Holdwise

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.