T212 Dividend Tracker

The problem

Trading212 users cannot easily view aggregate dividend performance or forward-looking income projections within the native app interface. Calculating yield on cost and monthly cash flow forecasts manually across dozens of positions is time-consuming and prone to math errors.

What it does

• Aggregates lifetime dividend income and calculates average monthly payouts across all Invest and ISA positions.
• Identifies top-performing dividend payers and calculates estimated annual yields based on current market value.
• Generates weight-adjusted income forecasts for the next three months based on historical payout patterns.
• Calculates portfolio-wide metrics including Yield on Cost and Yield on Market.
• Produces formatted monthly reports and suggests reinvestment opportunities based on cash balance.

Frameworks & tools

This skill requires the trading212-mcp-server and a read-only Trading212 API key. It uses Python-based MCP tools to interface with the Trading212 Web API.

Why this beats prompting it yourself

Standard LLM prompts cannot access your private brokerage data or perform the multi-step calculations required to distinguish between monthly and quarterly distributions. This skill handles the API authentication, data fetching from multiple endpoints, and specific financial logic for yield estimation automatically.

Use cases

• Generating a monthly passive income report for tax or budgeting purposes.
• Identifying lagging low-yield positions that could be rotated into higher payers.
• Forecasting upcoming cash flow to plan for dividend reinvestment (DRIP).
• Analyzing the impact of available cash on total annual run rate.

Known limitations

Forecasts are estimates based on historical patterns and cannot predict corporate dividend cuts. CFD accounts are not supported as they do not receive dividends. Requires an active trading212-mcp-server connection.