Free Tools for Dividend Investors
No paywalls. No upsells. No $999/year subscription required.
Wall Street has tools. Bloomberg terminals cost $24,000 a year. FactSet runs another $12,000. Morningstar Direct? Add another $10K on top of that. We built these for a different kind of investor — the kind with $100 to put to work this month, reading annual reports at 11pm after the kids are in bed.
The Tools
Free to use. No sign-up required for calculators.
Graham Number Calculator
Calculate a stock's true value using Benjamin Graham's formula. The maximum price you should ever pay — find undervalued stocks with margin of safety analysis.
Compound Interest Calculator
Model real portfolios up to $1M+. Year-by-year breakdown, growth chart, preset strategies, and key stats like doubling time.
Dividend Income Calculator
Calculate passive income with DRIP reinvestment, dividend growth modeling, and preset stocks like KO, JNJ, VZ, and SCHD.
Dividend Growth Calculator
Model dividend growth compounding over 5–30 years with DRIP reinvestment. See year-by-year shares owned, annual income, and total portfolio value.
DRIP Calculator
Compare dividend reinvestment vs cash dividends. See year-by-year how DRIP accelerates wealth building through compounding.
DCA Simulator
Interactive dollar-cost averaging simulator. Test Bull, Bear, Volatile, and Crash scenarios with real month-by-month results.
P/E Ratio Analyzer
Analyze P/E ratios with 20+ preset stocks, sector comparisons, and forward P/E estimates. Click a stock to auto-fill.
DCF Calculator
Calculate intrinsic value with discounted cash flow analysis. Project future cash flows and discount to present value with detailed year-by-year breakdowns.
Stock Comparison
Compare two stocks side by side — P/E, dividends, growth, sector, and get a clear verdict on which is better for your goals.
PEG Ratio Calculator
Calculate the PEG ratio to find stocks undervalued relative to their growth. Based on Peter Lynch's legendary investing strategy.
Rule of 72 Calculator
Instantly calculate how long it takes to double your money at any return rate. Includes compound growth visualization.
Piotroski F-Score Calculator
Score any stock's financial health with the 9-point Piotroski system. Paywalled at $240–449/yr elsewhere — completely free here.
Dividend Safety Scorecard
Enter any ticker and instantly see 6 dividend safety metrics: payout ratio, debt load, growth trend, earnings stability, coverage ratio, and sector comparison. Get a composite cut risk score — green, yellow, or red.
Coming Soon
Subscribe to The Value Brief to get early access and a discounted launch price.
Dividend Aristocrat Screener
A searchable database of companies that have raised their dividend for 25+ consecutive years. Filter by yield, payout ratio, sector, and valuation — including Graham Number comparison. There are only about 65 of them. This screener shows you all of them, filtered by what actually matters to you.
- ✓ Current dividend yield
- ✓ Years of consecutive dividend growth
- ✓ Payout ratio filter
- ✓ Graham Number comparison
Budget Portfolio Tracker
A portfolio tracker built for investors starting with $1,000 — and designed to follow you all the way to $100,000. Most trackers assume you already have money. This one was built from the ground up for the starting investor.
- ✓ Track up to 50 positions
- ✓ Dividend income dashboard
- ✓ Monthly contribution planner
- ✓ Export to CSV — your data is always yours
🔭 On the Workbench
What we're building next.
Sector Rotation Calendar
Different sectors outperform at different points in the economic cycle. This tool helps you tilt your dividend portfolio with the cycle — without trying to time the market, just position ahead of shifts.
Status: Research phaseTax-Loss Harvest Assistant
Identify positions where you've taken losses, get tax-equivalent replacement suggestions (avoiding wash-sale rules), and see your estimated tax savings. Might put a few hundred dollars back in your pocket at year-end.
Status: Research phaseHow to Use These Tools
📐 Graham Number Calculator — 3 steps
- Pull up the company's most recent 10-K or earnings report (or use any financial data site that shows EPS and book value per share)
- Enter EPS and book value per share into the calculator
- Compare the result to the current stock price — if the price is below the Graham Number, it's worth a closer look
Takes about 5 minutes per stock. Run it before you buy anything.
Try the Graham Calculator →👑 Aristocrat Screener — Start here if you don't know what to buy
- Set a minimum yield that matters to your income goals (3%+ is a reasonable starting point)
- Filter out payout ratios above 75% — you want room for dividend growth
- Sort by years of consecutive dividend growth to see who's been most reliable
- Cross-reference with the Graham Number calculator for any names that catch your eye
Think of this as your shortlist generator, not your buy signal.
Frequently Asked Questions
Are these tools free forever?
The Graham Number Calculator and all calculator tools are free, period. No sign-up, no subscription, no expiration date. We built them because every investor should run these numbers before buying a stock, and charging for basic math felt wrong. The Dividend Aristocrat Screener and Budget Portfolio Tracker will be paid products on Gumroad — one-time purchases, not subscriptions. Pay once, use them as long as you want.
Do I need to sign up to use these tools?
For the calculators: no. Open the page, enter your numbers, get your answer. No email required. For data-storing tools like the Portfolio Tracker: yes, you'll need an account so your portfolio data persists. We don't sell your data or send it anywhere.
Can I export my data?
Yes. Every tool that stores data supports CSV export. Your portfolio data, screener results, calculations — download all of it at any time. You should never be locked into a tool because leaving is too hard.
Why are you building these for free (or cheap)?
Because the investors who need these tools most are usually the ones who can least afford $30/month software subscriptions. We built this because we got tired of value investing advice that only made sense if you already had $500K. Free and cheap tools also build trust — if the Graham Number Calculator helps you avoid a bad stock, you'll come back when we launch the screener.
Stay Updated on Every New Tool
We're dropping new tools throughout 2026 — the Dividend Cut Predictor, Sector Rotation Calendar, more calculators and screeners.
The fastest way to find out when they're live is The Value Brief — our free newsletter for dividend investors. Early access to new tools. No spam. No affiliate pumping.
Subscribe to The Value Brief — Free →Your first issue arrives within 24 hours. Unsubscribe anytime — one click, no questions asked.
Built by Poor Man's Stocks. For investors who work for their money — and want their money to eventually work for them.