What’s new in Version 3

Know when you can stop working

The headline of Version 3. Set a target amount or a target date, and the projection runs forward from the portfolio you actually hold, counting your contributions and your dividends. It answers the question the app exists for rather than leaving you to do it in a spreadsheet.

The arithmetic is not hidden. The exact formula is documented, including the five things it deliberately does not model — inflation, tax, fees, sequence-of-returns risk and variable contributions.

A rebuilt dividend view

A dedicated section with a twelve-month income forecast, ex-dividend dates and pay dates, so you know what is coming before it lands. Payout frequency is inferred from the spacing of past payments rather than trusted from a data feed, because feeds carry no reliable frequency field.

Every figure is net of withholding tax, applied by the company's country. That is unusual: most trackers quote gross, which overstates what reaches an international portfolio by up to a third. How the forecast is built · the rate table for 39 countries.

The Stocks page opens with your totals

What the list is worth, how many holdings it holds and the day's move used to be one grey line at the very bottom of the view, underneath the empty state. They are the reason the page gets opened, so they moved to the top.

The day's move sits in a tinted pill with an arrow, so the direction reads without relying on colour alone. Tap the figure to swap between a percentage and the amount in your own currency. Filter or search, and the total follows what you are looking at. The controls — list, sort, search and the rest — are one row now instead of three places.

The three Dutch index lists

AEX, AMX and AScX, taken from Euronext's own composition tables. The AEX holds 30 after its expansion, the AMX 25, and the AScX — now published as AMS Next 20 — 20.

This was a correction as much as an addition. The old lists carried 29, 30 and 24 names, with eight sitting in two lists at once. Public market data cannot be used for these three: asked for the AEX it returns 20 of the 30, and what it does return is years stale. The membership is curated and lives in one place now.

A yearly plan

Pro can be bought by the year: €19.99 instead of €1.99 a month, which works out at €1.67 a month. Every figure in that sentence — the percentage, the free months, the money — is derived from the plan definitions, so a price change moves the whole claim rather than leaving a stale one behind.

The free tier was clarified in the same pass: making lists is free, and the five free holdings all live on the first one. It used to be five per list, which made the limit a naming exercise.

Smaller things that add up

• Share the app with a QR code and one link per platform.
• Exchange notifications you can pick per market, with the list saying what is switched on where.
• Better logos. When a company's name does not reveal its domain, the app asks the company profile instead of guessing.
• “Leave as is” is remembered rather than asked again on every run.
• Two trades in a day count as one only when they are minutes apart, not whenever they share a date.
• A guided tour on first launch, and a redesigned confirmation for anything that deletes.

And a great deal of repair

Most of Version 3's work does not show up as a feature. A systematic sweep ran over eighteen areas of the app looking for bug families rather than single bugs, and found real ones: two stale-cache bugs in the dividend calculations, a cooldown bug in the price fetcher, an accessibility bug in the holding cards, a translation bug in the charts.

That is the unglamorous half of a release and it is the half you feel. It is mentioned here because “we fixed things” is easy to claim and rarely specific.