VOL. XCIV, NO. 247

★ FINANCIAL TOOLS & SERVICES DIRECTORY ★

PRICE: 5 CENTS

Thursday, December 4, 2025

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Tool Comparison

Firefly III vs Simply Safe Dividends comparison

Compare pricing, supported platforms, categories, and standout capabilities to decide which tool fits your workflow.

Quick takeaways

Firefly III adds APIs & SDKs, and Webhooks coverage that Simply Safe Dividends skips.

Simply Safe Dividends includes Watchlist, Alerts, Dividends, Screeners, Scores, Financials, Data Visualizations, Education, and Newsletters categories that Firefly III omits.

Firefly III has a free tier, while Simply Safe Dividends requires a paid plan.

In depth comparison

Firefly III

firefly-iii.org

An open-source, self-hosted personal finance manager licensed under AGPLv3. Offers full double-entry bookkeeping, REST APIs, and optional event webhooks. Exchange-rate conversion is available from v6.2 onward as an opt-in feature. Bank connections are handled separately through the Firefly Data Importer app.

Platforms

WebAPI

Pricing

Free

Quick highlights

Self-hosted open-source personal finance manager (AGPLv3 license).
Supports double-entry bookkeeping with budgets, categories, tags, and detailed reporting.
Comprehensive REST API (JSON) with OAuth2 and Personal Access Tokens, plus a full OpenAPI specification.
Event webhooks for transaction create/update/delete, enabled through environment configuration.
Separate Data Importer tool supports CSV and CAMT.053, with optional bank integrations via Salt Edge, GoCardless, and SimpleFIN.

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Simply Safe Dividends

simplysafedividends.com

Dividend‑focused research and portfolio tracker built around 0–100 Dividend Safety Scores with a public track record (97% of cuts avoided). One annual plan ($39/mo billed annually), 14‑day free trial (no card), and 60‑day money‑back guarantee. Features include stock & CEF screeners, valuation & 10‑year financial charts with analyst estimates, income calendar/forecast, alerts for dividend changes and score updates, S&P credit ratings, model portfolios & newsletter, plus portfolio sync or manual entry; portfolios can include US stocks/funds and even bonds & CDs.

Platforms

Web

Pricing

Subscription

Quick highlights

Dividend Safety Scores™ (0–100) with labeled buckets (Very Unsafe → Very Safe) and a maintained, real‑time track record of dividend cuts avoided.
Portfolio tracker with broker syncing or manual/CSV import; near real‑time price updates; export of portfolio/table data.
Stock & closed‑end fund screeners with dozens of filters; idea lists and model portfolios.
Income calendar and forecast; email alerts for dividend changes and special dividends; monthly recap emails.
Valuation indicators (yield vs history, P/E vs history) and 10‑year financial charts with analyst projections; S&P credit ratings shown.

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Where they differ

Firefly III

Distinct strengths include:

APIs & SDKs Webhooks

Self-hosted open-source personal finance manager (AGPLv3 license).
Supports double-entry bookkeeping with budgets, categories, tags, and detailed reporting.
Comprehensive REST API (JSON) with OAuth2 and Personal Access Tokens, plus a full OpenAPI specification.
Event webhooks for transaction create/update/delete, enabled through environment configuration.

Simply Safe Dividends

Distinct strengths include:

Watchlist Alerts Dividends Screeners Scores Financials Data Visualizations Education

Dividend Safety Scores™ (0–100) with labeled buckets (Very Unsafe → Very Safe) and a maintained, real‑time track record of dividend cuts avoided.
Portfolio tracker with broker syncing or manual/CSV import; near real‑time price updates; export of portfolio/table data.
Stock & closed‑end fund screeners with dozens of filters; idea lists and model portfolios.
Income calendar and forecast; email alerts for dividend changes and special dividends; monthly recap emails.

Feature-by-feature breakdown

Attribute	Firefly III	Simply Safe Dividends
Categories Which research workflows each platform targets	Shared: Portfolio, Other Unique: APIs & SDKs, Webhooks	Shared: Portfolio, Other Unique: Watchlist, Alerts, Dividends, Screeners, Scores, Financials, Data Visualizations, Education, Newsletters
Asset types Supported asset classes and universes	Other	Stocks, Closed-End Funds, ETFs, Bonds
Experience levels Who each product is built for	Beginner, Intermediate, Advanced	Beginner, Intermediate, Advanced
Platforms Where you can access the product	Web, API	Web
Pricing High-level pricing models	Free	Subscription
Key features Core capabilities called out by each vendor	Unique Self-hosted open-source personal finance manager (AGPLv3 license). Supports double-entry bookkeeping with budgets, categories, tags, and detailed reporting. Comprehensive REST API (JSON) with OAuth2 and Personal Access Tokens, plus a full OpenAPI specification. Event webhooks for transaction create/update/delete, enabled through environment configuration. Separate Data Importer tool supports CSV and CAMT.053, with optional bank integrations via Salt Edge, GoCardless, and SimpleFIN. CSV export available for accounts, budgets, categories, tags, recurring transactions, subscriptions, piggy banks, rules, and more.	Unique Dividend Safety Scores™ (0–100) with labeled buckets (Very Unsafe → Very Safe) and a maintained, real‑time track record of dividend cuts avoided. Portfolio tracker with broker syncing or manual/CSV import; near real‑time price updates; export of portfolio/table data. Stock & closed‑end fund screeners with dozens of filters; idea lists and model portfolios. Income calendar and forecast; email alerts for dividend changes and special dividends; monthly recap emails. Valuation indicators (yield vs history, P/E vs history) and 10‑year financial charts with analyst projections; S&P credit ratings shown.
Tested Verified by hands-on testing inside Find My Moat	Not yet	Not yet
Editor pick Featured inside curated shortlists	Standard listing	Standard listing

Frequently Asked Questions

Which workflows do Firefly III and Simply Safe Dividends both support?

Both platforms cover Portfolio, and Other workflows, so you can research those use cases in either tool before digging into the feature differences below.

Which tool offers a free plan?

Firefly III offers a free entry point, while Simply Safe Dividends requires a paid subscription. Review the pricing table to see how the paid tiers compare.

How can you access Firefly III and Simply Safe Dividends?

Both Firefly III and Simply Safe Dividends prioritize web or desktop access. Investors wanting a mobile-first workflow may need to rely on responsive web views.

What unique strengths set the two platforms apart?

Firefly III differentiates itself with Self-hosted open-source personal finance manager (AGPLv3 license)., Supports double-entry bookkeeping with budgets, categories, tags, and detailed reporting., and Comprehensive REST API (JSON) with OAuth2 and Personal Access Tokens, plus a full OpenAPI specification., whereas Simply Safe Dividends stands out for Dividend Safety Scores™ (0–100) with labeled buckets (Very Unsafe → Very Safe) and a maintained, real‑time track record of dividend cuts avoided., Portfolio tracker with broker syncing or manual/CSV import; near real‑time price updates; export of portfolio/table data., and Stock & closed‑end fund screeners with dozens of filters; idea lists and model portfolios..

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