A difference is a question to investigate, not proof that a broker or your calculation is wrong. Match the stock, date and currencies before trying to explain the amount.
Start with a record you can identify
Have the dividend notice, the account cash entry and any currency-conversion detail beside you. A payment date can differ from the date you expected to receive it. An ex-dividend date is not interchangeable with a cash posting date. In DividenNote, select the existing dividend by market, ticker and date, and check the eligible share quantity rather than copying today’s holding. A recently increased holding may contain shares that did not qualify for that payment. Do not infer eligibility from the receipt amount alone. Record only what your documents support.
Reproduce the complete fictional example
Our example uses 100 shares and USD1 per share, so gross income is USD100. Assume a user-entered withholding rate of 15%, making the withholding USD15, plus a USD1 fee already charged in dividend currency. The remaining USD84 is converted at an assumed historical rate of MYR4.5 for USD1: MYR378 before a further MYR2 settlement-currency fee. The modeled receipt is MYR376. A statement receipt of MYR375.50 gives actual minus modeled = MYR−0.50. These are fictional inputs, including the tax percentage; they are not the tax treatment of any investor or security.
An unknown fee is not a zero fee
Before interpreting that fifty-sen difference, ask whether every deduction was entered in the correct currency and only once. A fee already included in USD1 must not be entered a second time in the MYR field. If the statement does not explain an extra charge, leave the extra fee unknown. DividenNote can retain the actual receipt while withholding a numerical match result. Even when amounts agree, that only establishes consistency with the entered assumptions; it does not validate tax eligibility, the eligible share count or a broker’s complete statement.
| Stage | Amount | Basis |
|---|---|---|
| Gross dividend | USD100.00 | 100 × USD1 |
| Entered withholding | USD15.00 | Illustrative 15% |
| Net before FX | USD84.00 | 100 − 15 − 1 |
| Modeled receipt | MYR376.00 | 84 × 4.5 − 2 |
| Actual receipt | MYR375.50 | Fictional statement entry |
| Difference | MYR−0.50 | Actual minus modeled |
Use a historical rate, not today’s reference quote
The rate direction matters: one unit of dividend currency equals how many receipt-currency units. Entering its inverse can produce a plausible-looking but wrong number. If historical FX is missing, do not substitute a current reference rate just to remove the blank. A payment held in USD and one already converted into MYR are different cash records. The receipt checker keeps its historical FX separate from the journal’s original settlement model so that a reconciliation correction does not silently rewrite older modeled-income reports.
Save a single check deliberately
Open DividenNote, choose the Dividends view and use Reconcile receipt on the relevant record. Enter the actual posting date, currency and net amount. Supply the historical rate and mark additional settlement fees known only after checking the documents. Read the calculation chain before saving. An expected payment requires explicit confirmation before becoming received. Canceling does not save anything. If you later edit the ticker, dates, share count or deductions, the old check needs reconfirmation; changing a plain note does not change the arithmetic.
Import receipt rows without inventing dividends
The downloadable CSV is a fictional receipt row, not a complete investment ledger. It can match the example only after the corresponding dividend exists. Map receipt date, market, ticker, amount and currency, then add a unique local account nickname such as Practice-1. Use YYYY-MM-DD dates. Preview proposes nearby dates but never proves a match. Select the correct existing dividend and confirm each chosen row. Rows with no suitable dividend stay unselected; first create the missing source record using your own documents. The importer does not reconstruct share quantity or tax from net cash.
Check duplicate references and partial coverage
If the same account and market reuse a payment reference with different details, the conflicting group is blocked rather than letting file order decide which amount wins. Reimporting a known payment does not increase income again. A split payment or reversal is not an ordinary one-to-one dividend receipt and needs manual handling in this first version. Actual-receipt totals are shown separately by currency and receipt year, with coverage counts. Do not compare a partially reconciled MYR total with a complete multi-currency model total and treat the difference as missing money.
Keep the evidence and a portable backup
Keep the original statement even after reconciling. JSON is the complete DividenNote backup, including receipt checks; a CSV report is not a full restore file. New version-4 backups require the updated web application, while older supported backups remain readable. Clear browser data only after exporting a backup you can open. Imported files, local account nicknames and receipt amounts are processed in the browser. No automatic login, broker credentials, remote statement upload or professional audit is provided. Moomoo-specific receipt exports still require real-format validation; the first release offers explicit column mapping.
Download the worksheet
Put it into practice
Use the fictional check without saving, or choose a real dividend from your own records.
Open DividenNote