# Holdwise — Calm dividend tracker > Private dividend tracker for long-term buy-and-hold investors. (iPhone/iPad app by JC Mobile App Studio LLC.) - Source: https://appshunter.io/ios/app/holdwise/id6768121880 (this page in markdown: same URL + `.md`) - Developer: [JC Mobile App Studio LLC](https://appshunter.io/developer/1895553190) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.0 · 5 MB - Languages: American English, European Spanish - Released: 2026-05-27 - Data updated: 2026-09-03 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/holdwise/id6768121880/reviews.md ## What is 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 ## Key features - Track individual stock positions - Monitor dividend income and compounding - View dividend calendar and projections - Analyze dividend safety scores - Model reinvestment scenarios - Local data storage and optional iCloud sync ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Holdwise Pro (Yearly) | $44.99 | per year | | Holdwise Pro (Monthly) | $4.99 | per month | ## Frequently asked questions about Holdwise ### What is Holdwise? Holdwise is a private dividend tracker designed for long-term investors. It helps you monitor your dividend income, track portfolio growth, and visualize compounding effects without requiring account creation or sharing your data online. ### How does Holdwise handle my data? All your investment data is stored privately on your device. Your Tiingo API key is stored securely in the iOS Keychain. Optional iCloud sync is available for cross-device access, and the app explicitly states it does not use analytics, telemetry, or third-party tracking SDKs. ### What are the features of Holdwise Pro? Holdwise Pro unlocks unlimited positions, CSV import for holdings, automatic dividend lookup, the reinvestment modeler, ex-dividend reminders, and Excel/CSV export. The free tier supports up to 5 positions with manual entry. ### How much does Holdwise Pro cost? Holdwise Pro is available through subscription plans: $1.99 per month or $17.99 per year, offering a 25% saving for the annual option. ### Does Holdwise have ads? No, Holdwise is ad-free. The description explicitly states 'No ads. No upselling.' This ensures a distraction-free experience for users. ### What financial institutions can I import data from? You can import data from Fidelity, Schwab, or Vanguard by providing a CSV file. The app also utilizes Tiingo's free dividend feed for auto-filling annual dividend per share, though a Tiingo account is required for this feature. ### What kind of insights does Holdwise provide? Holdwise offers a Dividend Safety Score for each position, 1, 3, and 5-year dividend growth rates, sector allocation breakdowns, and performance comparisons against benchmarks like SPY. It also includes a reinvestment modeler to visualize future growth. ### Is Holdwise suitable for beginners? While built for long-term investors, Holdwise's clear interface and focus on tracking can be beneficial for beginners learning about dividend investing. The app is rated for ages 4+ and is available on iPhone and iPad. ## Version history (last 5 releases) ### 1.7.0 — 2026-08-24 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. ### 1.6.2 — 2026-08-19 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. ### 1.6.1 — 2026-08-12 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. ### 1.6.0 — 2026-08-02 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! ### 1.5.1 — 2026-07-27 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. ## More apps by JC Mobile App Studio LLC - [DayCast: Plan + Reflect](https://appshunter.io/ios/app/daycast-plan-plus-reflect/id6763911335) - [VeraCast: Weather & Alerts](https://appshunter.io/ios/app/veracast-weather-and-alerts/id6764209739) - [WavCast](https://appshunter.io/ios/app/wavcast/id6764442745) - [VitalLedger](https://appshunter.io/ios/app/vitalledger/id6767905078) - [Steady: Shift Sleep](https://appshunter.io/ios/app/steady-shift-sleep/id6768091450) All apps by JC Mobile App Studio LLC: https://appshunter.io/developer/1895553190 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*