Holdwise: Dividend Tracker

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 account required. No broker logins. No ads. No tracking. Your data stays on your phone unless you choose to sync it. 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 dividend history from Tiingo's feed with your own free Tiingo API key. SEE WHAT'S COMING • Month-grid calendar with confirmed and projected ex-dates. • Export your calendar as a standard .ics file for Google Calendar or any calendar app. • Optional reminders before each ex-dividend date. • Get notified when a holding raises, cuts, or starts a dividend. 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. 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. • Income milestones and an annual income goal with 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. • PDF portfolio report you can share or file. YOUR DATA, YOUR CHOICE • All positions stored privately on your device by default. • Optional cloud sync: sign in with Google to mirror your portfolio across your own devices. Your data is stored under your own account and nothing is shared. • Delete your cloud data any time from Settings. • Your Tiingo API key is stored only on your device and sent only to api.tiingo.com. • Hide Balances when you hand your phone to someone. • No analytics, no telemetry, no third-party tracking SDKs, no ads. 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 holdings, auto dividend lookup, XIRR and time-weighted return, Income Risk, Coverage, Backtest, the year-end tax pack, multi-currency, CSV and screenshot import, benchmarks, RMD and tax estimates, the reinvestment modeler, ex-dividend reminders, and PDF/CSV export. $4.99/month or $44.99/year, with a 7-day free trial. 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 buy-and-hold indexer, for buy-and-hold indexers. Privacy Policy: https://jcmobileappstudio.com/apps/holdwise/privacy/