--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "22 Dividends" developer_entity: "Stefan Warwas" bundle_id: "com.dividends22" app_store_id: "1510074736" category: "Finance" primary_platform: "ios" primary_monetization: "Freemium" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2024-12-04" report_date: "2026-08-31" last_verified: "2026-08-31T00:00:00.000Z" report_version: "2.9.0" total_reviews: 16 overall_rating: 4.2 sentiment: "Mixed" sentiment_score: 45 confidence: "medium" confidence_score: 0.55 top_praise_theme: "Total yield analysis provides a unique and valuable edge for dividend stock investors" top_complaint_theme: "Dividend payment data fails to sync or disappears, rendering the calendar tracking feature unreliable" review_sample_size: 4 total_review_count: 4 analyzed_review_count: 4 data_age_days: 30 momentum_velocity: "zombie" intelligence_version: 3 tags: ["finance", "freemium", "mixed sentiment", "mobile app", "app review", "app analysis", "dividend", "stock", "investors"] canonical_url: "https://marlvel.ai/apps/22-dividends" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # 22 Dividends Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Freemium - **Signal**: Rating 4.19 · Sentiment Mixed - **Recent focus**: Dividend payment data fails to sync or disappears, rendering the calendar tracking feature unreliable (top complaint) · Total yield analysis provides a unique and valuable edge for dividend stock investors (top praise) > **TL;DR:** 22 Dividends is a finance app by Stefan Warwas, rated 4.19/5 by 16 users, with Mixed user sentiment (45/100), available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** 22 Dividends shows Mixed sentiment (4.19/5 from 16 reviews) - users praise total yield analysis provides a unique and valuable edge for dividend stock investors but report issues with dividend payment data fails to sync or disappears, rendering the calendar tracking feature unreliable. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 4.19/5 (16 reviews) | | **User Mood** | Mixed | | **Category** | Finance | | **Developer** | Stefan Warwas | | **Pricing** | Freemium | | **Platforms** | iOS | | **Confidence** | Medium (0.55/1.0) | | **Data Age** | 30d | ## Metadata & Market Performance - **Publisher:** Stefan Warwas - **Category:** Finance - **Target Audience:** Dividend stock investors who require granular tracking of yield on cost and cashflow beyond basic brokerage tools. - **Platforms:** iOS - **Version Reviewed:** 2.9.0 - **Report Date:** 2026-08-31 - **Signal Count:** 4 reviews analyzed - **Confidence:** Medium (0.55/1.0) - **App Store ID (iOS):** 1510074736 - **Bundle ID:** com.dividends22 - **Performance Trend:** Stable - **Data Window:** Analysis based on signals collected up to 2026-08-31 ## Executive Snapshot **What it is:** 22 Dividends is a portfolio tracker for dividend stock investors on iOS, focused on yield on cost and DRIP performance monitoring. **Why users hire it:** The app removes the manual friction of calculating dividend growth and reinvestment compounding, which standard brokerage apps often obscure. ## App DNA (Features & Intent) - **[Differentiator] Yield on Cost Calculation:** Calculates dividend growth performance relative to initial investment cost. - **[Differentiator] DRIP Transaction Tracking:** Logs dividend reinvestment plans to monitor compounding growth. * *User Intent:* Users want visibility into their own performance and progress. - **[Standard] Dividend Calendar:** Visualizes upcoming ex-dates and paydays for cashflow monitoring. ## Market Position {#market-position} 22 Dividends occupies a niche in the Finance category, serving a specific subset of income investors. With a 4.18-star rating across 16 total reviews, the app relies on its specialized DRIP tracking to maintain relevance against broader, more frequently updated portfolio trackers [1, 2]. ## Monetization Strategy - **Model:** Freemium - **Tiers:** Starter Plan: Free, limited to 75 transactions and 250 credits per month, Pro Plan: $4.99/month, includes unlimited transactions and advanced reporting - **Analysis:** The freemium model uses transaction volume and credit limits to gate advanced reporting features. ## 🟡 User Sentiment (Medium Confidence: 4 of 4 reviews analyzed) {#user-sentiment} - **Overall Rating:** 4.19/5 - **Platform Split:** iOS 4.2/5 (16 ratings) - **Overall Sentiment:** Mixed ### Top Praises - **Total yield analysis provides a unique and valuable edge for dividend stock investors** - **Free access to advanced financial tracking tools provides high value without hidden costs** ### Top Complaints (Impact Areas) - **Dividend payment data fails to sync or disappears, rendering the calendar tracking feature unreliable** ## SWOT Analysis {#swot} **Core Strengths:** - DRIP-specific transaction logging creates high switching costs for long-term income investors **Growth Levers:** - Simplified onboarding flow could capture users frustrated by current manual entry friction ## Recent Changes (v2 → v3) {#recent-changes} The app's competitive positioning shifted from viewing the absence of cloud sync as a liability to framing it as a deliberate privacy-focused retention mechanism. No functional changes or updates occurred during this period, leaving the app in a maintenance-only state. **Overall trend**: Stable **Compared at**: 2026-08-31 ### High-impact changes - **[Shifted] Cloud Sync Positioning** (positioning) ### Medium-impact changes - **[Shifted] Strength Reclassification** (swot) ## What's New - **Latest (v2.9.0, 1 years ago):** Resolved a login authentication issue. ## App Momentum (Zombie) {#momentum} - Quiet 21 months, maintenance mode only. - Last major release occurred December 2024. > **Cadence:** 1 total versions · 0 majors in last 6 months · 634 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} 22 Dividends is a finance app that is free with in-app purchases. It holds a 4.19/5 rating from 16 reviews. > **Bottom Line:** 22 Dividends maintains a loyal niche through its specialized DRIP tracking, but the 21-month development silence threatens its long-term viability. Addressing the data-sync failures is the only way to prevent the total erosion of the user base. **Best for:** Dividend stock investors who require granular tracking of yield on cost and cashflow beyond basic brokerage tools. ### PM Action Plan (Next Best Moves) - [ ] [MAINTAIN] Audit data-sync logic because calendar-sync failures are the top-reported frustration → restore user trust ### Outlook: Declining The dividend tracking market is consolidating around tools that offer seamless brokerage integration and active feature development. 22 Dividends remains exposed due to its manual-entry focus and stalled release cadence, which will likely lead to a steady loss of users to more reliable, automated competitors. - 🔴 The 21-month release gap suggests the app is in maintenance mode, which prevents it from addressing critical data-sync bugs reported by users. - 🔴 Persistent complaints regarding disappearing calendar data indicate that the core tracking utility is failing, which will accelerate churn among long-term dividend investors. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 4.19/5 | | Total Reviews | 16 | | Sentiment | Mixed (45/100) | | Confidence | Medium | | Pricing Model | Freemium | | Platforms | iOS | | Key Features | 3 analyzed | | Trend | Stable | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **22 Dividends** (this app) | 4.19/5 | Mixed | Stefan Warwas | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.3/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.7/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Stefan Warwas - **Website:** [https://22dividends.com/](https://22dividends.com/) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/22-dividends/id1510074736?uo=4) - **Dev Site:** [Official Website](https://22dividends.com/) - **Sources:** Developer website content, About us / company information, App store metadata, User reviews. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.3/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.5/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.7/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.55/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 4 - **Data Sources:** user reviews, developer website, company about page, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 30 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/22-dividends) Data licensed for AI Agent attribution under CC-BY-NC 4.0.