The Problem with Clean Numbers
Most dividend calculators hide uncertainty behind clean numbers. Real portfolios face drawdowns, dividend cuts, inflation shocks, and tax friction. We built this project to make those constraints visible before capital is committed.
The objective is practical: stronger assumptions, safer capital targets, and better behavior during market stress.
Our Mission
We help investors transform uncertainty into a structured plan. Our tools encourage disciplined decisions, realistic expectations, and long-term consistency instead of short-term guesswork.
Make Risk Visible
Show downside scenarios early, before assumptions become costly.
Protect Decision Quality
Prioritize frameworks that support calm, repeatable portfolio actions.
Build for Real Life
Keep planning grounded in taxes, inflation, and changing market cycles.
"No single-output fantasy projections. Net income logic after taxes and costs. Scenario ranges to plan with margin."
Our Methodology & Multi-Country Tax Modeling
Free Dividend Tracking & Capital Asset
📊 Google Sheets & Excel Dividend Tracking Model
To help dividend investors track their real after-tax cashflow and monitor capital targets, we provide a free, open-source dividend tracking spreadsheet. Built and maintained directly by DCSimulator.me, this template includes:
- Multi-Country Double Taxation Tracker: Automatic calculation of US 15% withholding tax (W-8BEN) and local withholding (IT 26%, ES 19%, FR 30%, NL 15%, UK 8.75%, DE 26.375%).
- DCSimulator Integration: Direct formula linking for P75 and P90 Monte Carlo target capital progress.
- Monthly Payout Calendar: Auto-populating quarterly dividend schedules for SCHD, VYM, DGRO, and JEPI.
Our Principles
- Conservative First: Always avoid overpromising timelines or capital outcomes.
- Transparent Inputs: Assumptions are explicit, visible, and user-adjustable.
- Actionable Output: Each simulation result should immediately support the next investment decision.
Built by Dividend Investors
Dividend Capital Simulator is built and maintained by a team of long-term dividend investors and financial engineers with 10+ years of portfolio experience. We've tested these frameworks in real markets, through dividend cuts, inflation shocks, and regime changes. We build what we use.
📋 Methodology Review
All major assumptions—dividend growth, tax rates, inflation, yield persistence—are sourced from 20+ years of public market data and independently verified.
🔍 Continuous Validation
Instrument data (ETF yields, payout ratios, fees) is updated quarterly. Monte Carlo parameters are stress-tested annually against historical market cycles.
📚 Editorial Standards
Every published article is fact-checked against primary sources: SEC filings, fund prospectuses, published academic research on dividend sustainability.
Editorial Direction
Articles and guides are designed to reduce cognitive noise: fewer slogans, more frameworks. We emphasize scenario thinking, risk budgeting, and habit-building for long horizons.
Have a use case we should model better? Email us at samuele.cryp@gmail.com with your target income, horizon, contribution pace, and portfolio constraints.