Free dividend checklist

Is your dividend safe? Check it in 2 minutes.

The free 7-point checklist dividend investors use to spot a cut before it happens.

  • The 3 numbers to check first on any dividend stock
  • Why a 9% yield is usually a warning, not a bargain
  • The 10-second formula for how big a portfolio covers any bill

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What's on the checklist

Seven checks in three groups. Run any stock through them in a couple of minutes with numbers from your broker's quote page.

01
Payout ratio

How much of its profit a company pays out, and the line where it gets risky.

02
Cash and debt

Dividends are paid in cash. Two quick checks that show whether the cash is really there.

03
Track record

Growth streak, growth rate and yield history: the signs a dividend will keep rising.

How big a portfolio pays a bill?

monthly bill × 12 ÷ yield

An $80 phone bill at a 4% yield needs $24,000 invested. Your first bill is closer than you think.

Want the whole thing done for you?

The Dividend Paycheck Planner shows which of your bills your dividends already pay, scores every holding for safety, maps your income across all 12 months, and projects your snowball. Excel and Google Sheets.

This checklist is general education, not investment, tax or legal advice. Past dividends don't guarantee future dividends. Examples are illustrations, not recommendations.