Passive Income: Payfolio

Zafar Ivaev

In-app purchases

About this app

Payfolio turns everything that pays you into one calendar. Deposits, dividend stocks and ETFs, bonds, rental income, P2P loans — in any currency, in one place.

Most trackers answer "what am I worth?". Payfolio answers the question you actually care about: how much am I paid, and when?

WHAT YOU CAN TRACK
• Deposits and savings — term deposits, savings accounts, CDs, paid out or compounding
• Dividend stocks and ETFs — shares, dividend per share, any payout frequency
• Bonds — face value, coupon, semiannual or annual schedules, maturity dates
• Rental property — rent in, costs out, monthly, weekly or every two weeks
• Anything else — P2P lending, royalties, staking, a business share: a fixed amount or a rate on what you invested
• Salary and freelance pay — on the same calendar, kept apart from your passive income
• Cash — money that isn't invested, counted separately from income

A CALENDAR OF EVERY PAYOUT
See which days money arrives and how much, month by month. Daily, weekly, every two or four weeks, monthly, twice a month, quarterly, twice a year, yearly, at maturity — or your own list of dates and amounts for anything irregular, like an interim and a final dividend.

SET IT UP THE WAY YOUR BANK DOES
Interest paid in equal amounts or by the actual days in each month. Payouts that fall on a weekend moved to the next or previous working day. Your week starts on the day your region uses.

CHANGES DON'T REWRITE YOUR HISTORY
Bought more shares, got a new rate, raised the rent? Choose the date it applies from. Past payouts keep the amounts they really had.

CONFIRM WHAT ACTUALLY ARRIVED
Tap "Received" when a payout lands. If the amount was different, enter the real one. If it never came, mark it. Over time you get a true record of your income, not just a forecast.

ANY CURRENCY, ONE TOTAL
Hold a deposit in one currency, stocks in another, rent in a third. Payfolio converts everything into your main currency using daily central bank rates, covering 160+ currencies. You can override any rate by hand — useful where the official rate isn't the rate you get.

SEE WHERE YOUR INCOME IS HEADING
Set a monthly contribution, choose whether you reinvest, and watch your projected income grow. Set a target and Payfolio shows the month you reach it, and what it would take to get there sooner.

REMINDERS THAT MATTER
Get reminded on payout days, and before a deposit matures so the money never sits idle at 0%. Reminders are created on your phone.

BUILT TO BE HONEST
• Gross or net — enter a withholding tax rate per holding and see both
• Income by type, by currency or by institution
• Expected versus received, every month
• Compounding deposits grow in place, instead of being counted as cash

YOUR DATA STAYS ON YOUR PHONE
No account. No sign-up. No bank login. Your holdings never leave the device. Back up and restore whenever you like, or export to CSV or JSON.

FREE AND PRO
Free: up to 3 holdings, plus salary and cash, the calendar, the home dashboard, automatic exchange rates.
Pro: unlimited holdings, payout and maturity reminders, projection and goal tracking, backup and export. Available weekly, yearly or as a one-time lifetime purchase.

GOOD TO KNOW
Payfolio does not connect to banks or brokers, and it does not fetch live stock prices. You enter your holdings once, and the app does the rest. It is a tracking tool, not financial advice.

Questions or ideas? Get in touch — the app is actively developed.

What’s new

Monthly income now includes your salary, new holdings are highlighted after you add them, and exchange rates load as soon as you pick a currency.