The only app that shows UK dividend investors what you'll actually keep—and exactly when you'll get there.
See what you actually keep after taxes
Know exactly when you'll be free
Track your tax-free dividend limit
Free during Early Access · No credit card required
You're making decisions with incomplete information. Other apps show you marketing numbers, not reality—leaving you guessing about taxes, timing, and whether you'll ever actually reach financial freedom.
The "4% yield" that's really 3.4% after taxes
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That 4% yield on your US dividend stocks? After 15% withholding tax, it's actually 3.4%. And if it's in your GIA above the £500 allowance, you're losing another 8.75-39.35% to UK tax. Other trackers show the headline number. You need the real one.
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Investing blind without a destination
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You're diligently investing for financial independence, but when will you actually get there? 5 years? 15 years? Never? Without knowing your TRUE net income and a proper projection, you're just hoping your spreadsheet guesses are right.
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Tax rules that change your entire strategy
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£500 dividend allowance. 15% US withholding. 8.75% basic rate. ISA vs GIA decisions. Should you move stocks between accounts? What's your actual tax bill? The complexity means most investors just... guess. And guessing costs money.
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Nestor shows you the truth about your dividends—what you'll actually receive, when you'll reach your goals, and how to optimise your tax position. Built specifically for UK Trading212 investors.
NET income after all taxes, not marketing yields
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Nestor calculates your TRUE forward income—after US withholding (15%), UK withholding, and currency conversion. See your NET yield alongside gross. Compare Yield on Cost to current yield. On a typical portfolio, the difference between gross and net can be 10-15%.
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Your personalised path with milestone markers
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Set your target monthly income. Nestor simulates 40 years of growth using your actual portfolio, contribution rate, and TRUE net yield. Get an exact date like "Aug 2029 (4 years)" not vague hopes. Watch milestone bars fill as you progress toward freedom.
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Every tax metric, automatically calculated
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Track your dividend allowance in real-time with a visual progress bar. See your ISA vs GIA split with exact percentages. View withholding taxes broken down by market—US, UK, and EU stocks. Know your estimated tax liability before it's due.
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Nestor strips away the marketing fluff and shows you what actually matters: your real income, your real timeline to freedom, and your real tax position.
Other apps show gross yields you'll never actually receive. Nestor shows your TRUE net yield after withholding taxes—typically 10-15% lower.
Your TRUE forward income dashboard displays:
Stop making decisions based on numbers you'll never see. Start planning with the income that actually hits your bank account.
On a £50k portfolio, the difference between gross and net can exceed £2,500/year
Set your target monthly spending. Nestor calculates exactly when your dividends will cover it—using TRUE net income, not inflated gross yields.
Your independence dashboard shows:
Adjust your assumptions—contribution rate, dividend growth, reinvestment—and watch the projection update instantly. Finally know if you're on track, or if you need to adjust your strategy.
Get an exact date like "Aug 2029 (4 years)" — not "someday"
The UK's £500 dividend allowance is easy to exceed without realising. Nestor tracks it automatically and shows your exact position.
Your tax dashboard includes:
Configure your tax bracket (Basic 8.75%, Higher 33.75%, Additional 39.35%) and see how it affects your net income. Make informed decisions about ISA vs GIA allocation.
Real-time £500 allowance tracking so you're never caught off guard
Full-featured dividend tracking, beautifully designed.
Paid, declared, and estimated dividends visualised month by month
View your portfolio by sector, currency, account type, or security type
23 data columns across 3 view modes — Price, Yield, and Value
Never miss an ex-dividend date with upcoming alerts and tracking
See how Nestor compares to alternatives—especially on the features that actually matter for UK dividend investors.
| Feature | Nestor | Premium Trackers | Free Trackers |
|---|---|---|---|
| Price | FREE (Early Access)* | £15-20+/month | £0 (with catches) |
| TRUE NET Income | Yes - after-tax view | No - gross only | No |
| Independence Projection | Yes - exact date + milestones | No | No |
| £500 Allowance Tracking | Yes - real-time with % | No - manual | No |
| ISA/GIA Tax Split | Yes - per-holding + totals | Basic | No |
| Withholding by Market | Yes - US/UK/EU breakdown | Generic only | No |
| Trading212 CSV Import | Yes - direct | No - manual entry | No - not supported |
| 12-Month Forecast | Yes - Paid/Declared/Estimated | Basic estimates | No |
| Portfolio Limits | Unlimited | Unlimited | 3-10 stocks max |
| Hidden Costs | None, ever | Annual lock-ins | Forced upgrades |
* Nestor is free during Early Access. Standard pricing of £1.99/month applies after public launch.
Join hundreds of UK dividend investors who've switched from guessing to knowing. See your true income, track your path to freedom, and master your tax position.
See what you actually keep after withholding taxes
Know exactly when dividends will cover your expenses
Track your £500 allowance and ISA/GIA split
Get full access to every feature during Early Access. No credit card required.
Free during Early Access · No credit card · Full features
Your Trading212 data stays on your device. We never see your holdings.
True income, tax strategy, and the road to financial independence — explained in plain English for UK dividend investors.
New episodes every Tuesday and Thursday
Yield Traps: When 10% Becomes 0%
17 February 2026
Your FIRE Number in Net Dividends
12 February 2026
The £500 Allowance Trap
10 February 2026
“What used to take me hours every weekend now takes 60 seconds. Nestor transformed my relationship with dividend investing, and I’m excited to share that confidence with every UK Trading212 investor.”- Lucio Gomes, Founder & Dividend Investor
Everything you need to know about Nestor and how it helps UK dividend investors track their true path to financial freedom.
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