SmartDividend is an editorial ledger for income investors — two currencies, 5 account types, and a calendar that knows the difference between a declared payment and an estimated one. Import a CSV; we reconcile the rest.
Illustrative preview — figures are sample data.
Import a brokerage CSV; we reconcile it against the dividend calendar. A missing or estimated payment surfaces before your statement arrives.
Canadian eligible dividends, US treaty-rate income, withholding and return-of-capital — broken out cleanly so April is not a surprise.
Project a contribution schedule against current yields. Adjust monthly amounts, horizons and reinvestment rules — see the curve before you commit.
Every holding and watchlist name is scored 0–10 across fundamentals, distribution sustainability, the underlying, fund flows, technicals, DRIP math and macro — a single conviction signal, with each layer shown so nothing is a black box.
Each verdict knows your cost basis and unrealized P&L, with entry, target and stop levels in bold, unmistakable colour. You choose the size and the moment — Compass never places an order.
Actionable calls surface in the Command Center’s Daily Plan, your Alerts inbox and the top-bar bell — and, if you opt in, a Telegram digest after every run. Refreshed on each run, cleared when the call changes.
The Command Center reconciles the eight-layer signal with the Compass research verdict into a single Daily Plan — one call per symbol, its evidence a click away, and an honest flag when the two disagree. Signals are built from real market data — Yahoo Finance, TMX, SEC EDGAR fund filings, the Bank of Canada and FRED macro series — and computed deterministically. It is decision support, not investment advice; it never connects to your brokerage or places trades.
The same deterministic engine, ported for round-the-clock markets: a clear action on every coin you track, scored from Kraken market data. Never a fabricated hold for missing data — and never a trade on your behalf.
Connect Kraken or KuCoin read-only, or paste an on-chain EVM, Solana or Bitcoin address. Balances are valued in USD and reconciled against the signal. We never hold a withdrawal key.
A trailing, long-only track record reconstructed from past signals — idealised, with no fees or slippage — so you can read how the calls would have played out, not a promise of returns.
Crypto Compass is advice only — read-only exchange and wallet access, no trading keys, no orders. Kraken is the scoring source; KuCoin balances and on-chain wallets are valued and displayed, never used to move money.
Every other view reads your holdings. The Institute reads the market — screening US and Canadian common stocks for under-appreciated value the discipline of Graham and Buffett would respect, then handing the strongest to your watchlist so the eight-layer engine takes over.
A gem must clear both a quality-and-value bar — Graham safety, Buffett returns, a margin of safety including the Graham Number — and an obscurity bar: cheap versus its sector, thin institutional and analyst attention. Cheap alone isn’t enough; neither is quality alone.
The hunt runs weekly on free data and ranks what it finds. Opt into a Telegram digest and only genuinely new gems you don’t already hold reach you. An optional AI layer sketches the themes behind them — context, never a buy signal.
The Institute is a discovery screen, not a recommendation to buy — it names candidates and shows the full pass/fail battery behind each, and you decide. The theme layer is an optional AI reading that needs a key and degrades to an honest empty state without one.
Drop your Questrade or National Bank export into the import zone. We auto-detect the format and parse trades, dividends, DRIPs and transfers — no API keys, no broker credentials.
Every transaction is matched to the symbol’s dividend calendar. dividendhistory.org and Yahoo Finance cross-check each payout; discrepancies surface in Data Quality.
Dashboard, holdings, income, calendar, cash, goals and reports — an editorial view of where you stand. Nothing leaves your account.
We never connect directly to your brokerage. You bring the CSV; we read the numbers. Read-only by design — and you can export everything, or close the account, whenever you ask.
The full ledger, no payment required. We'll give existing accounts ample notice before anything ever changes.
Import a statement, reconcile the calendar, and read an honest record of where you stand.
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