Holdwise

Holdwise is a calm, private dividend tracker built for long-term, buy-and-hold investors.

If you own VTI, VXUS, BND, SCHD, or dividend-paying stocks across taxable, Roth IRA, and 401(k) accounts, Holdwise gives you a clear, fast picture of your income, when it's coming in, and how it compounds.

No accounts to create. No broker logins. No ads. No upselling. Your data stays on your iPhone.

TRACK EVERY POSITION
- Add holdings manually, import a broker CSV (Fidelity, Schwab, Vanguard, Robinhood, M1, E*TRADE), or import from a screenshot
- Re-importing merges into positions you own, never duplicates
- Group by account: Taxable, Roth IRA, Traditional IRA, 401(k), HSA, and more
- Hold positions in USD, CAD, GBP, EUR and more, totalled in one currency, with per-security withholding tax
- Sort and filter by weight, yield on cost, income, or next ex-date, with custom tags
- Auto-fill dividends from Tiingo's feed (free Tiingo account required)

SEE WHAT'S COMING
- Month-grid calendar with confirmed and projected ex-dates
- Export your calendar to Apple Calendar as a standard .ics file
- Optional reminders before each ex-dividend date
- Get notified when a holding raises, cuts, or starts a dividend
- Control Center control showing your next dividend and days out

KNOW YOUR REAL RETURN
- XIRR: your money-weighted return, accounting for when each dollar went in
- Time-weighted return, so benchmarks aren't distorted by your deposits
- Total return, price change plus the dividends you've received
- Compare against VOO, SCHD, and VYM over your own holding period
- Backtest your actual purchase history against an index fund

SMARTER INSIGHTS
- Income Risk score, weighted by income rather than market value
- Dividend Safety Score per position (Strong / Stable / Watch / Risk)
- 1, 3, and 5-year dividend growth rates
- Sector allocation, concentration warnings, and rebalance suggestions
- Dividend Aristocrats and Kings, checked against published index lists
- On-device insights powered by Apple Intelligence, on supported devices

WATCH IT COMPOUND
- Coverage: what share of your expenses your dividends cover, and when they'll cover all
- Reinvestment modeler with horizon, growth, price, and inflation sliders
- Set an annual income goal and track progress
- Required minimum distribution estimates for Traditional IRA and 401(k)
- Year-end tax pack: FIFO realized gains and dividend tax, exported as PDF and CSV

YOUR DATA, LOCALLY
- All positions stored privately on your device
- AI insights run on your iPhone; your holdings are never uploaded
- Your Tiingo API key sits in iOS Keychain only
- Optional iCloud sync across iPhone and iPad, into your private database
- Hide Balances when you hand your phone to someone
- No analytics, no telemetry, no third-party tracking SDKs

HOLDWISE PRO
The free tier supports 10 positions, total return, the sector breakdown, the dividend calendar and .ics export, and the Aristocrats list.

Pro unlocks unlimited positions, XIRR and time-weighted return, Income Risk, Coverage, Backtest, the tax pack, on-device Insights, multi-currency, CSV and screenshot import, auto dividend lookup, benchmarks, RMD and tax estimates, the reinvestment modeler, ex-dividend reminders, and PDF/CSV export. $4.99/month or $44.99/year (saves 25%), with a 7-day free trial on the annual plan.

IMPORTANT
Holdwise is a tracker, not a financial advisor. It gives no buy or sell recommendations. Returns, projections, RMD figures, and tax estimates are for planning only. Realized gains use FIFO matching and do not detect wash sales. Foreign cost basis converts at today's rate, not the purchase-date rate. Verify against your broker statements and consult a tax professional.

Made by JC Mobile App Studio LLC. Built solo by a Boglehead, for Bogleheads.

LEGAL
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://jcmobileappstudio.github.io/holdwise/privacy