Frequently Asked Questions

The core is free, forever — portfolio, dividends, price alerts, forecasts, community and the course, with no trial and no card. Quantic Pro (€2/month, billed yearly) raises the limits: 5 portfolios, options income tracking, and more AI requests per day.

Everything in Free, plus 5 portfolios instead of 1, options income tracking (the wheel), and a higher daily AI allowance. It's billed yearly through our payment partner, who handles VAT and invoices; you can cancel anytime and keep Pro until the end of the paid year. See the Pricing page for the full comparison.

No broker connection required, and no credentials either. You either type your holdings in or upload a file your broker exports — and if we don't recognise its format, you tell us what its columns mean and we read it from there. Your broker login never leaves your hands.

Yes. Click "Try a sample portfolio" on the home page to explore a demo account seeded with realistic data — it's the real app, so everything works. No signup, no email; demo accounts expire after 24 hours.

Your Portfolio is what you actually own — quantities, average prices, real value. Your Radar is your watchlist — stocks you're tracking with optional target prices. The same stock can be in both.

Yes — Quantic is a Progressive Web App (PWA), so you can add it to your home screen and run it full-screen, no app store needed. On Android (Chrome): tap the "Install" banner when it appears, or open the ⋮ menu and choose "Install app" / "Add to Home screen". On iPhone/iPad (Safari): tap the Share button, then "Add to Home Screen". It then launches like a native app, with its own icon. Make sure you're on https://quantic.finance in your browser first.

It's money-weighted, which means it counts when each amount went in and not only how much. Money you invested before a good year gets the credit for it, and a late top-up doesn't get judged on a year it wasn't there for. It includes the dividends you received and anything you sold, and each amount is converted at the exchange rate published on its own date rather than at today's — so a currency move is part of the answer, the way it was part of what actually happened to you. This is deliberately different from the closed-positions figures, which stay in the currency each position traded in because there the question is how the position did, not how you did.

See this in the tour

Because a holding whose shares you typed in has no purchase behind it. Quantic knows what it's worth today but not what you paid or when, and counting today's value without the money that bought it would make the return look far better than it was. Rather than publish a flattering number, those holdings are left out of the calculation entirely — of both what went in and what it's worth — and the page tells you what share of your portfolio the figure does cover. Import that position's trades and it joins the calculation.

See this in the tour

Because sorting by yield first is how people find yield traps. Yield is the dividend divided by the price, so a company whose price has collapsed shows a magnificent one — and the market is often pricing in a cut that hasn't been announced. The screener leads with Quantic's 0-10 read on the company instead, and yield is one click away in the sort. It also marks a yield in red when the numbers look like a trap: very high, beside a dividend that has stopped growing or that earnings can't cover.

See this in the tour

Yes — More filters has a "hide at-risk dividends" switch, and the Safe & growing starting point turns it on for you. One thing it deliberately does NOT do is hide stocks Quantic has never assessed. A safety verdict needs enough history and a live price, and plenty of the universe has neither yet; dropping those too would quietly narrow your results to the corner of the market that happens to have been scanned, while looking like it had filtered on danger.

See this in the tour

Quantic checks prices once an hour during market hours, and fetches a fresh one when you actually open a page. It used to check every four minutes, which is what a trading app does — and you're not trading. If a price is more than half an hour old when you land, the page pulls a new one before it draws.

See this in the tour

Your portfolio keeps its numbers. Quantic stores the last price it saw for every stock, so during an outage your holdings are valued from that instead of going blank — with a note at the top saying how old the prices are. What it won't do is pretend: forward income is left out rather than guessed, and no price alert can fire from a stale number. Everything you typed in — trades, dividends, targets — is in Quantic's own database and unaffected either way.

See this in the tour

Go to Portfolio, enter the symbol, quantity and average price, and click Add. You can edit the position later or remove it entirely.

Yes. Each holding stays in its listing currency. Set a preferred currency in Settings and we convert per-currency totals into a single display total using FX rates.

Yield on Cost = annual dividend per share ÷ your average purchase price × 100. It measures the yield you locked in when you bought, regardless of what the share price has done since.

Your personal buy threshold for a stock — the price at which you'd consider adding it. Set it on a Radar stock and we'll show the gap between the current price and the target you chose.

We average the target prices set by all users tracking the same stock. To protect individual targets, we only show the average once at least 3 users have set one.

A 0–10 score summarizing a stock's dividend health: yield, payout (dividend/earnings), P/E, price vs its 200-day average, and payment regularity. 8+ is "Strong", 5–7 "Fair", below that "Weak".

Use the Screener: filter the dividend universe by yield, growth, increase streak, leverage, sector and more, then add the matches straight to your radar. It's the front of the funnel — screen, then compare, then track. For a more visual browse, fly through the dividend galaxy and tap any star to explore that stock.

Yes — open Compare (or the Compare button on any stock page) to put 2–4 dividend stocks next to each other across every metric, including each one's snowflake overview and our dividend score and safety read.

Yes — Pro subscribers get a personal calendar link in Settings. Subscribe to it from Google Calendar (Other calendars → From URL), Apple Calendar (File → New Calendar Subscription) or Outlook, and your upcoming ex-dividend dates and estimated payouts appear alongside the rest of your week, refreshing automatically.

Every one of them is off until you switch it on: Quantic doesn't email you anything you didn't ask for. In Settings, everyone can enable a weekly digest — dividends received, upcoming ex-dividends, price targets and alerts, only when there's something to say. Pro subscribers can also enable alerts that arrive as soon as we see the move — radar buy/sell targets, dividend cuts and safety warnings, ex-dividend reminders, options needing a decision — and can add custom rules on any portfolio or radar stock (price above/below, daily % move, yield threshold) from the bell icon. As soon as we see it means within the hour: Quantic checks prices hourly, because it's built for people holding for years rather than trading the afternoon. Alerts always arrive by email, plus Telegram and push where you've linked them.

Yes, for contracts you've recorded. Once a day Quantic looks at your open options and writes if one needs a decision: it's close to expiring, it's in the money and likely to be assigned, or a dividend goes ex inside a covered call you've written — the usual reason one gets exercised early, and something only an app that knows both your contract and the dividend calendar can spot. Each contract is mentioned once, not every morning until it expires. It's a Pro feature and, like every Quantic alert, it's off until you switch it on in Settings.

See this in the tour

Because that would be telling you to place a trade, and Quantic doesn't do that anywhere — no buy or sell calls, no "good buy" ratings, and the wheel screener recommends nothing. Alerts are only ever facts about positions you already hold: a date approaching, an obligation about to be settled. Finding a contract worth selling is something you go and look for, on the wheel screener, when you've decided you want one.

See this in the tour

Two things a declaration asks for, for one year: the dividends you received — gross, withheld at source and net, grouped by the country that paid them — and the sales you made, each matched to the purchases it consumed. Everything is converted to euros at the European Central Bank's official daily reference rate for the date it happened, which is the rate EU tax administrations accept. It is informational and calculates no tax: check it against your broker's own statements and take professional advice before you file. It's a Pro feature, and there's a CSV download.

See this in the tour

Because they answer different questions, and both are right. Your portfolio and closed positions use average cost — every share you hold cost the same — which is the fair measure of how a position performed. The tax report matches each sale to specific purchases, oldest first (FIFO), because that is how most of Europe taxes securities and because acquisition dates carry rules an average has thrown away. There is a second reason too: the tax report converts a sale's cost at the day you bought and its proceeds at the day you sold, so currency movement between the two is part of the result. Your portfolio deliberately leaves that out.

See this in the tour

Because it sold more shares than its recorded purchases account for, so there is no cost to state. Rather than invent one — a zero cost would declare the whole sale as profit — the report lists the position separately with a link to its ledger. The usual causes are a statement that starts mid-history, or a corporate action like a spin-off that hasn't been recorded yet. Add what's missing and it moves into the table.

See this in the tour

It's a Spanish rule: sell at a loss and buy the same security back within two months either side, and that loss isn't deductible this year. It isn't lost — it attaches to the shares you bought back and comes due when you sell those. For securities not listed in the EU the window is a year rather than two months. The report shows the loss at full size, shows how much of it the rule reaches, and lists the purchases that triggered it so you can check the reasoning rather than take our word for it.

See this in the tour

Yes, and you don't need to delete anything first — but importing REPLACES that position rather than adding to it. A position you typed in has no trade history behind it, so once the statement's trades arrive, Quantic recalculates the shares and average cost from them. If you typed in 1 share and the statement contains 10, you end up with 10, not 11. Before you confirm an import, Quantic lists every typed-in position the file will rebuild.

See this in the tour

Then the position comes out short, because it's rebuilt from what the file contains. Import a 2025-only export over a position you started in 2019 and the earlier shares disappear. Two ways round it: ask your broker for a statement covering the whole period and import that, or keep the position as typed-in and don't import it at all. Whichever you choose, check the share count against your broker afterwards.

See this in the tour

One or the other, never both — doing both counts the same shares twice. Import when your broker can give you a statement covering the position's whole history; it's the better option because you get real dates, real prices and real commissions. Use "Track as trades" on the position's card when you can't get that statement: it records what you hold now as a single opening purchase on a date you choose, and every later trade builds on top of it.

See this in the tour

Yes. Open the position on your Portfolio and choose "Enter by hand instead". Quantic deletes that position's trades and keeps the shares and average cost they added up to, so the numbers on screen don't change — you just get the editable fields back. If the trades came from a broker statement, re-importing it brings them back.

See this in the tour

Yes, if you have more than one portfolio. Import the statement into either of them, then on the Movements page filter to the stocks that belong elsewhere and use "Move" to send just those trades to the other portfolio. Both positions are recalculated on the spot. Each portfolio keeps its own independent ledger, so the same statement can legitimately live in two of them.

See this in the tour

Yes, for purchases. A commission is part of what the shares cost you, which is how cost basis is defined for tax almost everywhere — so a buy's commission raises your average cost. A commission on a SALE doesn't: it reduces your proceeds, which is a separate calculation Quantic doesn't do yet, so it's recorded against the trade and left there. Quantic reads commissions from IBKR statements automatically, and you can type one in on any trade you record yourself.

See this in the tour

On the Movements page, record a trade and choose "Stock split" as the type, then give the ratio — 4 new shares for every 1, say, or 1 for every 3 in a reverse split. Quantic rescales your shares and your average cost together, so the position's value doesn't change. No broker export we read reports splits, so this one is always entered by hand. A split can only be recorded against a position that already has a trade history.

See this in the tour

That's a spin-off: a company separated part of itself out and gave you shares in it. Record it on the Movements page — pick "Spin-off", name the new ticker and how many shares arrived, and give the percentage of your cost that stays with the original company. If the statement you imported reported the spin-off, everything except that percentage is filled in for you. The percentage is the part most tools skip, and it matters: your original position gives up some of what you paid for it, and the new shares receive it. Skip it and the new position looks like it cost nothing, so the whole of an eventual sale reads as gain. The company publishes the figure — look for "Form 8937" or a tax note on its investor-relations page.

See this in the tour

Because its trades sell more shares than they ever bought. That usually means one of three things: an earlier purchase is missing, the statement you imported starts partway through the position's life, or a stock split happened and wasn't recorded. Your numbers are still shown — they're just built on what Quantic can see. Adding the missing purchase, or recording the split, clears the note.

See this in the tour

Yes. Trades already imported are matched and updated rather than duplicated, so re-importing an overlapping export is harmless — useful when your broker only lets you download a year at a time. Trades you recorded by hand are never touched by an import. The one thing to know is that a position you typed in by hand is a different case: see the first question in this section.

See this in the tour

To Closed positions, near the top of your portfolio page. Your holdings are recalculated from your trades, so once the trades add up to no shares the position stops being something you own — but the history is all still there. The section shows what the sale came to, when you held it, how many trades it took and what it paid you in dividends while you owned it. Your dashboard gets a summary card too. If you've never sold anything, neither appears.

See this in the tour

Treat them as a measure of how the position did, not as a tax calculation — the page says which method it used for exactly this reason. Quantic works out your cost per share as a running average of everything you bought. Most European tax rules, Spain's included, instead match each sale to specific purchases in the order you bought them, which can give a different number for the same trades. Results also stay in the currency the shares traded in: converting a sale from three years ago would need that day's exchange rate, which Quantic doesn't record, and inventing one would be worse than leaving it alone.

See this in the tour

They read different parts of the same file, so you can upload one statement twice — once on Dividends and once on Movements — and get both. The Dividends import reads the payments you received; the Movements import reads your buys and sells. Neither touches the other's records.

See this in the tour

Yes. On the Dividends page, upload your broker statement; we parse it, show you a preview, and you confirm before anything is saved.

No. When a mapping works, give it a name and Quantic keeps it — next month's statement from the same broker arrives already filled in, so importing is one click. If your broker changes its export, or you download it with the interface in a different language, the automatic match is lost but your saved mapping is still offered to start from: it remembers which position each column was in, and that doesn't change with the language of the heading.

Only if you press the button that offers to guess your columns, and even then it sees no data. It gets your column names and the *shape* of the values under them — every digit replaced by a 9 and every letter by an A, so 2024-03-12 goes as 9999-99-99 and an ISIN as AA9999999999. That's enough to tell a date column from an amount, and it contains no amounts, no tickers, no account numbers. The button is optional; mapping the columns yourself takes about a minute and sends nothing at all.

Any of them. Interactive Brokers, MyInvestor and DivTracker exports are recognised on sight. For anything else, upload the file anyway: Quantic shows you its columns with a couple of real values under each, and you say what they mean — once. It copes with the awkward parts of European exports too, where dates are written day-first, a comma is the decimal point, the buy-or-sell direction lives in the sign of the quantity, and the instrument is named by ISIN because there is no ticker column at all.

Add dividends manually on the Dividends page. Or email us at info@quantic.es to request a parser for your broker — include a sample file.

Yes. The Dividends page lists ex-dividend dates for the next 14 days — your holdings first (with an estimated payment based on your shares), then radar-only stocks. The same view appears on your dashboard, and the Telegram daily digest covers the next 7 days.

Because most companies pay quarterly, and nearly all of them use one of three cycles — the commonest being March, June, September and December. A portfolio built without watching the calendar ends up collecting the bulk of its income in those four months. The "Your dividend year" card on the Dividends page shows the shape month by month, names your thinnest months, and links to the buy plan ranked to favour stocks that pay in them. It stays quiet below four paying positions, since there's nothing to smooth yet.

See this in the tour

Net — what actually reaches your account after estimated foreign withholding tax, whenever any is withheld. A goal is something you live on, so measuring it against the gross figure would flatter your coverage by exactly the tax. The card says so when the numbers are net, and the same rule applies to the Path to Freedom projection.

Quality first, premium second — deliberately the opposite of most options screeners, which sort by the biggest payout. Premium is the price of risk, so sorting by it reliably puts the shakiest companies on top. Quantic starts from dividend payers it already rates, drops anything it reads as a yield trap, and only then lets the premium order what's left. For a put it shows what a share would really cost you if you were assigned and the yield on cost that gives; for a call, whether the strike clears what your shares cost you. It never recommends a trade, and it always shows the maximum loss next to the return.

Our market-data provider only lists option chains for US-listed securities, so most European tickers come back with none. That's a fact about the security rather than an error, and it isn't a dead end: enter the strike and premium your broker quotes and every figure — return, effective cost basis, yield on cost, maximum loss — is calculated exactly the same way. If a chain does exist, the prices are filled in for you instead.

A dividend-FIRE projector (the Freedom page). You set a monthly income goal in today's money, and it estimates when your growing dividend income will cover that goal — your "freedom date" — and how long your capital lasts afterwards. Layer in monthly contributions, expected yield, inflation and other savings, and it recalculates live, with milestones and what-if levers like "+1% yield".

A ranked shortlist (the Buy plan page) of stocks from your portfolio and radar, scored on how interesting each looks to buy right now — dividend quality and growth, how far below your target or average cost it sits, whether it's underweight, or whether it fills a gap in your dividend calendar. Tune the weights, build a cart, and record the purchases at your own prices. It never places real orders.

A card on the Dividends page that projects your forward dividend income: the expected annual income at the current rate, your income-weighted dividend growth, and a multi-year projection you can compound with a DRIP (reinvest dividends) toggle. It also highlights your fastest-growing holdings and longest growth streaks, plus a 12-month calendar of when income is expected to land. It's an estimate from current data, not a guarantee.

CAGR is the compound annual growth rate — the steady yearly pace at which a company's dividend has grown over a period. Quantic shows the 5-year and 3-year dividend CAGR on stock cards, computed from the payment history, and uses the 5-year figure (smoother than a single year) to project your future income and to rank growth in the Buy plan.

A company that has raised its dividend every year for at least 25 consecutive years — a sign of durable, shareholder-friendly payouts. Quantic tracks each stock's dividend growth streak (consecutive years of increases) and marks holdings that clear the 25-year bar with a gold aristocrat badge. A cut or a frozen year ends the streak.

"Ask Quantic" is a chat assistant (the button in the bottom-right corner). It answers questions about your own portfolio, radar and dividends — "What's my biggest holding?", "Which dividends land this month?" — and about any stock or the whole universe: "How does KO look on dividends?", "Find low-debt utilities with rising momentum", or "Compare KO, PEP and MO". It uses your real data and the same yield, safety, momentum, value and valuation reads the site shows, rather than generic advice.

It runs on Google Gemini. To keep costs sane, each account gets 5 AI requests per day, resetting at midnight UTC. Portfolio and Radar insights are cached for a few hours, so you can still see the latest ones even after reaching the limit.

Beyond the chat, Quantic generates a short AI overview of your Portfolio and Radar (observations, strengths, risk flags) and a factual two-to-three sentence summary with key points for individual stocks. They share the same daily AI quota.

No. It analyses your data and explains what's there, but it won't tell you what to buy or sell, predict prices, or give tax advice — and Quantic isn't a financial adviser. Always do your own research.

Yes. Quantic offers a read-only connector (an MCP server) you can add to Claude, ChatGPT, Gemini or any compatible assistant. In your assistant, add a custom connector with the URL https://quantic.finance/mcp and choose "Log in with Quantic". It can then answer about your holdings, valuation, dividends, movements and radar — and look up any stock's full analysis, screen and compare stocks, and read Quantic's research — using your real data. Some clients also accept a personal token from Settings instead of logging in.

Yes. Access is read-only — an assistant can read your data but never change your account. You sign in with the same secure login as the website (no password is ever shared with the assistant), every request is scoped to your own account, and you can disconnect any assistant at any time from Settings → AI agent access.

Once connected, the Quantic bot answers the same portfolio questions as the in-app assistant, straight from Telegram — and it can send a daily digest each morning with upcoming ex-dividend dates, dividends you received the day before, and any stocks that have dropped to your target price.

Go to Settings → Telegram and tap "Open Telegram bot". That deep-links to the bot with a one-time code that links your account. Disconnect any time with /unlink. The daily digest is opt-in — toggle it in Settings or with /notifications on|off.

Upcoming ex-dividends for the next 7 days (your holdings first, with estimated payments, then radar-only stocks), dividends received the previous day, and target-price alerts when a watched stock dips to your buy threshold. Each target alert is throttled to once a week per stock, so you're not spammed.

You can opt in to share your portfolio (percentage allocations + sectors) and/or your radar (watchlist + target prices) under a public slug, and the Community page aggregates what everyone shares. Amounts are never published.

Anyone with the URL. Shared pages are publicly accessible without an account. Don't share if you're not comfortable with that — it's opt-in for exactly this reason.

Settings → Sharing → uncheck the toggle for the surface you want to stop sharing. The data disappears from the public pages immediately.

A flyable 3D galaxy where every star is a stock the community tracks — sized by market cap, coloured by its dividend score, with a planet for each holder. It's a fun way to discover new dividend stocks: fly around, hover a star to see its details, and tap it to open its page. It's built from aggregate counts only — no names or amounts.

Stock prices, dividends, ex-div dates, and fundamentals come from Yahoo Finance (with Alpha Vantage as a fallback). Quotes are cached for a few minutes to stay within free-tier limits.

Best-effort. Third-party APIs occasionally serve stale or wrong data, especially on the day of an ex-dividend or right after a split. Always verify against your broker's official statement before acting.

No. Quantic has no advertising, no third-party analytics tracking, and no data sales. We're a one-developer side project, not a data company.