Case study — Investing Copilot · investing.lovable.app
What will your investments really pay you?
A conversational calculator that turns dividends, cross-border tax, and long-term projections into one honest, after-tax answer — before any money moves.
A visitor types "€5,000 in Coca-Cola" into the chat box. In seconds: projected dividend income, the tax their country actually takes, and a 10-year projection — no signup, no spreadsheet.
The same person now tracks twelve holdings, gets a monthly dividend calendar, and shares a read-only link with their partner before a big decision.
Not the yield they show you. The number that actually lands in your account.
The problem
Three honest questions, rarely three honest answers
Every investor asks the same three questions before buying. Almost no tool answers all three:
- "If I buy this, what will it actually pay me?" — brokers show a yield number, not what lands in your account.
- "What does the tax office take?" — dividend withholding and capital-gains tax depend on where the company is domiciled and where you live, and most tools ignore this entirely.
- "What does this look like in 5, 10, 20 years?" — projections are usually buried in a spreadsheet you have to build yourself.
So we built the tool that didn't exist.
What we built
The guided tour — from a question to a portfolio
Every chapter below is live in the product today, from the free entry point to the full portfolio workspace it grows into.
A calculator that asks for nothing
Type a ticker and an amount into a chat box and get a clear, after-tax picture back in seconds: projected income, growth based on historical returns, and the tax drag specific to your country. No account, no spreadsheet.
The hard problem nobody else solved: tax
A residence-aware tax engine models withholding and capital-gains tax per holding, including the cross-border case — a US stock held by an Austrian investor, say. It's tedious and jurisdiction-specific, which is exactly why most tools skip it.
From one stock to a living portfolio
One click turns a single calculation into a full workspace: every holding in a sortable table with auto-refreshing prices, a month-by-month dividend calendar, and income shown both gross and net of tax.
An analyst that knows your numbers
Ask "is this a good dividend stock?" or get a read on the whole portfolio, in plain language, backed by real holdings — not generic market commentary.
Market data that doesn't break
Free market-data APIs are flaky, so prices flow through a multi-provider chain with caching and graceful fallback — if one source goes down, the next picks it up, with a freshness badge showing how current each number is.
Share it, privately or publicly
A read-only link shares a portfolio with an advisor or partner without handing over a login, privacy mode blurs every number with one tap, and the whole product runs natively in English, German, and Serbian.
Why this is hard to copy
Built on the parts everyone else skips
Tax correctness across borders
Withholding and capital-gains rules per jurisdiction are tedious to model and even more tedious to maintain — exactly why most tools leave them out, and exactly what users can't get elsewhere.
Data that doesn't go down
A hardened, multi-provider pipeline keeps prices flowing even when any single free market-data API fails.
Sharing is the growth loop
Every serious user becomes a distribution channel through read-only portfolio links, with privacy mode making it safe to share.
A real billing spine
Stripe-backed subscriptions with checkout, a customer portal, and server-side entitlement checks — a business, not a feature with a paywall bolted on.
Investing Copilot is live today, running natively in English, German, and Serbian with real Stripe billing behind the Premium tier.
Curious what your portfolio really pays you?
Try the free calculator with any ticker — no account needed — or talk to us about building the tax and data engine your own product is missing.