# Dividend Tracker for UK Investors

> A dividend tracker for UK investors monitors the dividends your London-listed and overseas shares pay, adds them up in pounds, and keeps ex-dividend and payment dates in view. FolioFundamentals adds the checks UK income investors rely on: dividend cover, payout as a share of free cash flow, consecutive years of increases, and a 0–100 Fundamental Score for every holding.

## Built for the London market
The FTSE 100 is one of the highest-yielding major indices in the world, and UK income portfolios lean on its banks, insurers, oil majors, utilities, tobacco and consumer-goods names, plus a long tail of investment trusts. FolioFundamentals tracks London Stock Exchange and AIM listings alongside US shares, with pence and pounds handled correctly and overseas dividends converted into sterling.

## ISAs, SIPPs and dividend allowance
Where a share is held decides what you keep. Dividends inside a Stocks and Shares ISA or a SIPP are free of UK dividend tax; in a general investment account, dividends above the annual dividend allowance are taxed at your dividend rate. Track accounts separately and use the income forecast to see what arrives where.

## Dividend cover, the UK way
UK investors usually talk about dividend cover (earnings divided by dividends) rather than payout ratio. The tracker shows both, plus payout as a share of free cash flow, which is the stricter test. Interim and final payments are both tracked, so a company that pays twice a year is forecast correctly.

## FAQ
**Are AIM shares covered?** Yes. Main Market and AIM listings are both tracked, in pounds, alongside US and other overseas markets.

**Does it handle pence and pounds?** Yes. London prices quoted in pence are converted so values and income are shown in pounds, and overseas dividends are converted into sterling at the current rate.

**Does the tracker work out my dividend tax?** No. It reports gross dividends and lets you keep ISA, SIPP and general accounts separate. Your personal tax depends on your income and allowances.

Live version: https://foliofundamentals.com/uk/dividend-tracker