BMO DollarGPS vs Holdwise

DollarGPS can empower you to manage your finances effortlessly and efficiently with the potential to improve your wealth and reduce your debt interest. It applies advanced financial modeling used by governments and global institutions to manage their finances. DollarGPS has been developed by reputed finance and tech executives along with an advisory board of world-renowned academics including two Nobel Laureates. It is delivered in collaboration with BMO. The different functional modules work seamlessly together to facilitate optimal financial decisions to help you realize your wealth targets and other life goals. a. Forecasting: Detailed projections of your overall net worth and cash balances over 30 years. b. Wealth Improvement: A set of strategies that could potentially improve your long-term wealth projections. These strategies are mathematically derived by applying ALM (Asset Liability Management) techniques to your overall finances. c. Life Goals: Ability to analyze, add, track and realize life goals like wealth targets, asset purchases or other large expenses. d. Budgeting: Ability to track your monthly spending, and to make informed spending decisions with foresight of their impact on your long-term wealth and life goals. e. Ongoing Navigation: The app generates informational navigation prompts derived from the calculations used to generate your financial projections. You can use the help of these navigation prompts to take appropriate actions through time to track your forecasted wealth and life goals. But in true GPS style, you can choose to take help or not, you retain complete control. Free Lifetime Use and Paid Subscription Plans Step 1: The app is prepopulated with 20 personas derived from household data published by the U.S. Government. You can experience the app instantly by selecting a persona that’s closest to you in terms of monthly income and home ownership status. Step 2: We offer a 1-month free trial to allow you to connect your accounts via Plaid to populate your own data. You’re not required to provide your payment details to access the free trial. Step 3: At the end of the trial period, you can subscribe if you wish to use the app with the optimally designed experience which includes automatic balance updates and ongoing navigation prompts. However, if you wish to use the app free of cost, you do not need to subscribe: - We will save your last updated data. - Going forward, you will be able to edit this data manually and add/delete products as and when applicable. Revenue Model - We do not sell financial products or services. - We do not earn commissions for our debt switch functionality. - We do not earn an investment management fee for our investment strategy. - We do not monetize your data. - We simply charge a subscription fee for the optimal experience with an option for you to use the app completely free of cost forever. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Holdwise is a calm, private dividend tracker for long-term, buy-and-hold investors. Own VTI, VXUS, BND, SCHD or dividend stocks across a 401(k), Roth IRA, HSA and taxable account? Holdwise shows your income, when it's coming, and how it compounds. No accounts. No broker logins. No ads. Your data stays on your iPhone. NEVER MISS A PAYDAY - Pay-day alerts the day a dividend lands, with the amount - A Lock Screen and Dynamic Island Live Activity on pay days - Ex-dividend reminders 1, 3 or 7 days ahead (Pro) - Optional weekly preview and monthly recap - Home Screen and Lock Screen widgets, plus Control Center toggles TRACK EVERY POSITION - Add holdings by hand, import a broker CSV (Fidelity, Schwab, Vanguard, Robinhood, M1, E*TRADE) or a screenshot - Group by account: Taxable, Roth IRA, Traditional IRA, 401(k), HSA and more - Multi-currency holdings with per-security withholding tax - Swipe to add a dividend or delete with Undo - Auto-fill dividends from Tiingo (free Tiingo account required) SEE WHAT'S COMING, AND WHAT CAME IN - Calendar of confirmed and projected ex-dates and pay dates - A shareable recap for every month and year - An income heatmap back to your first dividend, plus streaks and milestones KNOW YOUR REAL RETURN - XIRR and time-weighted return - Total return: price change plus dividends received - Compare against VOO, SCHD and VYM, or backtest your buys against an index SMARTER INSIGHTS - Income Risk score and a Dividend Safety Score per holding - 1, 3 and 5-year dividend growth rates - Sectors, concentration warnings and rebalance suggestions - On-device insights powered by Apple Intelligence, on supported devices WATCH IT COMPOUND - Coverage: when your dividends will cover your expenses - Reinvestment modeler, income goal, RMD estimates - Year-end tax pack: realized gains and dividend tax as PDF and CSV MADE FOR EVERY SCREEN - Two-column layouts on iPad and iPhone Duo - Siri, Shortcuts and Spotlight for your holdings - VoiceOver audio graphs for every chart and a color-blind friendly palette - English and Spanish YOUR DATA, LOCALLY - Everything stored privately on your device - One-file backup you can restore anywhere, with or without iCloud - Face ID lock; the app switcher never shows your balances - Optional iCloud sync into your private database - Hide Balances in one tap - No analytics, no tracking SDKs HOLDWISE PRO Free: 10 positions, total return, sectors, the calendar and .ics export, pay-day alerts, widgets and the Live Activity, recaps and the heatmap, backup, and the Aristocrats list. Pro unlocks unlimited positions, XIRR and time-weighted return, Income Risk, Coverage, Backtest, the tax pack, Insights, multi-currency, CSV and screenshot import, auto dividend lookup, ex-dividend reminders, benchmarks, RMD and tax estimates, the modeler, 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, and gives no buy or sell recommendations. Returns, projections, RMD and tax figures are for planning only. Realized gains use FIFO and do not detect wash sales. 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: Privacy Policy: https://jcmobileappstudio.com/apps/holdwise/privacy/