divtracker.ai vs Portfolio VisualizerLive tracking vs backtest-only analysis
Portfolio Visualizer is one of the best free backtesting tools available — but it doesn't track your actual portfolio. It models hypothetical scenarios. divtracker.ai tracks your real holdings, live: current value, dividend income, yield-on-cost, and how many years you are from financial independence.
Feature comparison
| Feature | divtracker.ai | Portfolio Visualizer |
|---|---|---|
| Live portfolio tracking (real-time values) | ||
| Dividend income tracking | ||
| Dividend calendar | ||
| FIRE progress tracker | ||
| Transaction history and cost basis | ||
| Net worth tracking | ||
| Portfolio backtest and historical simulation | ||
| Factor analysis and correlation tools | ||
| Monte Carlo simulation | ||
| Efficient frontier analysis | ||
| Tracks your actual holdings(PV models portfolios; doesn't track yours) | ||
| Free to use |
Choose divtracker.ai if
- You want to track your actual holdings, not hypothetical ones
- Live portfolio value and day-change matter to you
- Dividend income and yield-on-cost are central to your strategy
- You want to see FIRE progress based on your real portfolio
- You want a dividend calendar with ex-dates and payment amounts
- You need a running transaction history and cost basis
Portfolio Visualizer may suit you if
- You want to backtest a proposed asset allocation
- You need Monte Carlo simulations and factor analysis
- You're researching historical performance before buying
- Efficient frontier and correlation matrices are important to you
Frequently asked questions
What is the main difference between divtracker.ai and Portfolio Visualizer?
Portfolio Visualizer is a backtesting and analysis tool — it models hypothetical portfolios using historical data. It doesn't track your actual holdings, live prices, or real dividend income. divtracker.ai tracks your real portfolio in real time: what you own, what it's worth today, and how much income it generates.
Can I use Portfolio Visualizer to track dividends?
Portfolio Visualizer can show historical dividend yield as part of backtest analysis, but it doesn't track your actual portfolio's dividend payments, yield-on-cost, upcoming payment dates, or income progress. Those are live tracking features, not backtesting outputs.
Should I use divtracker.ai instead of Portfolio Visualizer?
They serve different purposes and many investors use both. Portfolio Visualizer is excellent for researching asset allocation and running simulations before you invest. divtracker.ai tracks what happens after you invest — live performance, dividend income, and FIRE progress based on your actual positions.
Does divtracker.ai offer backtest functionality?
divtracker.ai includes a Portfolio Builder tool for allocation modelling, but it isn't as deep as Portfolio Visualizer's backtesting engine. For rigorous historical simulation, Portfolio Visualizer remains the best free tool. For tracking your real portfolio's income and performance, divtracker.ai is the better choice.
Track what you actually own.
Live portfolio tracking, dividend income, and FIRE progress — free to start.
Start tracking free