Payfin vs Divnest

Payfin is a comprehensive portfolio management tool that allows you to easily track your personal budget and investments from a single platform. Key Features: • Track your income and expenses instantly to keep your budget under control. • Monitor your gold, foreign currency, crypto, and stock market investments with live data on one screen. • Analyze the total value and changes of your assets with clear and insightful charts. • Manage your money effectively without dealing with complex accounting processes. Payfin is always with you on your journey to financial freedom!

No account. No sign-up. No ads. Your portfolio stays on your iPhone. Divnest tracks the dividends your shares actually pay you — after withholding tax, after commission, in your own currency — and answers the question every dividend investor really wants answered: what happens if you reinvest? Not in theory. In your numbers. WHAT STAYS YOURS • No account, ever — nothing to sign up for, nothing to sign in to, no password to lose • Your holdings live on your device. No server keeps a copy, so no server can lose one • No ads, no third-party trackers, no analytics • Optional private backup to your own iCloud, visible to you and to nobody else • Works offline — your numbers are there on a plane, on the metro, or with no signal Divnest looks up public market data (prices, dividend history, exchange rates) to keep your figures current. None of it is tied to your identity, because there is no identity to tie it to. WHY DIVNEST • See your real income — gross dividends minus the withholding rate that applies where the company is listed, 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 money, with a year-by-year chart and a shareable result • Real return calculator — gross dividend → withholding tax → commission → inflation → real return, laid out step by step so nothing is hidden • Two currencies at once — your portfolio and your income side by side in both, with an FX-effect breakdown showing what the exchange rate did to your return • 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 (the full methodology is shown in the app) • 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 Divnest covers stocks and ETFs from the world's major exchanges, and it covers Borsa İstanbul in the same portfolio, with the Turkish withholding rate applied automatically — so a portfolio that mixes local and global holdings adds up correctly in one place. DIVNEST PRO Divnest is free to download; using it needs Divnest Pro, which unlocks everything above. It is available monthly, yearly (the best value) or as a one-time Lifetime purchase — buy it once and it stays bought. The price in your currency is shown before you buy, both here on the App Store and in the app. See the real picture. Plan the real outcome. LEGAL Privacy Policy: https://beratmehmetoglu.com/privacy/ Terms of Use (EULA): https://beratmehmetoglu.com/terms/