A redesigned Holdwise: • A calmer Dashboard: income, net worth or return, what pays next, your goal • Income in three views: Received, Forecast, Breakdown • One Plan menu for every tool, plus a new Contributions view • Check your data: spots missing cost basis, likely splits, stale prices • Calendar as a weekly agenda or a month • Insights show where each figure comes from • New icon and launch animation • Many fixes

Fixes and polish: • App Lock now covers everything, including open sheets, and the app switcher stays hidden with any lock delay • The widget's eye button and the Control Center toggle hide amounts right away • Pay-day alerts no longer go missing between a dividend's ex-date and pay date, and old alerts clear when you sell a holding • First-year RMD reminders (April 1 deadline) now arrive • Holdings in other currencies are converted in alerts, widgets and the Calendar • Tapping a pay-day alert shows that day's payments • Recap and Spanish fixes

The biggest Holdwise update yet. PAY-DAY ALERTS: Know the moment a dividend lands. Holdwise now tells you when the cash arrives, not just the ex-date, and every alert opens straight to the right day or holding. Optional weekly previews and monthly recaps too. LIVE ACTIVITY AND BIGGER WIDGETS: On a pay day, your Lock Screen shows what's landing. New large widgets show the next five payments, an Income Focus widget can follow one account or one holding, and a Control Center toggle hides your balances in one tap. MADE FOR IPAD AND IPHONE DUO: Two-column Dashboard and Income, your holdings list beside the holding you pick, a calendar that splits cleanly at the fold, and controls that follow the side bar on the outer display. YOUR MONEY, YOUR COPY: Back up everything to a single file and restore it on any device, with or without iCloud. Lock Holdwise with Face ID, and the app switcher never shows your balances. RECAPS AND A HEATMAP: A shareable recap for every month and year, an income heatmap going back to your first dividend, streaks, and your income per hour. FASTER WITH BIG PORTFOLIOS: Launch and every tab stay quick even with hundreds of holdings. EASIER EVERY DAY: Swipe to add a dividend or delete with Undo, long-press for a preview, pull to refresh anywhere, Siri and Spotlight for your holdings, richer haptics, full VoiceOver chart support and a color-blind friendly palette. NOW IN SPANISH: Holdwise is fully translated into Spanish. FIXES: The net worth chart now scales to your portfolio instead of starting at $0, a fund held in two accounts is labeled by account in Top Income Holdings, and year-to-date recaps count only the months so far. Holdwise is built by one person, nights and weekends. If it saves you a spreadsheet, a rating genuinely helps.

A maintenance release, built and tested on iOS 27. WIDGETS FOR EVERYONE: The Home Screen and Lock Screen widgets and the Control Center control were only being offered to devices on the very latest iOS. They now work on every iPhone and iPad Holdwise runs on, iOS 18 and up. CURRENCY FIXES: If you set a display currency other than USD in 1.7, the widget's hidden-balance mask and Siri's spoken totals still used a dollar sign. Both now use your chosen currency. SUBSCRIPTION ACCURACY: Pro status now updates correctly after a refund, or when a subscription is allowed to lapse, without needing to tap Restore. Plus a privacy manifest and small polish fixes throughout. Holdwise is built by one person, nights and weekends. If it saves you a spreadsheet, a rating genuinely helps more than you'd think.

Holdwise 1.7 is the biggest release yet. Seven new Pro features, a real iPad layout, and twice as many free positions. Free tier now holds 10 positions, up from 5. True performance. Holdwise now calculates XIRR — your actual money-weighted return, accounting for when each dollar went in — and time-weighted return, which strips out your deposits so the benchmark comparison is finally like for like. The old figure assumed your money arrived all at once, which understated every steadily-funded portfolio. Income Risk score. A diversification score weighted by income rather than market value. A 4% position yielding 9% can quietly supply a fifth of your income while looking like a rounding error in an allocation chart. Scores payer concentration, breadth, sector spread, month coverage, and payment quality — with the full breakdown shown, never a mystery number. Coverage. What share of your expenses your dividends already cover, and roughly when they'll cover all of them. Expenses carry over from the bills you've already entered on Milestones. Inflation-adjusted by default, because comparing future income to today's costs invents a crossover years early. Holdwise Intelligence. On-device insights powered by Apple Intelligence: a written read of your income picture, plus a box to ask one question about your own portfolio. It runs entirely on your iPhone — your holdings are never uploaded anywhere. Requires iOS 26 and an Apple Intelligence device; hidden if yours can't run it. Backtest. Replay your own dated purchases against VOO, SCHD, VTI, VYM, or QQQ. Your side counts market value plus the dividends you actually received, so the comparison isn't rigged in either direction. Year-end tax pack. Realized gains matched FIFO from your transaction log, split short-term and long-term, combined with dividend tax estimates and exported as a dated PDF and CSV for your accountant. Multi-currency. Hold positions in CAD, GBP, EUR, and more, and see everything totalled in the display currency you choose. Per-security withholding tax with sensible treaty defaults. Cost basis converts at today's rate, not the purchase-date rate — stated plainly in the app. A real iPad layout. Sidebar and detail columns instead of a stretched phone screen. Control Center control. Your next dividend — ticker and days out — one swipe from anywhere. Dividend Champions, verified. The Aristocrats and Kings list has been checked against four independent published sources, with the as-of date shown in the app. Five Kings were added, including Carlisle, which crossed 50 years five days before this release. Faster. Income charts and dividend refreshes are substantially quicker on large portfolios. Still no ads, no tracking, no account required.

This is a small maintenance release. FIXED: The paywall understated the free tier. Holdwise Free supports up to 5 positions, and the paywall now says so correctly. Plus small accuracy and polish fixes throughout. Holdwise is built by one person, nights and weekends. If it saves you a spreadsheet, a rating genuinely helps more than you'd think.

NEW: Share your income summary. Tap the share button on the Income tab to generate a beautiful card with your annual income, this month's total, and top payers — income only, never your portfolio value. FASTER: The Income tab and Calendar are now dramatically smoother on large portfolios — chart scrubbing and day taps no longer recompute your whole history. REFRESH: Pull down on your Positions list to refresh everything. A count badge on the filter icon shows when filters are narrowing your list. FIXED: • Holdings that don't pay dividends (growth stocks, BRK.B) now get market prices, so portfolio value and total return are accurate • DRIP holdings no longer under-report total return on older payments • Hide Balances now also masks the Income and Calendar headline totals • The widget's monthly total now always matches the Income tab • A rare crash when deleting an account during Refresh All • Smarter handling of Tiingo's hourly rate limit — refreshes stop cleanly instead of failing ticker by ticker Plus digit-roll animations, gentler haptics, and a clearer heads-up when all your accounts are marked inactive.

Holdwise 1.6 answers a bigger question than "what do I get paid?" It tells you how your money is actually doing. • Total return: what your holdings actually returned, price plus dividends, against what you paid • Compare your return against VOO, SCHD, and VYM over your own holding period • Sector concentration warning when one sector carries too much of your income • RMD estimates for Traditional IRA and 401(k), using the IRS Uniform Lifetime Table • Estimated tax on dividends by account type, qualified vs ordinary • Export your dividend calendar to Apple Calendar as an .ics file • Sort and filter positions by weight, yield, income, or next ex-date, with custom tags • Browse Dividend Aristocrats and Kings, one tap to your watchlist • Free tier now supports 5 positions, up from 3 • Fixed an API key bug where a stray line break silently broke every request • Empty states, calendar dots, and filtered totals all cleaned up Thank you for using Holdwise!

More accurate dividend income, based on your real payment history instead of just current yield. Rebuilt import so re-importing updates positions instead of duplicating them. New Portfolio Value card, payout history chart, and clearer income breakdowns. Occasional review prompt added, plus a "More from the studio" section in Settings. Bug fixes and performance improvements.

-Interactive income chart: scroll and scrub your full history -"What changed" card explains income moves -Lock Screen widgets and a live income ticker -Watchlist price tracking (Pro) -Smarter Safety Score, better imports, dozens of fixes Thank you for using Holdwise!

What's new - Dividend Activity Feed: Holdwise now spots raises, cuts, and new declarations and explains them in plain English, right on your Dashboard. - Transparent Safety Score: tap any score to see exactly how it's computed, no black box. - Dividend Growth analytics (Pro): 1, 3, and 5-year growth rates and yield on cost, per holding and for your whole portfolio. - What-if Income Planner (Pro): set a target income and see three real ways to get there, capital, shares, or DRIP. - Milestones: a monthly income ladder plus "bills covered by dividends," with a shareable card when you hit one. - Widget upgrades: tap to deep-link into the right tab, respects Hide Balances, brand colors. - Ask Siri how much dividend income you've got, or when your next payment lands. - Bug fixes and polish, including a Pro entitlement check, Excel CSV import, and calendar accuracy.

Holdwise 1.3.0 is our biggest update yet. NEW • Dividend activity feed: raises, cuts, and new declarations explained in plain English, with optional alerts • Income Planner (Pro): set a target income and see exactly what it would take to get there • Milestones: celebrate monthly income milestones, track the bills your dividends cover, and share your progress • Transparent Safety Score: tap any score to see exactly how it's computed • Dividend growth analytics (Pro): 1, 3, and 5-year growth rates, raise streaks, and yield on cost • Confirmed vs. estimated badges across the calendar and dashboard • Widgets now open the right tab and respect your privacy settings • Ask Siri: "How much dividend income in Holdwise?" • A fresh look on iOS 26 with Liquid Glass IMPROVED • Excel CSV exports, European number formats, and BRK.B-style tickers now import correctly • Ex-dividend reminders are now reliable in every time zone • Smarter rebalancing math, safer account deletion, and dozens of other fixes and accessibility improvements Holdwise is free to use. Pro unlocks unlimited positions, auto dividend lookup, and advanced analytics.

New in Holdwise 1.2.0 • Home Screen widgets: see your annual dividend income, this month's total, and your next payment at a glance. • Add dividends by hand for holdings your data source doesn't cover. • Export a printable PDF report of your holdings and income by account. • More accurate dividend math, including stock-split adjusted history, smarter annual income and pay-frequency detection, and corrected growth rates. • Holdings with more than one lot now count fully toward income and projections. • The Dashboard and Calendar now agree on each month's income, with correct dates across time zones. • Accessibility and reliability improvements throughout.

This update focuses on stability and accuracy, plus a small new feature: • New: Your Income Goal now shows a projected year you'll reach it, right on the Dashboard. • Fixed an issue that could prevent saving income goals of $1,000 or more. • Fixed watchlist target prices not saving when entered with commas. • More accurate dividend pay-frequency detection and per-account income breakdowns. • Crash fixes and polish across the income and projection screens. Thanks for using Holdwise!

Holdwise 1.1 makes the snowball easier to see and the app faster everywhere. NEW • Upcoming Payments on the Dashboard: your next ex-dividend dates and estimated income at a glance • Next 12 Months chart on the Income tab: projected income, month by month • Search and sort your positions by ticker, income, yield on cost, or market value • Swipe left or right on the Calendar to change months • Pick your reminder time: 8 AM, 9 AM, noon, or 6 PM • New export: a 12-month upcoming payment schedule CSV for cash-flow planning IMPROVED • Big performance pass: the Dashboard, Calendar, and Income tabs render noticeably faster on large portfolios • Smoother animations and a refreshed Dashboard hero card • Number entry now accepts a comma as decimal separator FIXED • Dividend history could fail to appear when a ticker was edited in lowercase • Account picker no longer mis-renders for positions without an account As always: no ads, no analytics, your data stays on your device.

Fixes an issue that prevented Holdwise Pro subscriptions from loading. Thanks for your patience.