-time valuation, annual income, yield, and growth metrics. • Smart Notifications — Get alerted before ex-dividend dates and when payments hit your account. • Income Projections — Model dividend growth with DRIP reinvestment scenarios, contributions, and income goals. • Dividend Safety Scores — Evaluate payment reliability with multi-factor scoring based on payout ratios, growth history, and consistency. • Stock Screener — Discover dividend stocks filtered by yield, Aristocrat/King status, sector, and payout ratio. • Detailed Stock Analysis — Complete dividend history, growth rates, yield on cost, and sector information for every holding. • Advanced Analytics — Sector allocation, monthly income breakdown, dividend growth trends, and top payer charts. • Home Screen Widgets — See your next dividend, monthly income, or calendar from your home screen. • CSV Import & Export — Move portfolio data in and out with CSV support. • Backup & Restore — Keep your data safe with full backup functionality. • Try Before You Buy — Every premium feature includes 3 free previews. • Flexible Pricing — Choose Monthly or Lifetime access. Pay once, own forever. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://elly2504.github.io/divcal-pages/privacy/

Raydient is the essential financial toolkit for the modern student. Most finance apps are designed for established professionals with complex needs, or they are too basic to provide real value. We built Raydient specifically for high school and college students who want to master their finances without the complexity of a manual spreadsheet. It is a streamlined, free application that focuses on the three pillars of financial success: intentional spending, goal-oriented saving, and market education. The budgeting interface is engineered for speed. You can track expenses and monitor your balance in seconds, making it easier to maintain a clear pulse on your spending habits. When you are saving for a milestone, like a first vehicle, a semester abroad, or a security deposit, the goal tracker provides a visual map of your progress. Seeing tangible growth is far more effective than simply checking a bank balance. One of the most powerful features is the stock market simulator. We know that investing can feel high stakes when it is your own hard-earned money on the line. Raydient provides a risk-free environment to practice. By using live market data and virtual currency, you can test investment strategies and see exactly how your portfolio would perform in real time. It is a practical way to build your confidence and understanding of the market before you commit real capital. Raydient is secure, fully encrypted, and optimized for a seamless iOS experience. It is about more than just tracking numbers; it is about building a professional financial foundation while you are still in school.