Section 19(a)-1 Tax Intelligence
The only consumer dividend tracker that parses SEC Section 19(a)-1 notices for covered-call ETFs — JEPI, JEPQ, SPYI, QQQI, XDTE, ULTY, XYLD, QYLD, DIVO, SVOL. Each distribution is correctly split into qualified, ordinary, return of capital, and Section 1256 gain components. ROC events automatically reduce your cost basis at the lot level. Your after-tax projection actually reflects what you'll owe.
A refined new design New
Our biggest visual update yet — cleaner cards, sharper typography, and smooth, flicker-free transitions on every tab. A new Accounts command center surfaces forward income at every cadence — per year, month, week, and day — the moment you open the app.
Real performance analytics New
Time-weighted return, per-holding contribution to your gains, and portfolio risk — volatility, Sharpe, max drawdown, and beta — with a benchmark comparison against SPY, QQQ, SCHD, and VTI.
Smarter cash tracking New
Your cash balance updates automatically from buys, sells, and dividends — now reflecting every dividend you've received without opening each holding, shown net of estimated tax on the pay date — plus first-class deposits and withdrawals per account.
Catalysts New
Surface recent spin-offs, mergers, splits, and special dividends across the market — not just in the names you already hold — so a corporate action never slips past your radar.
Position sizing & drift New
Set a target weight per holding and see at a glance when a position drifts off plan, with tax-loss-harvest replacement ideas for when it's time to trim.
Fix any entry New in 1.3.1
Mis-typed a buy or sell? Tap it to edit or delete — your shares, cost basis, realized gains, cash, and taxes all recompute automatically. No workarounds, no phantom trades.
The Compounder Score, reimagined
Your 0–10 Compounder Score is now the umbrella over three independent lenses — Income, Growth, and Value — anchored by a Quality gate on returns-on-capital and leverage. A name only tops the scale when a strong lens sits on a genuinely high-quality business. Drill into every lens, per holding.
Covered-call ETF income scoring
JEPI, JEPQ, QQQI, SPYI… get more than a headline yield. A dedicated income-ETF score weighs distribution coverage, payout consistency, and whether NAV is being preserved — so you can tell a durable income vehicle from a yield trap.
13F guru ownership
See which of 20 tracked investors (Buffett, Ackman, Yacktman, Gayner, Russo…) own each stock, sourced from SEC 13F filings — plus a Guru Consensus screen that ranks which names the gurus crowd into.
Lens-aware screener & watchlist
Screen by Quality tier, Value, or Growth lens with a one-tap “Quality + Cheap” preset, and switch your watchlist into a lens heat-map that colors every holding by its quality and verdict.
Multi-Account, First-Class
Your taxable brokerage, Trad IRA, Roth, 401(k), HSA — plus 19 international wrappers (NISA, iDeCo, ISA, SIPP, SRS, MPF, IRP, NPS, PPF…) — are real entities, not labels. Specific-lot tax accounting on every position with FIFO, LIFO, min-tax, max-tax, and average-cost methods.
Forward After-Tax Income, Per Residency
Project the next 12 months of dividends after federal, state-equivalent, and treaty withholding tax for 9 supported residencies. Foreign Tax Credit modelled. Tax-advantaged accounts shelter domestic tax only — US withholding still applies. NRIs in NISA see this clearly for the first time.
Compounder Rank & Score
Composite 0–100 rank weighing fundamentals, dividend safety, the Chowder Rule, and consecutive raise streak. Compare 2–4 stocks side-by-side. Implied long-term return, 30-year DRIP projection, and Aristocrat tier per stock. Helps you choose between compounders, not just track them.
Every feature is included in the 14-day free trial and Pro — there's no locked-down free tier.
Multi-account architecture
Add unlimited accounts. Each position's tax wrapper is set per-position, not per-account — mirrors how Rakuten/IBKR actually work with mixed NISA + 特定 holdings under one brokerage.
Specific-lot tax accounting
Every Buy creates a TaxLot. Sells consume lots by your chosen method (FIFO, LIFO, min-tax, max-tax, average). Live preview shows long-term vs short-term split, estimated tax, and after-tax proceeds before you commit.
Dividend Calendar with S19a-1 chips
365-day forward dividend calendar. Covered-call ETF rows show inline distribution-class chips (qualified / ordinary / ROC / §1256). Tap through to the position with the live notice breakdown.
After-Tax Income Forecast
Per-month, per-account, per-residency projection. Section 1256 auto-computed 60/40. ROC zero-rated. Tax-advantaged shelter applied. US withholding shown separately for international users with Foreign Tax Credit offset.
Income Goal & FIRE Date
Year-by-year simulation up to 60 years. Dividend growth + DRIP + contributions. See exactly which year your portfolio crosses your annual income target.
Portfolio X-Ray
Decompose ETF holdings into underlying exposures. See "AAPL = direct + via SPY + via VTI + via QQQ" with per-source breakdown. Catches concentration risk hidden behind an ETF wrapper.
Multi-residency tax engine
9 residencies covered: US (per-class), Japan, UK, India, Singapore, Hong Kong, China, Korea, Other. Treaty withholding rates baked in. NISA / ISA / SIPP / NPS shelters honored for domestic tax only.
DRIP simulation
Per-position toggle. Forward-only (matches what brokers actually do). Uses the position's loaded chart for share-price reference. Net of ROC so covered-call ETF holders don't over-purchase.
CSV import — 8 brokers
Fidelity, Schwab, Vanguard, IBKR, plus SBI証券, 楽天証券, マネックス証券, and a generic fallback. Three-layer validator catches bad rows before they hit your portfolio. Reconcile mode treats re-imports as deltas, not duplicates.
Compounder Score & Rank
0–10 quality score (P/E, FCF yield, ROE, debt, growth) for every holding. Composite 0–100 Compounder Rank weighting quality, safety, Chowder Rule, and consecutive raise streak.
News tab — 11 signal kinds
Earnings, dividends, splits, ratings, insider activity, analyst targets, and more — filtered to your holdings and watchlist. Cached for snappy scrolling.
Local alerts
Ex-dividend reminders 2 days before, earnings 1 day before. Battery-friendly via BGAppRefresh. Server-push alerts coming in a future update.
Watchlist + What-If simulator
Score every watchlisted stock with the same Compounder Rank as your holdings. The W2 simulator estimates gross + after-tax annual income from any "buy X shares of Y" decision before you place the trade.
Withdrawal sequencing
Tax-aware drawdown order across accounts. Pulls dividends first, then long-term gains, then short-term — weighted by account wrapper to minimise lifetime tax. Tax Center shows realised gain harvest opportunities year-end.
Widgets & deep links
Top movers (watchlist scope), portfolio summary, dividend calendar at a glance. compounderhq:// URL scheme deep-links to specific tabs and accounts for routing from notifications.
iCloud sync
Optional CloudKit private-database sync keeps accounts, positions, transactions, lots, and watchlist consistent across your devices. Your data remains encrypted in your iCloud account; MARS Studio cannot read it. Disabled by default.
14-Day Free Trial
- Full access to everything
- No charge up front
- Cancel anytime before it renews
- iCloud sync included
- Then $39.99/yr
Pro
Starts after your 14-day free trial
- Unlimited accounts & positions
- Full Section 19(a)-1 intelligence
- After-tax income forecast
- Compounder Score + Margin of Safety
- Quality-Growth screener
- Capital allocation: buyback yield + owner earnings
- Portfolio X-Ray with SPY benchmark
- All alerts · DRIP · unlimited CSV imports
Pro is an auto-renewable subscription billed annually at $39.99 USD (local price may vary by region). New subscribers receive a 14-day free trial; payment is charged at the end of the trial unless cancelled at least 24 hours before the trial ends. The subscription automatically renews each year unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in iOS Settings › [Your Name] › Subscriptions. Apple's standard refund policy applies.
Privacy & securityOn-Device by Default
SwiftData on your device. iCloud sync is opt-in.
Zero Tracking
No analytics, no advertising IDs, no third-party SDKs.
BYOK supported
Bring your own Finnhub key — stored in iOS Keychain.