DividendCompass Canada
A tax-aware Canadian dividend-portfolio planner that projects after-tax monthly income, scores each holding's safety, and tells you whether to buy it in a TFSA, RRSP, or FHSA.
DIY Canadian investors building a dividend portfolio for retirement income
- After-tax monthly income projection from any watchlist
- Payout-safety score with 10-yr dividend-cut history and FCF coverage
- TFSA / RRSP / FHSA placement recommender based on dividend tax treatment
- Side-by-side competitor comparison (e.g. this vs Telus vs BCE) on yield, growth, and risk
Motley Fool Canada's 'why I'd pick this over Telus or BCE' content is driving Canadian income-seekers to actively rotate out of telecom and into alternatives, but they lack a single tool that turns those opinion pieces into a tax-aware, decision-grade comparison.
Crowd of Canadian-specific tools (MapleDiv, DivTracker, WealthWise, Prospyr, TraderSight, Track My Dividend) plus active Motley Fool Canada Telus/BCE comparison content validates that DIY Canadian dividend investors are actively seeking tools; 'dividend yield' Google Trends confirms baseline interest, but the market is mature rather than surging.Best Canadian Dividend Stocks to Buy: Enbridge, Telus, or BCE? ↗Canadian Dividend Stocks & Portfolio Tools | MapleDiv ↗
Space is crowded — MapleDiv already does 'TFSA and RRSP contributions' + 'estimate Canadian dividend tax,' WealthWise covers TFSA/RRSP/FHSA dashboards, and DivTracker/Track My Dividend handle dividend tracking + projections; no competitor I found surfaces a per-stock TFSA-vs-RRSP-vs-FHSA buy recommendation combined with a safety score, but the broader planner/tracker category is well-served.Best Free Portfolio Tracker for Canada 2026 (RRSP/TFSA) ↗Canadian Dividend Stocks & Portfolio Tools | MapleDiv ↗
Proven willingness to pay in this category: DivTracker Pro $2.50/mo ($29.99/yr), Track My Dividend $4 CAD/mo, The Dividend Tracker paid tier — recurring subscription model is validated; price ceiling is modest (~$30–50/yr typical) so revenue per user is low.DivTracker - Pricing ↗Pricing - Portfolio Manager - app.trackmydividend.com ↗
TFSA/RRSP are permanent Canadian frameworks and FHSA (2023) adds a decades-long retirement-savings vehicle; dividend-income investing for retirement is a multi-decade behavior in Canada and the Motley Fool Telus/BCE rotation is just the latest trigger — demand drivers are structural, not hype-driven.Best Canadian Dividend Stocks to Buy: Enbridge, Telus, or BCE? ↗
Buildable as a calculator-first MVP without broker integration; dividend data is available via free/cheap APIs, but the per-stock TFSA/RRSP/FHSA recommendation requires non-trivial Canadian tax math (eligible vs ineligible dividends, gross-up + DTC, provincial rate variation, foreign withholding on US ADRs, FHSA contribution room logic) which raises complexity above a weekend project.Canadian Dividend Calculators | Prospyr ↗