Moneyta Release Notes

Two new scores sit beside your Moneyta Score, free on every plan: an index-investor score and a Modern Portfolio Theory score. On the dashboard all three are gauges at the top; tap either new one to see its breakdown. Both publish every weight and cut-off, walk you through your own calculation step by step, and let you download it. In the index-investor score, cost and simplicity count in proportion to how much of your money is in funds, and breadth credits each dollar with the companies behind it, so one small fund purchase in a portfolio of individual stocks moves the score a little, not a lot. The index-investor score's allocation step uses your optional birth year (roughly your age in bonds) or your saved target allocation. Without either, that step is left out rather than guessed, and the score asks for it. Test a trade and shadow books now show all three scores before and after, drawn as gauges, with why each one moves: which steps changed and by how many points. You also hear when a score moves five points or more. Shadow books build far more often: the holdings of managers in your books are priced every night, and a book that can't be built names the missing holdings and lets you remove that manager. You can edit a book, check it before saving, and see in search whether a manager's book can be priced today. Turn on alerts for a shadow book to hear when it can be built again, when it can't, or when your portfolio moves ten points closer to or further from it. At most o…

Disconnecting and reconnecting a brokerage no longer books your holdings a second time. A reconnected account goes back to the portfolio it had, and its trades and opening balances are recognised as already recorded. Every sync now leaves a receipt on the Connections page: holdings reconciled, transactions imported, lots dated from your broker's own records, and any symbols we cannot price yet. Your books are checked against your brokerage's own statement, and the Connections page says whether they match to the share, or names the holdings that differ. Disconnecting now says exactly what happens, lists the accounts and portfolios it affects, and asks you to type the word before disconnecting every brokerage at once. Every new account starts on Gold for 14 days with no card, then moves to the Free plan with all data kept. A daily note during those days shows how your portfolio is doing and what is worth knowing. The day after your first sync or upload, one email tells you what your own data shows: lots about to turn long-term, an open wash-sale window, holdings we cannot price, and whether your books match your broker. Add or change the accounts you share with a connected brokerage without disconnecting it. A newly shared account is offered a portfolio at once; the ones already linked are untouched. A holding no market-data provider can price, such as a 401(k) plan fund, is now valued at the price your brokerage reported and counted in your totals, and says so. On the Free pla…

Brokerages spell some holdings differently. Berkshire Hathaway B shares can arrive as BRK.B, BRKB, BRK/B or BRK B. Moneyta now records new holdings under one symbol, so the same holding never appears twice, and prices, tax lots and reports treat it as one security. Tax checks now see a sale and a repurchase of the same shares even when they were entered under different spellings, which is exactly when a wash sale can apply. The symbol you or your brokerage used is kept on the record, so everything still matches your statements, and Moneyta tells you when it saves a holding under a different spelling. Research pages for a share class, such as Berkshire Hathaway B, now load their filings, financial statements, insider activity and risk-factor changes. The company was on record with the SEC under a slightly different spelling of the symbol. A symbol that passes from one company to another, as when Chesapeake Energy became Expand Energy, now shows the current company's filings. Moneyta records when a symbol changed hands and the date it happened, so the change is kept in history rather than written over.

Listing the same holding twice in one import now adds the two rows together instead of keeping only one of them. If you export a taxable account and a retirement account into one file, the shares no longer go missing, and Moneyta tells you which holdings it combined. You can move holdings from one portfolio to another, from the portfolio menu. Cost basis and purchase dates come with them, so a long-term holding stays long-term. This is the easy way to separate accounts you entered together, which matters because tax treatment applies to a whole portfolio: harvesting and year-end estimates skip retirement accounts entirely. Imports read the Account column that brokerages put in their exports. When a file covers several accounts, Moneyta says so and brings them in one account at a time, since each portfolio represents one account.

Moneyta has a permanent Free plan. Signing up takes an email address: no credit card, no trial countdown, and no card sitting on file waiting to charge you. The Free plan covers one portfolio of up to 25 holdings, a portfolio health score with Goodwin's top three observations, three alerts, five follows, the activity ledger, the Idea Pad, target allocation with a headline drift reading, a weekly digest, and exporting or deleting your own data whenever you want. Signing up no longer asks you to choose a plan. Accept the terms and you are in the app. If you tried the health check on the home page first, the tickers you typed come with you into setup, so you are not asked for them twice. Upgrading is one click from wherever you hit a limit, and what you bought unlocks straight away instead of after a wait. Every locked feature now says the same three things: what it does, which plan has it, and what that plan costs. Cancelling a paid plan moves your account to Free rather than locking you out. Everything you entered stays and remains readable; you simply cannot add more above the Free limits until you upgrade again. The same is true when a beta invite runs out. Your portfolio health score is now worked out from every observation Moneyta finds, not only the ones your plan displays, so the same portfolio scores the same on any plan. Where observations are held back, the app says how many there are. The health score trend chart and the P&L chart are now on every plan, Free included…