Your dividend portfolio under control – every payout, every tax
You’re building passive income from dividends paid by Polish and foreign companies. FundStat collects payouts from all your accounts, shows when the next dividend arrives and calculates the tax on foreign dividends for PIT-38.
Dividend investor profile
- Strategy
- Dividend income
- Typical assets
- Polish and US stocks, distributing ETFs
- Payouts
- Reinvested or withdrawn
- Portfolio check
- With every payout
- Goal
- Growing passive income
Dividend investor – the problems you run into most
Dividends arrive in different currencies, on different accounts and with different taxes. Most people building passive income from dividends know these situations.
Dividends land on three accounts and I don’t know how much came in this year in total.
Transaction import brings in payouts from every broker, and the Dividends section shows them together, month by month and in PLN.
I don’t know when the next dividend arrives or whether I still qualify for it.
The dividend tracker shows confirmed payouts for the next 90 days with the ex-dividend date and the number of eligible shares.
I know the dividend yield of single stocks, but not of my whole portfolio.
FundStat calculates the portfolio’s dividend yield as the last 12 months of payouts divided by its current value, together with the average dividend growth.
With US dividends, I don’t know how much tax I still owe in PIT-38.
The annual summary takes 19% of the gross amount and subtracts the tax withheld at source, up to the treaty rate on avoiding double taxation.
A dividend investor’s year in FundStat
Dividend income comes down to a few repeated tasks a year. Each of them has its place in the app.
- Every month
Add dividends and new purchases
Upload your broker’s file with dividends and the purchases made with reinvested cash. The payout chart shows the new month right away.
Transaction import - Before the ex-date
Check upcoming dividends
Check the ex-dividend date, payment date and amount per share, and FundStat works out how many of your shares qualify.
Dividend tracker - Once a year
Review your payers
See which companies raised or cut their dividend, and whether your income depends on a single payer.
Asset analysis - February–April
Report foreign dividends
The annual summary collects foreign dividends, the tax withheld at source and the amount still due in PIT-38.
Annual summary
The features dividend investors use most
These four features are enough to know what your dividend portfolio earns, when the next payout arrives and how much tax to pay.
- DividendsUp to 10 years of payout history, upcoming dividends and the whole portfolio’s dividend yield.
- Annual tax summaryCalculates the tax on foreign dividends, minus the tax withheld at source.
- Asset analysisShows one company’s dividends together with its purchases, sales and position result.
- Import assistantBrings in payouts and dividend corrections from your broker’s file, without retyping.
Dividends in numbers
- of the S&P 500’s cumulative total return since 1960 comes from reinvested dividends and compounding
- 85%
- Source: Hartford Funds, The Power of Dividends: Past, Present, and Future
- US withholding tax on dividends with a W‑8BEN form instead of 30%, and in PIT-38 you pay the difference up to 19%
- 15%
- Source: Poland–US double taxation treaty, art. 11
- tax on Polish dividends is withheld by the payer, so you don’t report them in PIT-38
- 19%
- Source: Polish Personal Income Tax Act, art. 30a
“Someone’s sitting in the shade today because someone planted a tree a long time ago.”
Dividends in a spreadsheet, a broker app and FundStat
Each of these tools shows part of the picture. The table compares what matters most to a dividend investor.
| Spreadsheet | Broker app | FundStat | |
|---|---|---|---|
| Dividends from all accounts in one view | |||
| Upcoming payouts with the ex-dividend date | |||
| Dividend yield of the whole portfolio | |||
| Share of the largest payers in your income | |||
| Foreign dividend tax for PIT-38 | |||
| No manual entry of dividends |
- Yes
- Partly or by hand
- No
Dividend investor – frequently asked questions
Dividend yield is the annual dividend per share divided by the share price, shown as a percentage. For the whole portfolio, FundStat divides the last 12 months of payouts by the portfolio’s current value, so you see the income your entire wealth produces, not a single company’s.
A dividend portfolio – all your passive income in one place
A dividend strategy works when you see the whole income, not single transfers. FundStat collects dividends from every account, shows upcoming payouts and calculates the tax on foreign dividends for PIT-38.
Other investor profiles
- Passive investorETFs, regular contributions and buy-and-hold, without watching the market every day.
- Aggressive investorFrequent trades, growth stocks and futures, with every position’s result under control.
- Conservative investorTreasury bonds and safer assets. See whether your portfolio beats inflation.
- Retirement saverIKE, IKZE and OKI accounts in one place, with returns measured over years.
- Multi-account investorSeveral brokers, banks and currencies, one consistent picture of your wealth.