Ten dollars a month is $120 a year. On a $10,000 portfolio yielding 4%, that is 30% of your annual income going to the app that tracks the income. Read that again.
- Worth paying for: fresh, accurate payout data, if the free tier is stale and dangerous - Worth it: a real screener with yield floors, payout ceilings, and sector filters - Not worth it: prettier charts, premium watchlists, most AI insights (moving averages with a robot voice) - Worth watching: portfolio income audit tools that flag stretched ratios; actual analysis, not decoration - The smaller your portfolio, the more ruthlessly free-tier you should be
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Keep the core research free of subscriptions: DivPlan ($4.99 one-time) screens 197 payers without the monthly bleed.