Compounder HQ Changelog

Your FIRE date shows its assumptions, covered call funds answer the question a high yield actually raises, and several screens now answer questions the app used to leave open.

• The income goal shows its reinvestment assumption as a control you can see and switch off, and shows what happens under a decade of flat growth or a one off cut, instead of only the headline year
• Since inception on covered call holdings: distributions paid since launch, the change in the fund's value, and a reference index over the same period, so you can see whether a payout was income or your own capital on a schedule
• Your trailing income growth sits beside inflation, and declines to compare when the rise is larger than dividends can explain
• Each holding reports which of the reasons it scored well on have weakened since you bought it
• A deploy cash mode on the rebalance plan works from idle cash alone, selling nothing, and a purchase that would disallow a harvested loss says so with the date it clears
• REITs are measured on funds from operations and BDCs on net investment income; partnerships show no coverage figure rather than a wrong one
• A new Durability view puts coverage, return of capital share and fund value trend on one screen
• Signal zones: tap a summary count to read one bucket at a time, with the counts always in view
• Dividend reinvestment itself is left to your broker, which is where it happens; shares already reinvested are unchanged
• A rebuilt layout across Act, X Ray, Alerts and Forecast, with pointers from every moved section, and faster Accounts and Alerts scrolling

Dates that hold in every time zone, totals that react the moment you trade, and tax figures that say exactly what they are.

• Trade and lot dates stay on the calendar day you picked, in every time zone, so an evening sale at year end can no longer land in the wrong tax year
• Ex dividend countdowns, pay dates and market days follow the US market clock, so investors outside the United States see the same dates the exchange does
• Buying or selling updates the account total, forward income, charts and projections immediately, on every screen
• Your 1099 style summary reports taxable accounts only, with tax sheltered accounts listed separately and marked not reportable, and Section 199A REIT income on its own line
• Wash sale checks look across all of your accounts when you plan a harvest, including replacement buys in an IRA or Roth
• Stock splits and spin offs apply once and only once, only to the shares you held on the effective date, and every skipped lot is shown before you confirm
• When data cannot be loaded, screens say so instead of showing a zero

Distribution corrections are now exact to the cent, and every record type syncs across your devices.

• When a covered call fund revises a distribution, your cost basis and realized gain are restored to the cent on single lot holdings, even after you have sold shares
• A revised distribution now credits the gain you realized on the shares you held on the ex dividend date, including positions you have since sold out of
• Saved screens, year end tax entries, corporate action records, and return of capital gain figures now sync dependably across your devices
• Faster Accounts, Income, and Insights screens, through smarter batch loading and on device caching
• Ex dividend coverage for watched names, income arrival notices on the actual pay date, and notification taps that open the right screen
• After tax projections for REIT income now reflect the Section 199A qualified business income deduction

Filed year end tax documents now outrank in year estimates for every covered fund.

• More option income funds are classified from their filed year end tax documents rather than in year estimates
• Where the filed figure and the estimate disagree, the filed figure wins, for both the tax on a distribution and the cost basis carried forward
• Cost basis corrections now work in both directions: when a fund finalises at no return of capital, basis that was taken off is given back
• Improved tax figures for investors outside the United States
• Corrected figures appear for a holding the first time you open it after updating

One tax figure for each distribution, used everywhere, with the fund house named as its source.

• The split used to reduce your cost basis is now the same one shown in the Income tab
• A 1099 you enter corrects dividends you already recorded, not only future ones
• Corrected income and reinvestment figures for funds that went through a reverse split
• Fund specific tax data now covers 80 funds, taken from issuer filings
• Where a fund house does not publish how its income divides between qualified and ordinary dividends, the app says so instead of estimating it
• Figures for a holding refresh the first time you open it after updating

Enhancements to income calculations, with sharper accuracy across distributions and cost basis.

• More accurate income calculations, with improved distribution and cost basis figures
• Open each holding once after updating so its figures refresh

A technical read and the Wall Street view on every stock, plus a short digest of what moved while you were away.

• A technical read on every stock: RSI, MACD, momentum, trend, and distance from the 52-week high together on one panel
• Analyst price targets and Buy/Hold/Sell consensus, shown as third-party estimates
• Alerts now opens with a digest of what moved in your holdings and watchlist since your last visit, each line tied to its reason
• A correctness pass so ex-dividend dates, pay dates, and session labels read correctly on any day

A smoother start and sharper tax accuracy, so you keep more of every payout.

• Import a broker CSV from your very first screen; your dividend history and income forecast fill in immediately
• A countdown and a reminder before your free access period ends, plus a View Pro plan row in Settings
• The screener opens much faster
• Tax accuracy upgrades, including municipal bond fund distributions treated as federally exempt interest
• Stock splits confirmed from SEC filings now record correctly across your ledger, dividends, and returns
• More reliable notifications, and tapping one takes you straight to the right screen

The referral release: 2 weeks of full access with no payment required, plus an invite program where you and a friend each get a month free.

• New users now get 2 weeks of full access with no payment required; a subscription starts only if you choose to subscribe
• Referral program: invite a friend and you both get one month free when they join, up to 6 earned months per year
• Referral code entry at onboarding and on the paywall; share your code from Settings
• New Settings rows: Rate Compounder HQ, Email Support, and Acknowledgements
• Guidance additions across covered-call and income surfaces

The tax accuracy release: distribution true-up against your 1099, finalized year-end tax character for 61 funds, and a covered-call ETF program built on each fund's actual instruments.

• Year-end tax character from the industry file behind broker 1099s, applied automatically to 61 funds
• Distribution true-up: enter your 1099 figures once and every estimate reconciles to them
• Covered-call ETF coverage expanded with per-fund tax policies and source-aware breakdown chips
• True net-of-ROC yield, after-tax by account, and basis-to-zero tracking on position detail
• Tax-aware specific lots: min-tax and max-tax methods now use your actual rates
• REIT and BDC distributions classified as ordinary income at ingestion
• NIIT toggle, short-term and long-term realized splits, and statutory-rate fields for JP, CN, KR

Refinements and fixes on top of the v1.3.9 feature set below.

A redesign around your jobs, plus a new server-side signal engine.

Redesigned around your jobs

Six tabs that map to what you actually do: Accounts · Watchlist · Income · Act · X-Ray · Alerts. Verdict-first stock pages, a three-stat Accounts hero, diverging mover bars, and a by-income lens, the information you came for is on top, everywhere.

Signal Zones (Beta)

A deterministic engine fuses the signals the app already computes, dividend safety, quality, valuation, momentum, drawdown, into a single zone read per name with a confidence level and a plain-English rationale you can inspect signal by signal. Updated around the clock server-side, with an opt-in push when a name changes zone. Informational signals, not buy or sell recommendations.

Intraday price-move alerts

Opt-in push when a held or watched name makes a sharp intraday move: not just at the open or close. Server-monitored, so it works with the app closed, and capped so a volatile day never floods your lock screen.

Sharper risk reads

Dividend cut-risk now reads through acquisition-accounting distortion using server-computed cash-flow analysis, and the Act tab’s rebalance and drift tools follow your global account filter: so what you see always matches the accounts you selected.

Deeper fundamental analysis and tax-season exports.

Decision Path, Fair Value & Fundamental Health

Every stock page reads as a decision funnel: business quality, price vs. value, timing, anchored by a two-stage DCF estimate with bear/base/bull cases, Piotroski F-Score and Altman Z-Score from real SEC-filed balance sheets.

Metric alerts & price-gap push

Set a threshold on yield, P/E, RSI, F-Score or Compounder Score and get one notification per crossing. Opt-in push covers hard pre-market moves and opening gaps even when the app is closed.

Monthly ledger & statement PDF

A chronological account ledger, exportable statement PDF, and a Form 8949-style realized-gains export for tax season.

DRIP accounting, wider income-ETF coverage, and rebalancing with a plan.

Reinvested income & per-account returns

Reinvested (DRIP) dividends are now recorded across the app and kept cash-neutral until the reinvestment buy exists, and every account gets its own money-weighted annualized return. Return of capital from §19(a)-1 funds adjusts your cost basis day-by-day.

Wider income-ETF coverage

Around 135 income funds: the full YieldMax and REX single-stock lineups plus GraniteShares, Roundhill, Kurv and more, with a “funded by income or eroding principal?” verdict and look-through to the single names you really own.

Targets & drift, with a plan

Set a target weight for any holding and see whole-portfolio drift with concrete rebalancing guidance: current vs. target shares and exactly how many to buy or sell, with the approximate dollar amount. Even names you've targeted but don't yet own show up.

A visual overhaul, real performance analytics, and quality-of-life fixes.

A refined new design

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

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

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

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.

Fix any entry

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.

Scoring, lenses, and research.

The Compounder Score, reimagined

Your 0-10 Compounder Score became 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.