1 · Portfolio

Your portfolio is the spine of DiviDrip. Every projection, every payout reminder, every yield-on-cost calculation reads from the lots and cash transactions you log here.

1.1Adding your first stock

1. From the top of any page, type the ticker (e.g. JEPI) into the Search ticker or name field — matches appear in the stock table as you type.
2. Click the matching row to open the Stock Modal.
3. Inside the modal, switch to the My Portfolio tab. This is where buys from your broker get logged.
4. Enter the lot details:
   • Shares — fractional allowed, four decimals (e.g. 15.4382).
   • Cost basis per share — what you actually paid, not today's price. Used for gain/loss math.
   • Purchase date — defaults to today; backdating is fine for historical lots.
   • Is this a DRIP buy? — defaults to No. Flip to Yes only if these shares came from a reinvested dividend (no cash leaves your account, no contribution counted). For a regular broker buy, leave it on No.
   • Cash source (only shown when DRIP = No) — Outside = fresh outside money (counts as a contribution), Inside = pay with portfolio cash you already have (sale proceeds or unreinvested dividends), Split = some of each.
5. Save the lot. The stock now appears in your Portfolio table and is auto-tracked by the live price WebSocket.

1.2Logging a DRIP buy

When a dividend reinvests into new shares, that's a DRIP. There are three ways to log one:

• At the time of the buy — when you're entering the lot on the Stock Modal's My Portfolio tab, flip the Is this a DRIP buy? toggle to Yes. The Cash source picker disappears (no cash is deducted, no contribution recorded) and the lot is filed as a DRIP buy.
• From the payout reminder — when a payout reminder card appears under a portfolio stock, click Add DRIP Buy, enter the shares your broker bought + the per-share price, and save. The new shares fold into your position and the cash dividend is logged automatically.
• Forgot to mark it as DRIP at buy-time? No problem — on the Portfolio page, find the ticker's row and click Show Shares. Each share-lot row carries a small hollow water-drop. Click it and it fills in to — that lot is now tagged as a DRIP buy. Click the solid drop again to flip it back to a regular buy. The icon matches the header brand mark next to “DRIP, what it means for your Portfolio.”

1.3Cash transactions

The Cash Balance ribbon lives inside the Capital Tracker card on the Portfolio page and shows your current cash total. It has five action buttons — each one toggles its own form open or closed (click the same button again to close it):

• Add Outside — fresh outside money you've deposited from your bank/broker. This counts toward Total Contributions on the Capital Tracker (it's your real out-of-pocket).
• Add Inside — cash that came from inside the portfolio (sale proceeds or a cash dividend you didn't reinvest). This does NOT count as a contribution.
• Withdraw Outside — pulling principal back out. Reduces Net Contributions on the Capital Tracker.
• Withdraw Inside — drawing down inside cash (dividends or sale proceeds). Does not reduce Net Contributions — it's portfolio-generated money leaving the account.
• Remove — for fixing typos / mis-entered cash without it counting as a withdrawal. Removes from Outside, Inside, or a Split of both (an extra Source toggle appears inside the form, with a per-side amount field when Split is selected).

1.4Sell / remove a lot

When your broker actually sells shares, mirror it here so DiviDrip's cost-basis math stays correct. On the Portfolio page, find the ticker's row and click Show Shares to expand the lots. Each lot row has two action buttons — Sell Shares (records the sale at a price + date) and Remove from Portfolio (delete a mis-entered lot, no sale recorded). Per-lot sells never auto-FIFO — you choose exactly which lot to close. To sell across several lots at once, use Multi-Share Sell (§ 1.5).

1.5Sell multiple shares in one go (Multi-Share Sell)

When one sell needs to cross several tax lots — say you hold 23.5467 shares across 10 DRIP lots and want to sell exactly 15 — the Sell Multiple Shares widget does the lot accounting for you:

1. From your Portfolio page, click a ticker row to expand its lots, then click Sell Multiple Shares at the top of the lot list (also available in the Stock Modal → My Portfolio tab).
2. Enter the number of shares to sell.
3. Choose a cost-basis method — FIFO is pre-checked because it's the IRS legal default and matches Robinhood's behavior. Click any method name (FIFO, LIFO, HIFO, Low Cost, Tax Lot Optimizer) to see its definition and a Glossary link.
4. Review the live preview — DiviDrip shows exactly which tax lots get consumed, in what order, and the estimated gain/loss split between short-term and long-term. A wash-sale warning appears whenever the sale realizes a loss.
5. Click Execute sell to record the transaction. DiviDrip is a tracker — place the matching trade with your real broker.

1.6Spreadsheet export

At the top of the My Portfolio card is a Google / Excel Sheet button. Clicking it opens a small confirm modal — choose Yes, download to save a pre-filled .xlsx of your portfolio (positions, lots, cash, income concentration, trailing-12 income), or No / the close button / click outside the modal to cancel. After a successful download, a toast suggests uploading the file to Google Drive so you can share it with friends.

2 · Watchlist

The Watchlist is for tickers you're considering, watching for an ex-div opportunity, or just tracking out of curiosity. Doesn't affect your portfolio math at all.

2.1Adding a stock to your watchlist

There are two places to add a watchlist star:

• From the main stock table — every row has a ☆ star in front of the ticker. Click it to add (filled = on your watchlist); click again to remove. Portfolio-page rows are the exception — those rows don't carry a star, by design, to save horizontal space.
• From inside the Stock Modal — click the ★ Watch star at the top of the modal. The label flips to Watching when the ticker is on your list; click again to remove.

2.2Watchlist Radar chips

On the Watchlist page each row carries a strip of decision-layer chips:

• Ex-Div countdown — a sky-blue chip reading “Ex-div in 4d” (or “Ex-div today” / “Ex-div tomorrow”). Only shows when the ex-dividend date is within the next 7 days.
• Trending — orange flame chip reading “Trending”. Surfaces when DiviDrip's community-signal feed lists the ticker as being added to many watchlists across the platform.
• High Yield — appears at ≥ 8% yield (typical band for BDCs, REITs, covered-call ETFs); flips to a rose-coloured “Very high yield” chip above 15% as a distribution-risk warning.
• 52W levels — violet “Near 52w low” chip when price is within 5% of the 52-week low; amber “Near 52w high” chip when within 3% of the 52-week high.
• Income Impact — teal “$X/mo per $1k” chip showing the cash flow per $1,000 invested at the current yield. Hover the chip for a full $1k / $10k / $100k breakdown.
• 5Y YoC — fuchsia chip projecting yield-on-cost 5 years out using the stock's 5-year dividend CAGR (3-year fallback). Only renders when the projection is at least 1.25× the current yield.

2.3Pinned Comparisons (saved face-offs)

Find a face-off you keep coming back to? Open Compare with both tickers → click 📌 Pin pair. The pair now appears on your Watchlist tab as a mini-card with live yields. Up to 15 pins, each with an optional 1-line memo (“watching post-earnings drop”). Sort by recent / largest yield gap / alphabetical.

2.4Ex-Div Alerts (the “bell” button)

Above the Watchlist table sits a violet pill-button with a bell icon ( Alerts) — this is the watchlist-only entry point to the Ex-Dividend Alert Pop-up settings. Click it to choose when DiviDrip should pop up a reminder modal on your first dashboard visit each day for any watchlist ticker whose ex-div date is approaching. Lead-time windows: 1 day before · 3 days before · 5 days before, any mix. Full details (including the matching button on the Calendar page and the My Portfolio card) live in section 5.1.

2.5Watchlist Summary Card

A dashboard-style card sits directly above the Watchlist table and boils your list down to three at-a-glance facts:

• Avg Quality — the mean Quality Score across your watchlist, plus a click-through best / worst ticker. If your watchlist mixes dividend and non-dividend names, the card splits into two side-by-side blocks so the two scoring models never contaminate each other: the left block shows dividend Quality (dividend triangle model), the right block shows Non-Dividend Quality (revenue growth + margins + momentum + insider ownership). A composite grade pill (A+ Elite / A Strong / B Healthy / C Average / D Weak / F Risky) sits above the split.
• Yield Range (or Yield · Rev Growth when the list is mixed) — lowest → highest ticker with clickable ticker chips. On mixed lists the box splits again: yield range for the dividend cohort, revenue-growth range for the non-div cohort.
• Top Sectors — horizontal bar strip showing your top 4 sectors by count. No extra chart dependency, just semantic bars.

A Compare Theses button sits at the top of the card — click it to open a side-by-side Bull vs. Bear breakdown of every ticker's Quality pillars in one grid. Useful when you're deciding which of 5 watched names to actually buy next.

2.6Live event strips above the table

Three self-hiding strips sit between the Summary Card and the Watchlist table. Each is powered by a nightly cron and only renders when there's something to say — no zero-state clutter:

• Unusual Activity — flags watchlist tickers with abnormal price / volume moves in the last session (2σ+ moves, gaps, above-average volume spikes). Click a chip to open the Stock Modal.
• Recent Hikes / Cuts / Freezes — chip strip surfacing dividend actions on your watchlist from the last few weeks. Green chips for raises (with % bump), rose for cuts, amber for freezes.
• Ex-Div ≤ 7 Days — a compact strip showing every watchlist ticker whose ex-dividend date lands in the next 7 days (excluding today). Complements the Ex-Div countdown chip on individual rows by giving you a one-line “here's what's coming this week” view.

2.7Per-row Time Machine

Above the Watchlist table sits a Time Machine toggle pill. Turn it on and every dividend row grows a small backtest bar that lets you pick a lookback window (1y / 3y / 5y / 10y) and see what a hypothetical $1,000 buy on that date would be worth today — with dividends reinvested. Toggle it off for a cleaner list view. The bar is auto-hidden for non-dividend rows (Time Machine is dividend-specific — see section 6 for the portfolio-level What-If tool that handles non-div positions).

2.8News toggle

A Show News / Hide News toggle sits alongside the Time Machine and Alerts buttons. When on, each ticker row shows the last 3 headlines inline with source badges (Reuters, Bloomberg, WSJ, MarketWatch, PR, etc.) and a click-to-open-in-modal behaviour. Great for a morning skim of everything you're watching without opening 20 tabs. Off by default — headlines pull is only made when the toggle flips on.

2.9Starred Filings strip

If you use the Star-a-Filing pin function inside the Plus 10-K / 8-K / Risks tab (see § 11.5), every watchlist row you've pinned SEC filings to grows an inline Starred Filings · TICKER · N pinned strip. Click any starred-filing bar to expand the SEC reader inline — no tab takeover, no leaving your watchlist context. Un-starring the ticker's row on the watchlist cascades and removes every pinned filing for that ticker.

3 · Browsing Stocks

Most of DiviDrip's data is free to view without an account. Sign-in is only needed for the personal-data features (portfolio + watchlist + pins + journal).

3.1The main stock table

• Lands on the dashboard by default. To return here from any other page, click the DiviDrip wordmark or logo image in the top header.
• Default sort is alphabetical by ticker. Sortable column headers: Price · Yield · Div/Yr · Payout (payout frequency — monthly/quarterly/etc) · 1 Mo · 6 Mo · 1 Yr. Click any header to cycle the sort direction.
• Type-ahead search at the top narrows the universe to matching tickers/names as you type.
• Every row has a ★ star in front for one-click watchlist add/remove (see section 2).

3.2The Stock Modal — every tab

Click any row in the main table to open the Stock Modal. Tabs in order from left to right (swipe-able on mobile):

• Dividend Info — current yield, ex-div date, pay date, dividend rate, frequency, recent payout history.
• Stock Metrics — price, market cap, sector, classification chips (ETF / CEF / BDC / REIT / ADR), quality flags.
• Financial Health — the full Massive Financials & Ratios payload for the ticker, in four cards: Live Ratios (P/E, P/B, P/S, P/CF, P/FCF, EV/EBITDA, D/E, ROE, ROA, Current/Quick/Cash ratios — refreshed daily), Income Statement TTM (revenue + YoY, gross/operating/net margins, EBITDA, net income, diluted EPS, diluted shares + share-count creep), Cash Flow TTM (CFO, capex, FCF, dividends paid, and a colour-coded Dividend FCF Coverage ratio — green ≥ 1.5×, amber 1.0–1.5×, red < 1.0×), and Balance Sheet (assets, liabilities, equity, long-term debt, cash, net debt, goodwill, tangible book). Every label is tappable for an inline definition + Glossary deep-link. ETFs / mutual funds show a friendly empty state (they don't file their own financials). Open to everyone.
• Insights — quality score, sector hint, narrative explanations of what the metrics mean. Also surfaces FINRA Daily Short Volume — tap the title for an inline definition + Glossary link.
• Today — today's intraday price chart with pre-market prints and a compare-to-yesterday ghost line.
• Div Growth — historical dividend growth (1y/3y/5y CAGR + bar chart of payouts).
• GrowthNon-div onlyPlus only — the dividend investor's equivalent view for stocks that don't pay a dividend. Revenue CAGR + latest revenue, EPS CAGR + latest EPS (5-year lookback), then 5-year Annual Revenue and Diluted EPS bar charts, plus a full Quality Score Breakdown for growth names (Revenue 3yr CAGR, EPS 3yr CAGR, Return on Equity, Free Cash Flow, Debt/Equity, P/E, Gross Margin) each colour-coded and scored out of 100. Only shows on tickers with no dividend history — and non-dividend tickers themselves only surface behind the DiviDrip Plus paywall.
• Triangle — opens the per-stock Dividend Triangle (revenue × EPS × dividend growth) for this ticker.
• Capital AnalyticsNon-div onlyPlus only — deep-dive quantitative valuation for non-dividend stocks. Includes the Capital Quality Rank (0-100 sector-relative score), Rule of 40 FCF, Founder-Led flag, Market Alpha estimate, share-count creep tracker, capital-return-vs-buyback split, and a full valuation vs. peers panel. See § 11 for a deeper walkthrough of every card on this tab.
• 10-K / 8-K / RisksPlus only — SEC filings reader. 8-K events at top (Item-code chips), then the latest 10-K Business + Risk Factors sections, plus a YoY Disclosure Trend mini-chart. Tap the ★ next to any 10-K section header or 8-K row to pin it to your Watchlist for one-click revisiting (see § 3.4). The Item codes are clickable / inline-defined.
• Insider & InstitutionalPlus only — Form 4 trades (insider buys / sells), 90-day & 12-month roll-ups, the Top 13F institutional holders table, AND a new Initial Insider Positions block that shows Form 3 filings (the very first disclosure an officer / director / 10%-owner files when they take on that role — reveals their baseline ownership stake, useful especially on newly-listed companies). Famous-investor names (Berkshire, Pershing Square, Renaissance, etc.) are flagged with a ★ and a Smart-Money Crossover badge fires when 3+ famous holders overlap (see § 3.5).
• My Position — appears when you own ≥1 share OR have the ticker on your watchlist.
  • Owners see a live, websocket-driven view: avg cost, total paid, market value, unrealized P/L %, today's open / close / high / low / pre-market / after-hours, day P/L, YoC (Yield on Cost), annual income from this position + % of your portfolio income, dividend growth since your first buy, and a sector / vehicle pill.
• My Portfolio — where you enter buys / DRIP buys / view your lots in this ticker.
• Journal — your notes, reviews, and thesis entries tagged to this ticker.
• Yield History — monthly yield-history line for the last few years.
• News — recent headlines for this ticker.
• DRIP Calc — 5y / 10y / 20y reinvestment projection at this ticker's CAGR, with a tax-rate input box (enter any non-negative number).

Drill-down navigation & breadcrumbs. Lots of cards inside the modal link to other tickers — the Peer Group chips on the Insights tab, the ETF Ownership and Top Holdings cards on Stock Metrics, issuer peer tables, and more. Click any of them and the modal swaps to that ticker in place. One hop deep, a ← Back button appears in the header (under the ✕ on phones); go two or more hops deep and it becomes a breadcrumb trail — e.g. KO › PEP › KDP — where clicking any earlier ticker jumps straight back to it. Back and breadcrumb both restore the exact tab and scroll position you were at when you clicked away, so you can burn through a whole peer list or holdings table without ever losing your place.

3.3Screener (deep filtering)

The Screener has its own dedicated page. The entry point is the small blue funnel icon labelled Screener (or Stock Screener on desktop). It appears below the top header, near the top of the page, in the toolbar row alongside the Search field and the Challenge dropdown. It shows on most every page — the Screener page itself and the three Challenge pages (Kings / Aristocrats / Achievers) are the only places it's hidden.

30+ filter criteria — yield bands, market cap, sector, tier, classification (ETF / CEF / BDC / REIT / ADR), payout frequency, and quality flags — combined with AND logic.

The Screener is organized into collapsible filter sections so you don't have to scroll past filters you don't care about. The default sections are dividend-first (Yield, Streak Tier, Payout Frequency, Quality, Classification, Sector, Market Cap, Price Action). Additional Non-Dividend sections unlock behind the DiviDrip Plus paywall — Revenue Growth CAGR, EPS Growth CAGR, Capital Quality Rank, Founder-Led flag, Rule of 40 FCF, and share-count creep. These filters mirror the Growth + Capital Analytics tabs (see § 11). Free users see the Plus sections rendered in a locked state with an upgrade CTA — no half-working filters, no ambiguity.

The screener results table also defaults to alphabetical and is sortable by: Price · Yield · Div/Yr · Payout · Quality (quality badges) · 1 MO · 1 YR. Plus subscribers get two additional sort columns for non-div rows: Capital Quality Rank and Rev CAGR.

3.4Badge Key — decoding every row badge

The stock table rows are dense with badges and abbreviations — tier crowns (King / Aristocrat / Achiever), classification chips (CEF / BDC / REIT / ADR / LEVERAGED / FUTURES), action chips (CUT, RAISE, streak flame), and a YIELD TRAP detector. To decode any of them, click the small Badge Key button (key icon + amber accent + chevron). It opens a popover with every badge the app uses, what it means, and tap-to-pin so the badges you look up most stay at the very top of the list.

The Badge Key button lives in the toolbar row of most every page — on the dashboard it sits to the right of the Challenge dropdown; on the Screener and the Challenge pages it sits in the same toolbar; on the Stock Modal small "?" helper icons next to mystery badges (LEVERAGED, CEF, BDC, etc.) jump you straight to that row inside the same key. Tap below to try it live:

3.5Challenges — Kings, Aristocrats & Achievers

The Challenge dropdown opens three curated pages that filter the universe down to the most disciplined dividend growers. Each list is updated quarterly so the leaderboard reflects the latest reality:

• 👑 Kings Challenge — companies with 50+ consecutive years of dividend increases. The hardest tier to achieve.
• 🏆 Aristocrats Challenge — S&P 500 members with 25+ consecutive years of dividend increases.
• 🎖️ Achievers Challenge — any US-listed company with 10+ consecutive years of dividend increases.

On the dashboard the dropdown sits at the left edge of the toolbar row (under the search field), next to the Badge Key. Each page is a focused leaderboard you can sort, screen, and click into. Tap below to try the dropdown:

3.6Founder-Led — where the founder still owns the float

Founder-Led is a curated leaderboard of US-listed companies whose founder, long-tenured CEO, or founding insider still holds a material personal stake in the float. The list is rebuilt nightly from SEC Form 3 filings — the very first ownership disclosure an officer or director is required to file — so it captures skin-in-the-game across the entire IPO history of the market, not just today's headliners.

A universe toggle at the top switches the leaderboard between Dividend payers (the free default), All, and Non-Dividend — the latter two are DiviDrip Plus views since founder-led growth names live in the non-dividend universe. Three tier chips (with live per-universe counts) let you filter by how much of the float that top insider owns:

• Skin in the Game — top insider owns ≥ 10% of the float. The floor for “incentives align with shareholders.”
• Deep Ownership — ≥ 20%. Founder-CEO territory; dilution costs them meaningfully.
• Insider Titan — ≥ 30%. Effectively owner-operators. Rare on large caps.

Each row surfaces the top holder's name, their exact float percentage, market cap, 1-year price return, and the ticker's Capital Analytics verdict (BUY / WATCH / AVOID — see § 11.2). The table has sortable column headers (click to cycle direction, with a one-click sort reset), a type-ahead search box, and pagination — so a 500-name universe stays navigable. The page also carries a Freshly Detected This Week card highlighting tickers where the Form-3 founder-stake flag just tripped in the last 7 days; it follows the active universe toggle, hides itself when the week is quiet, and each tile has its own Share on X button — useful for catching (and broadcasting) newly-IPO'd founder-controlled names before they show up on other screeners.

Every row has a ★ watchlist star and a Share on X button; the whole page also carries its own page-level share button so you can broadcast the current filter view. Under the hood, the filter deliberately excludes corporate-parent subsidiaries and pre-revenue founder-controlled biotechs — the two most common false positives when people run a naïve “insider ownership” screen. See the on-page essay for the full methodology.

3.7IPO Watch — new REIT / CEF / BDC / MLP / Preferred launches

IPO Watch tracks the IPO pipeline from an income-investor angle — not the growth/SPAC noise most IPO trackers focus on. It surfaces newly-listed REITs, Closed-End Funds, BDCs, MLPs, Preferred Stocks, and Baby Bonds from the last 30, 90, or 180 days, sourced nightly from SEC IPO filings.

• Window toggle — 1 Month / 3 Months / 6 Months. The header caption shows the live “dividend-classified IPOs out of total listings” ratio for the selected window.
• Vehicle chips — REIT, CEF, BDC, MLP, Preferred, Baby Bond, and “All Dividend” vs “All IPOs (incl. growth)”. The All IPOs switch is a DiviDrip Plus view — non-dividend listings sit behind the Plus paywall.
• SPAC Volume Signal card — a market-froth gauge showing SPAC IPO counts over 30/90/180 days. HOT / ELEVATED / NORMAL / COLD badges flag when SPAC volume spikes (typically a cycle-top warning) or collapses (usually a flight-to-quality tailwind for dividend investors).
• Freshly Listed — Last 30 Days — a compact strip of the newest listings. It follows the active dividend / all switch, hides itself entirely when the window is empty, and every tile carries its own Share on X button with pre-filled copy.
• Sortable table — click any column header to cycle the sort (with a one-click reset), narrow the list with the type-ahead search box, and page through long windows with the pagination controls.

Every row shows the ticker, issuer name, listing date, vehicle badge, and — if the ticker has already made it into our nightly cache — a ★ to add it to your Watchlist plus a per-row Share-to-X button with pre-filled copy. Rows for pre-cache tickers deliberately hide the watchlist star (there'd be no data behind it if you clicked it); the star fades in the next day once the nightly cache catches up.

4 · Compare & Pin

4.1Open Compare

There are three places to launch Compare:

• From any Stock Modal — click the ⇄ Compare button. That ticker auto-locks into slot A; pick a slot-B ticker via search.
• From the Portfolio page — the Benchmark Comparison card carries a Compare launcher (both slots open empty for free typing).
• From the Tool Box — the Compare tool on the Portfolio page's Tool Box (see section 6).

4.2Reading the yield chart

• Two colored lines: A in sky-blue, B in violet. Last 36 months of monthly yield.
• ⬥ diamonds mark crossovers — months when one ticker overtook the other.
• Scale legend up top shows the Y-axis range + each ticker's peak yield. If one peak is 3× the other, an amber 9.1× skew warning appears.
• When skewed, click the Log toggle to flip the Y-axis to log10 — both lines regain useful vertical space.

4.3Pinning a face-off

Action buttons under the chart: Export PNG, Share on X (opens Twitter/X with a pre-filled post), Copy (copies the takeaway caption to your clipboard), and 📌 Pin pair. Click Pin pair to save the comparison to your Watchlist tab as a mini-card with live yields. After pinning, a tiny 📝 Add a note… pill appears — click to type a 1-line memo (140 chars). Editing the memo doesn't reorder your pinned cards.

4.4Triangle Compare

The Triangle compares up to four tickers at once on a single radar chart. For each ticker it shows Revenue, EPS, Dividend, an overall Score, and a Flag if one applies — either Trap or Weak. Click Share to open the Triangle Share modal: it renders a branded 540-pixel-wide PNG card you can download or drop into a Twitter / Discord / Reddit post.

4.5Compare Theses (Bull vs Bear, side-by-side)

Compare Theses stacks the LLM-generated Executive Summary brief of two tickers next to each other. Each column shows a compact stat strip at the top (Score · Verdict · Yield · Chowder · Buy Checklist pass count) followed by the full brief — Executive Summary paragraph, Bull Case, Bear Case, and What Changes Our Mind. Use it to answer questions like “Is KO or PEP a better entry today?” or “How does this BDC compare to the one I already own?”

The button lives in four places:

• Triangle tab (inside any Stock Modal) — Stock A is locked to that ticker; pick a 2nd ticker to compare against.
• Standalone Triangle page (/triangle/<ticker>) — same locked behaviour.
• Watchlist Snapshot card on the dashboard — free-mode, pick any two tickers (they don't have to be on your watchlist).
• Tool Box on the Portfolio page — free-mode.

The modal saves your last 5 ticker pairs as quick-reload chips. The backend caches each brief for 24 hours per ticker, so re-opens are instant if you compared recently and take 3-5 seconds (up to 12 for tickers we haven't seen recently) on a fresh run. Both columns show a spinning loader with the text “Please wait, creating theses now…” until each side independently resolves.

5 · Dividend Calendar

The Dividend Calendar is reachable from two places on the Portfolio page — the 12-Month Income Heatmap card carries a Calendar button, and the Tool Box also lists Calendar as one of its tools. It shows every ex-div date and pay date for the tickers in your Portfolio and Watchlist.

Two controls sit next to the page title:

• Scope toggle — flips the whole calendar between Portfolio only and Portfolio + Watchlist. It shares state with the 12-Month Income Heatmap toggle on the dashboard, so both surfaces always agree.
• 🔔 Alerts button — opens the Ex-Dividend Alert Pop-up settings panel (see 5.1 below).

Reading the grid — the Key above the calendar:

• Amber / gold dot & pill = Ex-Div date (you must own before this date to catch the dividend).
• Green $ = Pay Date (cash hits your account).
• Blue edge bar = the event comes from your Portfolio · purple edge bar = from your Watchlist.
• Weekend exchange rule applied to both ex-div and pay dates: Saturday rolls back to Friday, Sunday rolls forward to Monday.

Above the month grid:

• Annual Income Overview — your estimated dividend income for the year, plus twelve month pills showing each month's payment count and estimated cash (teal = high income, grey = no payments). Click any pill to jump the calendar to that month — perfect for spotting gaps in your passive-income stream.
• Summary cards — Tracked Stocks (respects the scope toggle), Est. Cash This Month (from portfolio positions only — watchlist tickers don't pay you), and Payments This Month.

Click any day cell to open a per-day event modal listing the tickers paying or going ex-div that day, each tagged Portfolio or Watchlist. The ticker symbol in the modal (shown in gold/yellow) is clickable — click it to jump straight into that ticker's Stock Modal. The event modal closes automatically when you do. If some of your lots were bought on or after a cycle's ex-div date, an ineligibility chip explains those shares start collecting on the next cycle.

At the bottom of the page, a Historical Earnings (Hypothetical) card shows what your current positions would have earned in each of the last few calendar years using real historical payments — clearly labelled hypothetical, with per-year coverage badges so you know which numbers have full data behind them.

5.1Ex-Dividend Alert Pop-ups

Click the 🔔 Alerts button next to the calendar title to configure a reminder modal that appears on your first dashboard visit each day, listing upcoming ex-dividend dates so you never miss a buy-by date. Settings:

• Portfolio ex-div alerts — on/off toggle for the stocks you own, with a scope choice of current portfolio or all portfolios. No per-ticker picking — it's the whole portfolio or nothing, by design.
• Watchlist ex-div alerts — a separate on/off toggle for tickers you watch but don't own. (The watchlist-only version of this panel is also reachable from the Watchlist tab.)
• Lead-time windows — for each source, pick any mix of 1 day before · 3 days before · 5 days before. Selecting multiple windows fires multiple reminders for the same ex-div date.
• Live preview — as you toggle windows, a list updates in real time showing every alert that will fire (Ticker · Ex-Div · Alert date). Collapses to 3 rows with a Show-more footer.

6 · Tool Box & 13 Portfolio Tools

The Tool Box is a one-click hub for 13 portfolio tools. Look for the toolbox icon labelled “Tool Box”:

• Desktop / large screens — in the Portfolio Summary projection-fidelity row, just under the headline tiles at the top of the My Portfolio card. Sits in the same row as the forward/TTM and projection pills.
• Phone / small screens — just above the search form, alongside the badge-key dropdown.

The 13 tools (alphabetical):

• All Transactions — full ledger of every buy / DRIP / sell / cash move.
• Basic Calculator — quick number-cruncher for ad-hoc math.
• Calendar — opens the Dividend Calendar (see section 5).
• Compare — launches the Compare modal (see section 4).
• DRIP Calculator — portfolio-wide projection at your blended CAGR. Set a Timeline (Years) between 1 and 50 (whole years only — 5, 10, 20, 40 — your call), a monthly contribution (with per-ticker allocation), a global price-growth knob, a global div-growth knob (seeded at your portfolio's 5-year CAGR ÷ 10), and a Tax Rate input (defaults to 15% — qualified-dividend bracket; type any non-negative number for honest after-tax projections).
• Export CSV — full portfolio export as a comma-separated file.
• Google / Excel Sheet — downloads a spreadsheet snapshot of your entire portfolio (same file as the button at the top of the My Portfolio card). Uses the DiviDrip .xlsx template — you can edit lots, prices, DRIP flags, cash transactions inside Excel or Google Sheets, then bring it back through Import (see below).
• Import CSV — a 3-step (Pick → Preview → Done) importer that handles four different input types:
  • Broker exports — Robinhood, Fidelity, Schwab, Vanguard, and other native formats are auto-detected. Buy / DRIP / Sell / cash-in / cash-out rows all map correctly, including IRA contribution codes (CFIR) and IRA Match deposits (MTCH) which land as outside-cash. Fuzzy-match suggestions clean up variants like BRKB → BRK.B.
  • DiviDrip Google / Excel Sheet template — upload the .xlsx file you downloaded from the tool above. Because it's a full-portfolio snapshot, the importer fires a destructive-reset confirmation dialog the moment you pick the file — this replaces your portfolio rather than appending.
  • Any other spreadsheet (previous tracker, custom broker) — if the format isn't recognized, the “Different brokerage? Map columns manually” link opens the Column Mapper. Point each DiviDrip field (Ticker, Shares, Cost/Share, Trade Date, Action, Notes, etc.) at the matching column in your CSV, preview the mapping, and import. Great for older brokerages the auto-detector has never seen.
  • Per-batch broker tag — an optional dropdown on the Preview step lets you tag every lot in this import with a single broker label. Feeds the Account Audit page (see Tax Lots below).
  Two safety features apply to every import: Skip Duplicates (already in your portfolio) is on by default, and if the import fails for any reason your existing data is left untouched.
• My Share Page — generate a shareable public link to your portfolio (you control what's visible).
• Rebalancer — sector / weight rebalancing suggestions.
• Tax Lots — read-only educational view of long-term vs short-term holdings + harvest candidates. Companion pages sit alongside it: Account Audit (a broker-tagged breakdown of every position with the per-broker filters set on Import CSV — useful when you have positions spread across 3+ brokerages and want a single roll-up), and Year-End Report (a tax-season summary of realized gains / losses, ordinary vs qualified dividend income, and NIIT exposure for the closing calendar year — designed to make your tax prep or CPA hand-off painless).
• What If? — portfolio-level simulator. Forward mode lets you add / remove positions, apply Quick Scenarios, dollar-cost average, toggle DRIP on/off, and project the portfolio forward. Reverse Mode flips the button to Run Backtest and replays your current portfolio across a past period to show how it actually would have performed (with or without DRIP) — including benchmark overlays.
• Year-End — year-end summary report for tax season.

7 · Dashboard Highlights

The main Dashboard is more than just the stock table. A stack of self-hiding widgets sits above it, each surfacing a different lens on the current market and your holdings. All are free to view.

7.1Macro Context Strip — 10 cards, sparklines & a Macro Story

A horizontal strip of 10 macro cards runs across the very top of the dashboard, refreshed on the same cadence as the underlying feeds. Each card surfaces a single macro indicator with a colored tint reflecting its current state (green = tailwind, amber = neutral, rose = headwind):

• 10-Year Treasury, 2-Year Treasury, Yield Curve (10Y − 2Y), SPY Dividend Yield, Fed Funds Rate, CPI (headline), Core PCE, 5-Yr Breakeven Inflation, Unemployment, and USD Index.
• Every card carries a mini 30-day and 12-month sparkline, with a context-aware end dot (green when the current level is a tailwind, rose when it's a headwind) so you can read the trend and its meaning in the same glance.
• Tap any card on mobile (hover on desktop) to open an “What it means” modal. If you're signed-in, a “What it means for YOUR portfolio” paragraph appears beneath the generic explanation — it reads your holdings via the lightweight /api/portfolio/macro-flavor endpoint and generates a 1–2 sentence personalized impact (e.g. “Your REITs (O, WPC) face pressure as the risk-free rate rises”).
• Above the strip, an auto-generated Macro Story banner summarizes the current regime in plain English and — when the confidence is high enough — matches today's tint fingerprint against 5 hardcoded historical regimes (Late-cycle inflation squeeze 2022–23, 1970s stagflation echo, Goldilocks 2013–15/17, Recession onset 2008/2020, Rate-hike cycle top 2018–19) via Hamming distance. A confidence pill (Strong · Approximate · Loose) tells you how much weight to put on the historical read.
• A separate Late-Cycle Warning banner can appear above everything when any of four classic recession-tell rules fire: Sahm Rule (3-mo avg unemployment ≥ 0.5pp above the 12-mo low — historically ~5 months ahead of every recession since 1970), JOLTS decline (job openings ≥ 15% off the 12-mo peak), Labor-force participation drop (≥ 0.5pp over 3 months), and Wage-growth deceleration (YoY hourly earnings falling for 3+ consecutive months). Confidence tier is HIGH if Sahm fires, MEDIUM if 2+ non-Sahm rules trigger, LOW if just one triggers. The banner is dismissible for 24 hours (auto re-appears the next day if the signal is still live, and auto-invalidates whenever a new month of labor data lands).

7.2Squeeze Radar

A compact strip labelled SQUEEZE RADAR in amber surfaces the top 5 short-squeeze candidates in the market that day, ranked by short-interest as a percentage of float and days-to-cover. Each chip shows the ticker, its SI% of float, a verdict pill (Low / Medium / High / Extreme), and clicks through to the Stock Modal. A help icon links to the /learn/short-squeeze-dynamics guide for the mechanics. The strip auto-hides after 48 hours of staleness — never lies about freshness.

7.3Streaks Extended & Streaks At Risk

Two thin one-line strips sit below the Squeeze Radar, each self-hiding when there's nothing to say:

• Streaks Extended — companies with 10+ year raise streaks that just declared another raise, keeping the streak alive. Each chip shows the ticker, streak length, the % of the raise, and if you own the position, a “+$X/yr for you” tag with the exact annualized income bump.
• Streaks At Risk — Kings / Aristocrats / Achievers whose next declaration window is closing without a raise announcement yet. Yellow badge chips. Click through to the streak-risk chart modal for the historical raise timing.

7.4Top Dividend Movers & Capital Quality Top 10

Two side-by-side leaderboards sit below the streak strips:

• Top Dividend Movers — a flip-toggled Gainers / Losers list of dividend stocks with the biggest 1-day moves. Leveraged (2×, 3×) ETFs are automatically filtered out of the visible list so a 12% pop on a leveraged fund never crowds out an actual signal. A size toggle picks between Top 3 / 5 / 10. Every row carries a ★ watchlist star and a click-to-modal.
• Capital Quality Top 10 Plus only — leaderboard of the highest-scoring non-dividend stocks this week by the 4-factor Capital Quality model (see § 11.2). Refreshed every Sunday at 02:00 UTC. Size toggle picks between Top 5 / 10 / 25. Because non-dividend stocks are gated behind Plus, the entire widget only renders for Plus subscribers.

8 · Journal & Learn Guides

Two educational surfaces that support the platform beyond the raw data — a personal journal that turns your buys / sells / observations into a searchable trade diary, and a growing library of long-form guides that unpack the concepts DiviDrip surfaces everywhere else.

8.1Journal

The Journal is for free-form notes and structured entries per ticker. When you create an entry you pick one of six types:

• Thesis on Add — why you bought.
• Thesis on Sell — why you sold.
• Dividend-Cut Note — record of a cut or freeze and your reaction.
• Ex-Div Week — observations during a payout window.
• Free Note — anything else worth remembering.
• Periodic Review — the body of a Weekly or Monthly Review check-in (see below).

A seventh type, JNL Starter, is auto-generated when you import a Robinhood JNL row that lacks context — it lands in your journal as a draft for you to fill in. You can't pick this type yourself in the entry editor.

The Journal page also shows a Weekly Review and Monthly Review check-in button that lights up DUE on cadence. Clicking it opens a guided modal that saves a journal entry tagged weekly-review or monthly-review, with prompts for what happened, what you'd do differently, and your overall feeling — handy for a structured monthly self-review.

8.2Conviction vs Outcome chart

Once you have 20 entries that include both a ticker AND a conviction value, the Journal unlocks the Conviction vs Outcome chart. It plots how your high-conviction trades actually performed. Most investors find their conviction is barely correlated with returns — useful, painful truth.

8.3Learn Guides — the deep-dive article library

/learn is a growing library of long-form educational guides that unpack the concepts DiviDrip surfaces across the app. Every guide is written by hand (no LLM slop), grounded in the same data model the rest of the site uses, and cross-linked back to the relevant tabs / widgets.

A representative slice of what's in there today:

• Foundations — What Is DRIP, DRIP vs Cash, Yield on Cost, Dividend Kings vs Aristocrats vs Achievers, Dividend Calendar Months, Ex-Dividend Timeline.
• Fundamentals & risk — Dividend Traps, Dividend Cuts of the Decade, Beneish M / Altman Z forensic safety, Debt-to-Growth Ratio, Cost Basis Methods, Foreign Ordinary Shares Tax.
• Products & comparisons — SCHD vs VOO, SCHD vs DGRO, JEPI vs JEPQ, Covered-Call ETFs, Evaluating Dividend ETFs, Bonds vs Dividends.
• Non-div & growth — Rule of 40, Free Cash Flow Growth, Anatomy of a Stock Buyback, Founder's Vision, Capital Appreciation Playbook, Disruptive Innovation, Cyclical Growth Investing, Exit Strategy for Non-Dividend positions.
• Portfolio & behaviour — Build $5k Monthly, First 10 Tickers, Four Phases of an income portfolio, Boring is Beautiful, When to Sell, Hidden Gems vs Value Traps.
• Market mechanics — Short Squeeze Dynamics (linked from Squeeze Radar), 9% Yield Safe?, NIIT Surtax (linked from the Year-End Report banner).

Most guides are 5–15 minutes long, mobile-friendly, and free. Where a guide directly relates to a paywalled surface (e.g. Capital Analytics), the guide itself is still free — the paywall only gates the interactive tool, not the education.

9 · Site Navigation

9.1Header & navigation buttons

• Header logo & wordmark — the DiviDrip image and the “DiviDrip” text in the top header act as the home button. Click either one from any page to return to the main dashboard.
• Back / Home combo button — every sub-page (Tax Lots, Triangle, Shared Portfolio, Journal, Screener, etc.) carries a single button at the top-left that acts as both Back and Home depending on context. The dashboard itself doesn't show it (you're already home).
• Header action pills — My Portfolio, Watchlist, Journal, theme toggle, and sign-in / sign-out.

9.2Keyboard shortcuts

Keyboard support is intentionally minimal — most interactions are designed for mouse + touch:

• Esc — closes any open modal (Stock Modal, Calendar event modal, Compare, Review, Calculator, Journal entry editor, etc.). On sub-pages with the Back/Home combo button, Esc also triggers Back when no modal is open.

Inside the Stock Modal, switch tabs by tapping the tab strip on desktop or swiping left / right on mobile — see 9.4.

9.3Light / dark mode

The header carries a three-button segmented toggle — ☀ Light · 🖥 Auto · 🌙 Dark. Light and Dark override everything. Auto is market-aware: it shows Light during US stock-market hours (Mon–Fri 9:30 AM – 4:00 PM, local time) and Dark outside those hours — evenings, overnight, and full weekends. The switch happens automatically at the open and close bells. The choice persists per browser. The DiviDrip wordmark gradient adapts for contrast in both modes. (The public landing page /landing/1 is brand-locked dark — the toggle is hidden there by design.)

9.4Mobile gestures

• Swipe left / right inside the Stock Modal to walk through the tabs in order. A one-time chevron hint appears on first touch use, then stays out of your way.

10 · Glossary & Privacy

New to dividend investing? The Glossary defines every term DiviDrip uses (ex-div, DRIP, yield-on-cost, CAGR, payout ratio, qualified vs ordinary, etc.) in plain English, with cross-links so the moment you hit an unfamiliar word you can jump straight to its entry.

With 220+ terms the page can be a long scroll, so a search box sits at the top. It matches term names, common aliases, and definition text as you type — even abbreviation-style queries work (“ytrap” finds Yield Trap). A live match counter shows how many terms fit, the A–Z jump bar greys out letters with no matches, and one click on the ✕ (or the reset link) restores the full glossary.

Our Privacy Policy spells out exactly what data we store — your email + bcrypt password hash (or Google profile data if you sign in with Google), your portfolio lots and transaction history, your watchlist and pins, your journal entries, your monthly income goal, and any public-share slug you create. DiviDrip never asks for or stores your brokerage login or API credentials; the app is read-only and nothing trades on your behalf. You can hard-delete your account (and everything we have on you) yourself from the Privacy Policy page once signed in, or by email.

11 · Deep-Dive Modal Tabs Plus only

Four Stock-Modal tabs go well beyond the standard Dividend Info / Metrics / Financial Health trio, and all four are gated behind DiviDrip Plus. Two of them (Growth and Capital Analytics) only appear when the ticker itself has no dividend history — and because non-dividend tickers only surface anywhere on the site behind the paywall, they're effectively Plus-only in both senses. The other two (10-K / 8-K / Risks and Insider & Institutional) are Plus-gated on every ticker, dividend or not. A fifth capability, Star-a-Filing, isn't its own tab — it's a pin function that lives inside the 10-K / 8-K / Risks tab and threads through to your Watchlist.

11.1The Growth tabNon-div onlyPlus only

The Growth tab is the non-dividend answer to Div Growth. When a stock has no dividend history to chart, we swap in the two fundamentals that do compound for equity-only holders — revenue and earnings per share — and score them on the same rigor as the dividend growers.

• Four headline stat cards at the top of the tab: Revenue CAGR (5-year compound annual growth rate on top-line), Latest Revenue (most recent full fiscal year), EPS CAGR (5-year compound annual growth of diluted EPS — negative EPS periods are flagged), and Latest EPS. Each CAGR is colour-tinted green / amber / rose against the growth-quality thresholds.
• Two annual bar charts — up to 5 years of Annual Revenue and Diluted EPS as vertical bars. Hover any bar for the exact value plus the year-over-year percent change vs. the previous bar (green ↑ / rose ↓). The EPS chart handles negative bars gracefully (bars flip below the zero line, colouring adjusts).
• Quality Score Breakdown — the flagship card on this tab. Seven weighted signals combine into a 0–100 growth-quality score with a tier label (Elite / Strong / Solid / Fair / Weak). Each signal shows its own points contribution:
  • Revenue 3-yr CAGR — up to 20 pts. Rewards durable top-line growth.
  • EPS 3-yr CAGR — up to 20 pts. Rewards durable bottom-line growth (harder — margin expansion or buybacks help).
  • Return on Equity — up to 15 pts. Rewards capital efficiency.
  • Free Cash Flow — up to 15 pts. Positive FCF is table stakes; growing FCF scores higher.
  • Debt / Equity — up to 10 pts. Rewards a conservative balance sheet.
  • Trailing P/E — up to 10 pts. Reasonable multiples score higher; negative or triple-digit P/E scores 0.
  • Gross Margin — up to 10 pts. Rewards structural pricing power.
  All seven signals are re-scored nightly from Massive Ratios + Income Statements. Missing signals show “n/a” and don't drag the score.

11.2The Capital Analytics tabNon-div onlyPlus only

Capital Analytics is the deep-dive quantitative valuation panel for non-dividend stocks — an equity-quality workbench built around a proprietary Capital Reinvestment Score (0–100, sector-relative) and a plain-English BUY / WATCH / AVOID verdict. The score is rebuilt every Sunday at 02:00 UTC from Massive financial data plus a battery of forensic accounting checks. Every card is designed to be readable on its own, but they stack into a coherent thesis when read in order:

• Capital Reinvestment Score (header card) — the big number (0–100), a WoW delta pill (last week's score), the sector-relative verdict, and 3–4 auto-generated bullet points explaining why the score is what it is (e.g. “CFROI of 18.4% — exceptional cash generation vs. Technology peers”). A Rank Breakdown row shows how the raw composite z-score was penalised by the forensic and checklist gates.
• Capital Allocator Checklist — five pass/fail gates borrowed from institutional-quality frameworks: (1) Shareholder Yield + Revenue CAGR > 12%, (2) CFROI > 15%, (3) Dilution restrained (share count YoY < 1.5%), (4) Operating Momentum positive, and (5) Altman Z above distress (> 1.23). Each failure drags the header score.
• Our Take — one paragraph of plain-language commentary that translates the verdict + checklist into “here's what this actually means for a long-term owner.” No boilerplate — each string is templated off the ticker's actual numbers.
• Capital Reinvestment Triangle — a three-spoke radar chart plotting Revenue CAGR, ROIC, and Shareholder Yield as sector-relative percentiles (50 = median peer, 90 = top decile). Anchoring is done via a normal-CDF conversion of the persisted sector-neutralised z-scores, so a spike is a real peer-relative signal — not a hardcoded visual multiplier.
• Forensic Safety & Momentum — four accounting integrity + momentum rows: Modified Altman Z (distress zone), Beneish M-Score (earnings-manipulation risk), Operating Momentum (are things accelerating or decelerating?), and Share Float YoY (dilution watch). Amber / rose flags surface immediately if any zone flips into warning territory.
• Buyback Effectiveness — an on-demand card scoring how many dollars of dilution actually get retired per dollar spent on buybacks. A high number (near 1.0) means the buyback is genuinely shrinking the float; a low number means option grants are eating the repurchases. Includes an explainer tooltip.
• Rule of 40 (FCF variant) — the classic SaaS test (Revenue Growth % + FCF Margin % ≥ 40%) adapted to work for any capital-light compounder. Green when passing, amber near threshold, rose when failing.
• Shareholder Alignment — the “alternative yield” card for non-div names. Shareholder Yield (buybacks + net debt paydown), ROIC, CFROI, and Revenue CAGR each shown against sector thresholds with mini range-bars, so you can see the capital-return story without a dividend line item. A caveat fires if buyback dollars aren't translating into float shrinkage.
• AI Thesis — an optional LLM-generated Bull vs. Bear breakdown card grounded in the numbers above. Deterministic seed per ticker (won't change every render); regenerates on schedule.

Because the score is sector-relative, a 72 in Utilities is not the same universe as a 72 in Semis — the model always ranks against peers first, so the verdict never rewards a tech stock for having 30% margins that are actually below its sector median. That's the whole point of the framework.

11.3The 10-K / 8-K / Risks tab Plus only

Open any stock's modal and tap 10-K / 8-K / Risks. The tab loads in three staggered panels, fastest first:

• Recent 8-K Material Events (top, loads first) — the last 10 8-K filings with Item-code chips (1.01 Material Agreement, 2.02 Earnings Release, 5.02 Officer Change, 5.07 Vote Results, 7.01/8.01 Other, 9.01 Exhibits). Tap any row title to open the filing in an in-app reader; no jumping to sec.gov.
• Latest 10-K Sections — Business Overview (Item 1) and Risk Factors (Item 1A) from the most recent 10-K. Both are full-text searchable inside the in-app reader.
• Risk Factors panel — every Item-1A risk row, grouped by primary category. A YoY Disclosure Trend mini-chart at the top shows how each category's row count moved between this 10-K and last year's — rising counts (rose) suggest more risk being braced for; falling counts (emerald) suggest something resolved. Tap any bar to filter the row list to that category. See the full taxonomy in the Risk Factors glossary entry.

11.4The Insider & Institutional tab — and the Smart-Money Crossover badge Plus only

The Insider & Institutional tab surfaces two SEC datasets side by side:

• Recent Insider Trades (Form 4) — open-market buys and sells by executives, directors, and 10% owners, reported within 2 business days. Each row shows the insider's name, role, transaction code (P = open-market purchase — high signal; S = sale; M = option exercise; A = grant award), shares, and dollar value. 90-day and 12-month cluster roll-ups help you spot multi-insider buying patterns.
• Top Institutional Holders (Top 13F) — the largest professional investors holding the stock, pulled from the quarterly 13F filings every fund with $100M+ in assets must submit. Top 25 by market value, with filer names resolved live from SEC EDGAR. ★ flags famous investors (Berkshire, Pershing Square, Renaissance, Bridgewater, Two Sigma, Citadel, Soros, Viking, Burry, Einhorn, Tepper, etc.). Click any famous-investor name to drill into their full portfolio.

When 3 or more famous holders all hold the same ticker, a Smart-Money Crossover badge fires at the top of the tab:

• Consensus — 3 to 5 famous holders.
• High-Conviction — 6 or more.

Treat the badge as a signal, not advice. Famous managers can be wrong; use the badge to surface names worth a closer look, never as a buy trigger.

11.5Star-a-Filing — a pin function inside the 10-K / 8-K / Risks tab Plus only

Star-a-Filing isn't its own tab — it's a lightweight pin control that lives on every 8-K row and every 10-K section header inside § 10.3. Click the ★ and three things happen:

• The filing is saved to your personal “pinned filings” list.
• If the ticker wasn't already on your Watchlist, it's auto-added (and the header “Watchlist N” counter bumps).
• The matching ticker row on the Watchlist page (My Lists → Watchlist) grows a Starred Filings · TICKER · N pinned strip showing every starred filing as a clickable bar.

Click a starred-filing bar on the Watchlist to expand it inline — the in-app SEC reader opens with Copy / Print / PDF / Source / red X controls, no full-tab takeover, no leaving the watchlist context.

Un-starring works two ways:

• Click the ★ on the strip row (in front of the chevron) — instant removal.
• Click the same ★ back in the Stock Modal's tab — same result, the two surfaces share state.

[ DIVIDRIP // HOW TO // v7 // 2026.07 ]