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.
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.
Multi-account architecture
Add unlimited accounts (Pro). 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
30-day Free, 365-day Pro. 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 Pro
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 Pro
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 Pro
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 v1.1.
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 sync keeps accounts, positions, transactions, lots, and watchlist in sync across your iPhone and iPad. Disabled by default. Your data, your control.
Free
- 2 accounts · 25 positions
- Top-line Compounder Score
- 30-day dividend calendar
- Ex-dividend alerts
- iCloud sync
- 1 CSV import
Pro
- Unlimited accounts & positions
- Full Section 19(a)-1 intelligence
- After-tax income forecast
- Income goal & FIRE date
- Portfolio X-Ray
- DRIP simulation
- 365-day calendar & all alerts
- Widgets · unlimited CSV imports
On-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.