Withholding rates of 10 countries read on 2026-11-03 · 9-tab spreadsheet for Excel and Google Sheets
Filled example inside (made-up data): 7 of 23 dividends were withheld above the treaty rate — $124.61 of tax withheld too much in one year. One of them: Alpine Foods' 35% Swiss tax where the US treaty rate is 15%, $30.50 on one payment. This tracker checks every dividend against your own treaty rate, by payer country.
- Withholding per payer country, not one flat rate. 10 countries with the dated rate and source (Switzerland 35%, Germany 26.375%, Canada 25%, UK 0% …) and your treaty rate as a US, UK or Canada resident.
- Every dividend that lands is checked. Withheld % vs your treaty %, the over-withheld amount in your currency, and the foreign tax totals per country for the year.
- A job for every month. Dividends land monthly: log them or import your broker's CSV, see expected vs received month by month, keep the year history and carry your holdings into the next year.
1Your holdings
One row per stock or ETF. Dividend per share = a year, in the holding's currency. FX = what 1 unit is worth in your base currency (London prices in pence: pick GBX). Everything stays in this browser.
| Ticker | Name | Payer country | Currency | Shares | Avg cost | Price | FX to base | Dividend / share a year | Frequency | First pay month | Treaty % (override) |
|---|
2Dividends that landed
From your broker statement: pay date, ticker, gross and tax withheld in the holding's currency (GBX holdings: in GBP). FX empty = the holding's rate.
| Pay date | Ticker | Gross | Tax withheld | FX on pay date | Check |
|---|
3Monthly dividend calendar: expected vs received
Expected = shares × dividend per share ÷ payments a year × FX × (1 − withheld at source) in each pay month. Received = the dividends above, net.
Per holding
4Foreign tax by payer country
Totals of the year in your base currency: gross, tax withheld, tax at your treaty rate and the over-withheld part. Each country has its own claim form and deadline — check with its tax office or your broker.
5DRIP and your income goal
Your own assumptions, not a forecast: reinvesting every net dividend vs taking it as cash.
6Free and subscription
Free, here
- Any number of holdings and dividends for one portfolio and one year
- Withholding by payer country, treaty check and over-withheld amount on every dividend
- Monthly calendar expected vs received, foreign tax by country, DRIP and goal — on screen
Subscription
- The spreadsheet (.xlsx for Excel, Google Sheets and LibreOffice): 9 tabs, blank + filled example, live prices in Google Sheets without breaking Excel
- Broker CSV import into the dividend log (map your columns once)
- Printable / PDF foreign tax report by country with the over-withheld list
- Year history: close the year, keep its totals and carry your holdings into the next one
- Calendar file (.ics) with each holding's pay months for the next 12 months
Price on the checkout page (Whop). If you cancel, the spreadsheet you downloaded keeps working; import, reports, history and the calendar file go back to the free page.
Questions
Why is my dividend withheld above the treaty rate?
The source country withholds its own statutory rate unless the paying agent has your treaty paperwork (for US dividends the W-8BEN form). Some countries always withhold the full rate and you claim the difference back (Switzerland 35% → 15% for the treaty countries in the Rates table). The log shows each case so you know which ones to look at.
Where do the rates come from?
PwC Worldwide Tax Summaries, "Withholding taxes" page of each country, read on 2026-11-03; each row carries its page and the date PwC last reviewed it. Treaty = the portfolio rate (the lower rates need a large holding). You can override the treaty % for any holding.
Does it work in Excel and Google Sheets?
Yes, one .xlsx without macros. In Google Sheets the live price fills from the Google ticker; in Excel and LibreOffice that cell stays empty and your price is used — no switch. London prices in pence are divided by 100 when the currency is GBX.
Does it tell me what to buy?
No. It records your own holdings and dividends and does the arithmetic. No picks, no signals, no ratings. Not tax advice: check rates and claims with your broker or the tax office.
Sources (read 2026-11-03): PwC Worldwide Tax Summaries, Corporate — Withholding taxes: United States (reviewed 2026-09-04), Canada (2026-06-12), United Kingdom (2026-07-23), Germany (2026-06-30), Switzerland (2026-07-01), France (2026-04-24), Netherlands (2026-05-29), Japan (2026-08-07), Australia (2026-10-12), Ireland (2026-08-11).
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