Salary 2045 — Portfolio Tracker

Demo

Background

A self-hosted dividend portfolio tracker built with Flask + yfinance + Chart.js. Designed for long-term investors who want full visibility into their dividend income, portfolio health, and progress toward financial independence.

No subscriptions. No cloud. Runs entirely on your machine.

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Features

• Overview — Live portfolio snapshot: total value, annual dividend income, yield on cost, forward yield, beta vs S&P 500, and progress toward your passive income goal
• Holdings — Full breakdown of each position: current price, gain/loss, dividend yield, annual income per holding, yield on cost, payout ratio, and dividend safety score
• Diversification — Sector and industry allocation charts so you can spot concentration risk at a glance
• Income — Annual and monthly dividend income breakdown by holding, with historical trends
• Calendar — 12-month forward projection of expected dividend payments, month by month
• Goals — Set your annual passive income target and track milestone progress
• Performance — Portfolio returns vs benchmark over time
• Dividend Predictor — 12-quarter forward dividend projection using historical CAGR, with adjustable growth rate assumptions
• Stock Deep-Dive — Per-stock financials: revenue, net income, EPS, FCF, payout history, profit margins, dividend growth history, and forward analyst estimates — sourced from both yfinance and Alpha Vantage

Mac

The setup is identical to Windows with two differences:

1. To open a terminal inside the app folder: right-click the folder → New Terminal at Folder (or open Terminal from Spotlight and drag the folder in)
2. If python is not recognized, try python3 instead — macOS sometimes ships with both

Everything else (pip install, running the app, the browser address) is the same.

Linux

Option A — Run directly:

git clone https://github.com/GavrielP1/SALARY-2045.git
cd SALARY-2045
pip install flask flask-cors yfinance requests python-dotenv
cp holdings.example.json holdings.json
python3 app.py

Then open http://localhost:5000

If pip is not found, try pip3 instead.

Option B — Docker:

git clone https://github.com/GavrielP1/SALARY-2045.git
cd SALARY-2045
cp holdings.example.json holdings.json
docker compose up --build

Then open http://localhost:5000

Docker support is new and not yet tested on Linux .

Docker

A Dockerfile and docker-compose.yml are included in the repo.

Before running, make sure you have created your local files:

cp holdings.example.json holdings.json
cp goal.example.json goal.json       # optional
cp .env.example .env                 # optional, for Alpha Vantage key

Run:

docker compose up --build

Then open http://localhost:5000

Volume mounts are configured for holdings.json, goal.json, .env, and financials_cache/ — your data is stored on the host and persists across container restarts.

Setup

1. Clone the repository

git clone  https://github.com/GavrielP1/SALARY-2045.git
cd salary2045

2. Install dependencies

pip install flask flask-cors yfinance requests python-dotenv

3. Configure your API key

Get a free API key from alphavantage.co, then:

cp .env.example .env
# Edit .env and replace the placeholder with your actual key

4. Add your holdings

cp holdings.example.json holdings.json
# Edit holdings.json with your actual positions

Each entry follows this format:

{"ticker": "SCHD", "shares": 10, "avgCost": 75.00}

5. (Optional) Set your income goal

cp goal.example.json goal.json
# Edit goal.json to set your annual income target and milestones

6. Run the app

python app.py

Open http://localhost:5000 in your browser.

Files not committed to Git

The following files are listed in .gitignore and must be created locally:

File	Purpose
.env	Your Alpha Vantage API key
holdings.json	Your personal portfolio positions
goal.json	Your income goal and milestones
portfolio.json	Auto-generated cache (do not edit)
financials_cache/	Auto-generated per-ticker cache

Notes

• Alpha Vantage free tier: 25 requests/day, 5 requests/minute. The app sleeps between calls automatically.
• financials_cache/ stores fetched data for 90 days to avoid redundant API calls.
• The CASH holding type is supported: add {"ticker": "CASH", "shares": 1, "avgCost": 1000} to represent uninvested cash.

Changelog

v1.1.0 — Bug Fixes (June 2026) Fixed: Dividend frequency hardcoded as 4x/year The app previously assumed all stocks pay quarterly (×4). Now it detects actual payment frequency dynamically from dividend history — monthly payers like QQQI correctly show ×12 annualization. Handles new tickers with limited history by falling back to all available data instead of the 2-year window. Fixed: Dividend calendar showing current month only The calendar now projects 12 months forward based on detected payment frequency. Projected dates are labeled with a "Proj" badge to distinguish them from confirmed declared dates. Fixed: Crash on cost basis = 0 Entering $0 as average cost no longer causes a divide-by-zero crash. Yield on Cost and Gain/Loss fields display "—" instead. Fixed: Ghost holding from fallback data Tickers that existed in the internal fallback list but not in holdings.json could appear in the table but fail to delete. The fallback list is now a minimal 3-ticker demo (SCHD/JNJ/PG) that will never conflict with real holdings.