Active investors using Delta can already track positions and P/L in real‑time, but they lack a single, coherent view of dividend income (past and future). Users must currently resort to spreadsheets or other apps to:

know how much cash actually hit their brokerage account vs. how much was declared

see dividend yield in their base currency, net of withholding tax

forecast expected portfolio income for budgeting purposes

Smart Suggestions

When user enters symbol & date, the app queries server for declared amount and prefills fields.

Confidence score shown; low score triggers caution badge.

Tax Engine

Global presets (US 30%, CA 25%…) plus “Custom”.

Supports tiered rates (e.g., first €801 tax‑free in Germany).

Option to mark reclaimed withholding, updating net figures retroactively.

DRIP Handling

On payment date, system creates a fractional buy transaction at market close price or broker‑reported reinvest price.

Re‑calculates cost basis and average price.

Multi‑Currency Logic

Dividend declared in pay‑currency → converted to portfolio base using FX rate at payment date (from existing FX service).

User toggle for “lock conversion” vs. “floating” when historical FX rates are updated.

Forecast & Calendar Views

List mode: Upcoming 30/60/90 days with totals and coverage ratio vs. target monthly income.

Heat‑map: Color intensity by daily expected cash‑in. Tap to drill into day details.

Scenario slider: Adjust position sizes ±30% to see impact on 12‑month forward income.

Insights Dashboard

Top‑10 dividend contributors bar chart (net).

Income diversification pie (sector, region, currency).

CAGR of yearly dividend income since first tracked year.