Holdwise

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

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

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, and more), or import from a screenshot
- Re-importing merges into the positions you already own instead of duplicating them
- Group positions by account: Taxable, Roth IRA, Traditional IRA, 401(k), HSA, and more
- Sort and filter by weight, yield on cost, income, or next ex-date, with custom tags
- See yield-on-cost, annual income, and per-payment income at a glance
- Auto-fill annual dividend per share from Tiingo's free dividend feed (Tiingo account required)
- Optional watchlist for stocks you're researching

SEE WHAT'S COMING
- Month-grid dividend calendar with confirmed and projected ex-dates
- Tap any day to see the events scheduled for that day
- Export your dividend calendar to Apple Calendar as a standard .ics file
- Get a heads up before each ex-dividend date with optional local notifications
- Get notified when a holding raises, cuts, or starts paying a dividend

SMARTER INSIGHTS
- Total return: price change plus the dividends you've received, against what you paid
- Compare your total return against VOO, SCHD, and VYM over your own holding period
- Dividend Safety Score per position (Strong / Stable / Watch / Risk), with a full breakdown
- 1, 3, and 5-year dividend growth rates
- Sector allocation donut, concentration warnings, and rebalance suggestions
- Dividend growth comparison vs SPY or any benchmark
- Browse the Dividend Aristocrats and Kings, one tap to your watchlist

WATCH IT COMPOUND
- Reinvestment modeler with adjustable horizon (5, 10, 20, or 30 years)
- Toggle dividend reinvestment on or off
- Slide dividend growth, price growth, and inflation to compare scenarios
- Annual income trajectory and portfolio value charts
- Set an annual income goal and track progress
- Required minimum distribution estimates for Traditional IRA and 401(k) accounts
- Estimated tax on your dividends by account type, qualified vs ordinary

INCOME CHARTS
- Trailing 12 months, stacked by holding, from real Tiingo ex-dates
- Multi-year annual income trend
- By-account donut breakdown
- Top positions horizontal bars
- Net worth over time

YOUR DATA, LOCALLY
- All positions stored privately on your device
- Your Tiingo API key sits in iOS Keychain only
- Optional iCloud sync across iPhone and iPad, into your own 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 up to 5 positions, total return, the sector breakdown, the dividend calendar and .ics export, and the Aristocrats list.

Holdwise Pro unlocks unlimited positions, CSV and screenshot import, auto dividend lookup, benchmark comparison, RMD and tax estimates, the reinvestment modeler, income by account, ex-dividend reminders, and PDF/CSV export. $1.99/month or $17.99/year (saves 25%).

IMPORTANT
Holdwise is a tracker, not a financial advisor. It does not provide buy or sell recommendations. Total return, projections, RMD figures, and tax estimates are for planning only. RMD amounts are estimated from your current balance, not the prior year-end balance the IRS uses. Always verify against your broker statements and consult a tax professional for tax decisions.

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