What DivvyDiary does

DivvyDiary is a personal dividend calendar and portfolio-tracking platform for individual retail investors focused on dividend income from stocks, ETFs, and funds. The product maintains a database of 68,000+ dividend-paying securities (out of 98,590 total securities in its screener) and lets users import portfolios from 14+ European brokers (Trade Republic, Scalable Capital, Parqet, Comdirect, ING-DiBa, Consorsbank, Flatex, S Broker, Smartbroker/Smartbroker+, Onvista, Finanzen.net ZERO, Commerzbank, plus Portfolio Performance CSV). It delivers per-portfolio visualizations of dividend yield on cost, dividend growth (CAGR), annual dividend, historical yield, portfolio total return, and a forward dividend calendar with iCal export. Architecturally, the platform is a full-stack web application with a React SSR frontend, a Node.js/fastify backend, MariaDB persistence, Redis caching, and a BullMQ job queue; analytics is served by Python services using Prophet and Darts for forecasting, with Grafana for monitoring. Mobile clients ship as a PWA/TWA on Google Play and a native iOS app on the Apple App Store (since October 2022).

The business operates on a freemium model. The free "Scrimper" tier offers a single portfolio, broker integrations, and mobile notifications; the paid "Aristocrat" tier at €6.67/month or €79.99/year unlocks up to 5 portfolios, net-dividend calculations with personalized tax settings, full historical analytics, dividend backtesting, 12-month forecasting, community benchmarking, DeepDive (ETF/fund constituent analysis), and iCal calendar export. Payment is via SEPA Direct Debit, credit card, or PayPal, with a 7-day free trial. Distribution is product-led, self-serve, and digital-first through the website, mobile apps, and broker integrations, supplemented by content marketing (blog, Instagram, X, YouTube, GitHub) and earned media in German financial publications and YouTube channels.

DivvyDiary (legal entity QuerGradAus GmbH, headquartered in Korntal-Münchingen, Germany) was founded in October 2019 by Max Große and Johannes Kronmüller as a spare-time project, launched publicly in April 2020 with ~6,500 securities and ~3,000 users, and transitioned to a commercial operation with its first paid employee in October 2021. The company remains bootstrapped and independent, explicitly declaring no external investors, no advertising, and no data sharing. The user base has grown to 100k+ across Germany, the UK, and the US, and the platform tracks over 1 million dividend pay-date events.

Name

DivvyDiary

Legal name

QuerGradAus GmbH

Website

https://divvydiary.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

DivvyDiary is a bootstrapped German fintech platform that tracks personal dividend income for retail investors, covering 68,000+ global securities, integrating with 14+ European brokers, and monetizing through a freemium subscription at €79.99/year.

Ownership category

akta.pro rank

Headquarters

HQ city

Stuttgart

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales

Revenue model

1. Premium Subscription (Aristocrat): Monthly or annual subscription offering exclusive features including 5 portfolios, net dividend calculations, dividend calendar export, all dividend indicators, complete portfolio analysis, dividend income analysis, dividend backtesting and forecast, community benchmark, and DeepDive for ETFs and funds. Additional portfolios available for €16.50/year each.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels13 records

Core offering

DivvyDiary is a personal dividend calendar platform that helps individual investors track upcoming dividend payments from their stock portfolios. It aggregates broker data, forecasts income, and benchmarks dividend performance against the community. The service is offered under a freemium model with a free "Scrimper" tier and a paid "Aristocrat" premium tier priced at €4.99/month or €49/year, operated by the German company QuerGradAus GmbH.

Product overview

DivvyDiary is a personal dividend calendar platform that helps investors track future cash flow from dividend income. The product consists of a unified core platform (DivvyDiary) with two membership tiers: Scrimper (free) and Aristocrat (premium). The platform offers three main integrated components: the Dividend Calendar for tracking upcoming paydays and ex-dates, Portfolio Tracking for managing securities holdings with analytics, and a Securities Screener for discovering dividend-paying stocks and ETFs. The platform covers over 98,000 securities globally and provides features including broker integrations for portfolio imports, calendar synchronization, mobile notifications, and advanced analytics for premium users. DeepDive, Dividend Backtesting, and Dividend Forecasting are premium add-on features within the Aristocrat tier.

Differentiator

Problem solved

Functional benefit

Products and services

• DivvyDiary

Quantifiable outcome

• Track over 1 million dividend pay dates
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core and minor.

• ParqetcoreStrategic or Co-development PartnerDivvyDiary and Parqet forged a strategic partnership announced on 17 July 2020 (per blog post #4) to strengthen shareholder culture in Germany. The partnership includes automatic portfolio import functionality, allowing DivvyDiary users to import their portfolio directly from Parqet. Parqet also displays DivvyDiary dividend data on its platform.
• Scalable CapitalminorGTM or Marketing PartnerScalable Capital is a broker partner featured on DivvyDiary's security detail pages as an advertising partner ('Open an account now →' links). DivvyDiary also displays broker-sponsored content. This is primarily an affiliate/referral marketing relationship driving user acquisition.
• extraETFminorGTM or Marketing PartnerextraETF is featured as a data partner on security detail pages, providing additional ETF data and profiles. Users are directed to extraETF for more data on securities tracked in DivvyDiary.
• ElbstreamminorOthersElbstream provides the DivvyDiary logo and branding assets, as acknowledged on the website footer: 'Logos provided by Elbstream'.
• AbilitatominorGTM or Marketing PartnerDivvyDiary lists Abilitato, a financial blog founded by Jonathan Neuscheler focused on undervalued stocks, under the 'Friends of DivvyDiary' section on the Press page. This is a mutual cross-promotion relationship within the German financial blog ecosystem.
• COINREV FINANZENminorGTM or Marketing PartnerDivvyDiary lists COINREV FINANZEN (run by Bernd) under the 'Friends of DivvyDiary' section on the Press page. Bernd runs a finance blog and is active on YouTube, Instagram, and TikTok. This is a mutual cross-promotion relationship.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Snowball Analytics: Dividend-focused portfolio tracking and analytics platform serving retail dividend investors. Comparable to DivvyDiary in core use case (tracking dividend income and projecting future cash flows), though historically focused on Chinese and US markets rather than DACH.
• Parqet: German portfolio tracking platform that aggregates holdings across multiple banks and brokers. Parqet is both a DivvyDiary partner (mutual data sharing) and a direct competitor, offering similar broker aggregation and visualization features for the same DACH retail investor audience.
• getquin: German personal finance and portfolio tracking app targeting retail investors in the DACH region. Directly comparable to DivvyDiary in target customer (German retail investors) and core feature set (portfolio aggregation across brokers, dividend tracking, performance analytics).
• Portfolio Performance: Open-source portfolio tracking tool popular among German retail investors. DivvyDiary even supports importing Portfolio Performance CSV files. Comparable functionality (dividend tracking, performance analytics) with a power-user orientation vs. DivvyDiary's consumer-friendly UX.

Broad incumbents

• Scalable Capital: Major European neobroker with native portfolio analytics and a referral partnership with DivvyDiary. Comparable in serving the same DACH retail investor segment but offers broader investment services (brokerage, robo-advisory, ETF savings plans) beyond just dividend tracking.
• Trade Republic: Leading European neobroker with over 1 million customers, offering native portfolio tracking and basic dividend views. As one of DivvyDiary's key broker integrations, Trade Republic represents both a distribution channel and a competitive incumbent that could expand its own dividend analytics.
• Yahoo Finance: Largest free financial data platform offering dividend calendars, portfolio tracking, and basic analytics. Represents the dominant free alternative that compresses DivvyDiary's willingness-to-pay, particularly for casual investors not requiring premium features like tax-adjusted net dividends or backtesting.

Emerging players

• Simply Wall St: Visual investment analysis platform with dividend tracking features and snowflake visualizations. Comparable target audience (retail dividend investors) but broader analytical scope and global English-language positioning vs. DivvyDiary's DACH focus.
• Stockevents: German dividend tracking platform focused on dividend events, ex-dates, and payouts. Niche overlap with DivvyDiary's core dividend calendar feature, though Stockevents has narrower functionality and a smaller user base.

Others

• extraETF: German ETF comparison and data platform that is a DivvyDiary data partner. Comparable in serving German retail investors focused on passive investing, with overlapping ETF data and screening functionality, though broader portfolio analytics are not extraETF's core offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/divvydiary
• GitHubgithub.com/divvydiary
• YouTubeyoutube.com/@divvydiary
• Instagraminstagram.com/divvydiary
• LinkedInlinkedin.com/company/divvydiary

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DivvyDiary