Portfolio and Income
Track what you own across 8 markets, and see income the way it arrives: gross, net of withholding, in your currency, with the exchange rate on record.
Global Portfolio Tracking
Stocks, ETFs, and mutual funds across 8 markets: US, Japan, India, China, Hong Kong, Korea, Singapore, and Japanese mutual funds. Unlimited named portfolios, multi-lot cost basis per stock, and multiple consolidated views, each with its own portfolio selection and display currency.
Income Received Ledger
The dividends you actually banked, month by month: per pay date, ticker, shares held, dividend per share, and both gross and after-tax net. All-time and year-to-date totals, an Upcoming group for declared-but-unpaid dividends, a shareable monthly card, and CSV export.
Multi-Currency Income Transparency
View received income in your portfolio currency or any native currency in your holdings, across 12 display currencies. Per-share amounts stay native while totals convert, and an "Exchange rates used" section shows the exact FX rates and as-of date behind every conversion.
Dividend Calendar & Projections
Received vs projected dividends side by side, per-holding drill-down, annual totals, portfolio income yield, and a projection engine that estimates future payments by dividend frequency. Covered-call ETF distributions carry Section 19(a) tax-treatment chips.
Yield-on-Cost Leaderboard
An interactive leaderboard ranks every holding by Yield-on-Cost advantage, showing which positions pay you more than today's market rate and validating your original investment thesis with real numbers.
Income Goals & Concentration
Set an annual income target and track your progress. Income concentration analysis highlights diversification across holdings so no single stock dominates your cash flow.
Sell & Realized Gains
Record full or partial sales directly from your holdings. Realized P&L per sale, short-term vs long-term classification, and a Realized Gains section in the Income tab.
DRIP & SIP Tracking
Track Dividend Reinvestment Plans per holding, factored into income projections. Systematic Investment Plans with monthly or quarterly schedules, invested-vs-current value, and a countdown to the next installment.
Performance, Backtest & Benchmarks
Daily-resolution performance charts, portfolio backtest over 1, 3, or 5 years with time-weighted return, Sharpe ratio, max drawdown, and alpha, plus benchmark overlays against S&P 500, TOPIX, Nifty 50, Hang Seng, or MSCI World.
Decision Journal & Recaps
Write your thesis and key decisions inside each portfolio, synced via iCloud. Monthly recap cards, dividend income milestones, and an opt-in weekly recap keep the story of your portfolio in view.
Intelligence and Scores
Judge quality before yield: safety scoring, quality scoring, valuation, and the signals that explain what is happening under the price.
Sentinel™ Dividend Safety Score
Proprietary dividend sustainability analysis built into every holding. Scores each stock 0-100 with payout ratio weighted 40, free cash flow coverage 30, and leverage 30, then assigns a clear A-F grade so you can see which dividends are built to last. GAAP distortion detection prevents false alarms, and market-specific intelligence adds alerts such as India PSU policy risk and Japan margin-pressure intelligence.
Compounder Score
A 0-10 quality score across valuation, free cash flow yield, return on capital, debt, dividend growth consistency, and dividend safety. For US stocks it reads SEC EDGAR filings directly for true Return on Invested Capital. Scores of 9-10 earn a gold Exceptional tier, cyclical compounders cap at 9 with an asterisk, and partial-data scores cap at 8.
ETF Scoring
ETFs get a dedicated score built from expense ratio, distribution yield, concentration, beta, tax efficiency, underlying quality, and blended P/E. Covered-call ETFs split visibly by tax efficiency, and yield bands separate high-yield income vehicles from broad-market dividend ETFs.
Piotroski F-Score
9-test financial health scoring on every stock, covering profitability, leverage, and operating efficiency. Color-coded bands: Strong 8-9, Moderate 6-7, Weak 4-5, Distressed 0-3, visible on watchlist and portfolio rows.
Five-Market Valuation Models
Market-specific fair value: 2-Stage DCF (US), 3-Stage DCF (India), Hybrid Book-Value (Japan), Gordon Growth (China), Dividend Discount (Hong Kong), with Bull/Bear ranges and Margin of Safety badges on every holding.
Guru Portfolios
Track the real portfolios of 20 investors, including Warren Buffett, Bill Ackman, Michael Burry, Seth Klarman, Terry Smith, Li Lu, and Chris Hohn, sourced from SEC EDGAR 13F filings updated quarterly. See which stocks you share with them.
Market Insights: 35+ Signal Rules
SWOT-style analysis on every stock with 35+ signal rules covering valuation, momentum, income quality, and risk factors, so you understand the full picture before making a decision.
Buy Signal Composite
A composite buy-signal read on watchlist stocks that folds valuation, quality, and timing indicators into one at-a-glance indicator, backed by price-when-added tracking and personal buy and sell price targets.
Scenario Engine
Stress-test your portfolio against what-if scenarios and see the projected impact on value and income before you commit to a change.
Portfolio Advisor
Actionable suggestions computed from your own holdings: concentration, quality, and income gaps, each with a one-tap path to act on it.
AI Explain, Q&A & Brief
Tap any holding for a Thesis / Risks / Signals narrative grounded in its scores, fundamentals, and technicals. Ask free-form questions about your portfolio, and get a three-part daily brief: Today, Risks, and Consider. Bring-your-own-key Gemini free tier or Apple Intelligence on-device fallback.
Technical & Fundamental Toolkit
MACD with 5 market states, RSI, Bollinger Bands, Stochastic Oscillator, ADX, Golden and Death Cross, and On-Balance Volume with divergence detection, plus PEG, EV/EBITDA, dividend growth over 1Y/3Y/5Y, short interest, and earnings surprise history.
Insider & Analyst Intelligence
Insider sentiment from the Monthly Share Purchase Ratio (MSPR) aggregated over 3 months, classified Bullish, Neutral, or Bearish. Analyst price targets with upside badges, rating changes, and Morningstar and Seeking Alpha ratings surfaced inline.
Fundamental Screener
Scan your holdings and watchlist with 21 filters: Sentinel grade, F-Score, RSI, MACD, PEG, EV/EBITDA, dividend growth, short interest, and more. Save custom presets for quick access.
Position Sizing Engine
5-factor conviction scoring across Sentinel safety, F-Score, analyst target, RSI timing, and volatility. Auto-computes how many shares to buy, sized against consolidated portfolio value and existing holdings.
Correlation Matrix
Pearson correlation on daily returns across your top 10 positions, highlighting highly correlated pairs (concentration risk) and uncorrelated pairs that provide true diversification benefit.
Concentration Risk Monitor
Real-time flags when any single stock exceeds 10% of your portfolio, any sector exceeds 25%, or your top 5 holdings exceed 60%, with diversification suggestions for missing sectors.
Comparison & Relative Strength
Compare up to 5 stocks side by side with price and total-return views and shareable cards. A relative strength heatmap ranks watchlist stocks across 4 timeframes against their home market index, and a peer fundamentals table puts a stock next to up to 5 peers.
Earnings Radar
Upcoming earnings countdowns with color-coded urgency, plus an earnings card on stock detail with a before-market or after-market chip, fiscal quarter, and consensus EPS and revenue estimates for US stocks.
Vastu Health Score
A portfolio balance lens inspired by Vastu Shastra that no other corner of the market offers: your holdings mapped to five primordial elements, Earth, Water, Fire, Air, and Space, scored 0-100 with actionable guidance to restore balance.
Markets
Eight markets built as first-class citizens, not suffixes, with the deepest coverage where global trackers usually go thin: Japan and India.
Japanese Mutual Funds in ไธๅฃ
Full NAV tracking for Japanese investment trusts using 8-character fund codes, priced in ไธๅฃ as they should be: 250,000ๅฃ at NAV ¥28,000 per ไธๅฃ is ¥700,000, updated daily. Distribution (ๅ้ ้) history parsed automatically.
Japan Tax Calculator
Automatic 20.315% dividend tax breakdown (15.315% national + 5% resident) for Japan holdings. ¥100,000 of Tokutei dividends shows as ¥79,685 net, your NISA line shows ¥0, and the annual NISA saving is counted for you.
Shareholder Benefits (ๆ ชไธปๅชๅพ )
Full ๆ ชไธปๅชๅพ benefit schedules for Japanese stocks: tiered reward descriptions, minimum share thresholds, and upcoming record dates so you never miss a qualification window.
Japan Governance & Ownership
TSE reform flags on Japanese holdings, plus major-shareholder data parsed from EDINET regulatory filings with holder name, ownership percentage, and change in basis points.
India: NSE Holdings & SIPs
NSE holdings with LTCG/STCG treatment and SIP tracking. The India dividend pipeline sources ex-date, record date, payment date, and dividend type from BSE corporate-actions filings, so ex-dividend alerts fire on announced dividends, not projections.
Hong Kong & A+H Dual Listings
Full support for HKEX-listed stocks with HKD cost basis and live FX conversion. The A+H Dual-Listing view tracks the premium or discount between mainland and Hong Kong shares.
Singapore SGX
Singapore Exchange stocks with live SGD pricing, the STI index, Singapore-specific valuation parameters, and 0% withholding on dividends: a natural home for REITs and yield-focused Asia investors.
Markets Tab Breadth
5 VIX-style volatility gauges, 12 commodities, 8 cryptocurrencies, and India FII/DII flows alongside the major indices of every enabled market, in one Markets tab.
Macro Pulse & Events Calendar
Central bank and macro news aggregated from Federal Reserve, Bank of Japan, RBI, and Xinhua releases, filtered by your enabled markets, plus a calendar of key macro events (FOMC, BOJ, RBI, PBOC, CPI, GDP) filtered to your portfolio's markets.
Tax and Rebalancing
Every projection and report here is an estimate built from public data and your Tax Setup. Estimates, not tax advice.
Tax Report PDF: 7 Jurisdictions
US, UK, Japan, Canada, India, Hong Kong, Australia, plus Global-USD. Worldwide income with per-event FX conversion to your filing currency, foreign withholding estimates at treaty rate, and a navy-gold PDF with page numbers and an FX-rates-used appendix.
Wash-Sale Awareness
The tax insights and loss-harvesting surface in Analytics actively flags potential wash-sale windows around your recent trades, with a day counter, so you can see a conflict before you realize a loss, not after. Informational only, not tax advice.
Tax-Loss Harvesting
Identifies underwater positions eligible for harvesting with jurisdiction-aware rules: US wash-sale windows, Japan's flat 20.315%, India LTCG 12.5%, and Hong Kong and China exemptions.
Tax-Aware Rebalancing Engine
Works lot by lot and account by account: drift bands tighten for tax-free accounts (3/5/7%), sells route tax-free before taxable, every proposed sell carries a tax-cost estimate and a wash-sale check, and a quality gate refuses to auto-exit your best compounders.
Target Allocation
Market buckets unify held, watchlisted, and manually added markets, with one-tap prefill from current holdings and Save gated on totals matching 100%. Sector-level targets show deviation bars that color-code urgency.
Model Portfolios & Trade Engine
Sandbox strategies in model portfolios before committing real money. The Trade List Engine diffs current vs target holdings and generates an ordered buy/sell plan you can execute from the rebalancing card with one tap.
Treaty Withholding Built In
The common treaty rates ship with the app: US 15%, Japan 20.315%, India 10%, Korea 15%, China 10%, Hong Kong 0%, Singapore 0%. Your Tax Setup controls the rates applied to your own holdings.
Data and Import
Your broker's CSV in, clean data out, with a resilient multi-provider pipeline underneath.
CSV Import: 14 Broker Formats
14 broker formats supported, including SBI Securities, Rakuten (stocks and funds), and MooMoo, plus generic CSV. Smart column detection, CP932 encoding for Japanese brokers, auto-suffix for Indian stocks, and an inline preview before importing.
CSV Reconcile
Compare a broker CSV against your portfolio to see what changed: new holdings, added or reduced shares, cost basis differences. Apply selected changes in one tap with batch select and automatic lot consolidation.
Provider Failover Chain
Market data flows through a chain of providers with automatic failover, so a single upstream outage does not blank your portfolio. Widgets and quotes read from a cloud cache first for consistent prices everywhere.
Shared Intelligence Cache
Popular tickers (scores, fundamentals, dividends) load from a shared cloud cache instead of being recomputed locally on every launch, making cold starts fast.
Your API Keys, In the Keychain
Bring-your-own provider keys live in the iOS Keychain rather than app storage.
Corporate Actions
Splits, special dividends, and other corporate actions surfaced on your holdings, with declared-vs-estimated status badges on dividend data.
Share Links & PDF Export
Expiring shareable links to a read-only browser snapshot of a portfolio or watchlist, with privacy controls to hide values or cost basis. Opt-in only, disabled by default. Plus professional PDF portfolio reports.
Platform
Native on every Apple screen: iPhone, iPad, Mac, Apple Watch, widgets, and the Lock Screen.
iPhone & iPad
On iPad, stock detail uses a side-by-side two-pane layout with adaptive metric grids and pointer hover, and the portfolio list becomes a persistent sidebar with a full-width detail column.
Native on the Mac
Holdings as a native sortable table with an Inspector panel per row, and a persistent Markets sidebar for instant navigation between markets on a large screen.
Full Apple Watch App
Browse portfolios, view holdings with sparkline charts, check alerts, and see your watchlist from your wrist, with portfolio P&L and top-mover complications fed by a fresh snapshot from your iPhone.
Interactive & Configurable Widgets
Tap to cycle between Price, Scores, Technical, and Income views, dismiss alerts from the Home Screen, pin up to 4 chosen holdings, and keep an eye on market status with full status pills.
Lock Screen & Live Activity
Portfolio P&L on your Lock Screen and in the Dynamic Island during market hours. Live Activity starts when US markets open and stops when they close.
Alerts, Local and Cloud
Price and percentage alerts, intraday movement thresholds (±3%, ±5%, ±7%, ±10%), dividend date alerts, score-change alerts, and an opt-in daily portfolio summary pushed 30 minutes after each market close (US/JP/IN), even with the app closed.
Siri Shortcuts & Deep Links
Ask Siri for your portfolio value or open specific tabs by voice, with horizon:// deep links for quick navigation.
App Lock & Privacy
Face ID, Touch ID, or passcode lock. On-device first: iCloud sync keeps your devices in step (on by default, yours to turn off), and optional cloud features are opt-in. No ads, no tracking.
Accessibility
VoiceOver labels throughout, audio graphs so price charts can be heard, Dynamic Type reflow, larger tap targets, and an optional colorblind-friendly palette for gains and losses across the app, widgets, and Watch.
27 Display Toggles
Customize exactly which indicators appear in stock detail with 27 individual toggles across Technical, Quality, Fundamentals, Income, and Analyst sections. Show only what matters to your style.