Privacy-first · All computation on-device

Know exactly when dividends cover your life

YieldShield is a privacy-first iOS utility for forward cash-flow forecasting, tax-bucket simulation, and volatile-to-stable rebalancing. Every calculation runs on your iPhone — your financial data never leaves your device.

Join the WaitlistExplore Features

6

App Tabs

1,000

Monte Carlo Paths

100%

On-Device

Six powerful tabs

Everything a dividend investor needs

From forward cash-flow forecasting to on-device AI strategy, YieldShield covers the full lifecycle of a long-term income investor.

Runway

Dividend Compounder Engine

Visualize the exact date your passive income overtakes monthly expenses — your financial crossover milestone, calculated in real time.

  • Animated progress ring with crossover milestone date
  • DRIP toggle — reinvestment modeled continuously
  • Income-vs-expenses chart with monthly breakdown
  • Synthetic dividend calendar — every payment forecasted ahead

Assets

Privacy-First Local Ledger

Your complete investment ledger lives entirely on-device. Manual entry, CSV import/export, or statement photo OCR via the Vision framework.

  • Statement photo OCR with Apple Vision framework
  • Live quotes: CoinGecko (crypto) · Yahoo Finance (stocks, ETFs, REITs)
  • Watchlist with target-price alerts & local notifications
  • One-tap promote watchlist ticker to full holding
  • AI Analysis: income quality, concentration, tax placement, Monte Carlo odds

Sandbox

Tax & Structure Simulator

Project the same portfolio under five account structures and up to 1,000 seeded Monte Carlo paths — all computed offline, no server required.

  • Taxable · Roth · Traditional · Trust · LLC at 10/20/30 yr horizons
  • 200 / 500 / 1,000 seeded Monte Carlo simulation paths
  • Lognormal shocks per class: Crypto 65%, Stocks 22%, REITs 20%, ETFs 16%
  • P10–P90 fan chart, crossover probability & median crossover date

Allocation

Smart Rebalance Alerter

Stay on-strategy with a live concentration wheel, drift rules, and named allocation presets backed by real bond-class sleeves.

  • Concentration wheel with configurable min/max drift thresholds
  • Bogleheads Three-Fund · Classic 60/40 · Swensen Yale · Dalio All Weather
  • Presets re-sync on definition change; manual edit reverts to Custom
  • Local drift notifications — no push server needed

Strategist

On-Device AI Advisor

A portfolio strategist backed by Apple Intelligence FoundationModels — full portfolio context, zero data leaving the device.

  • FoundationModels chat with live portfolio context
  • Synthesizes strengths, risks & opportunities across holdings and watchlist
  • Apple Intelligence narrates over the computed fact sheet
  • Quantitative rule-based fallback on unsupported hardware

Widgets

Home & Lock Screen

Your runway ring lives on the Home Screen and Lock Screen — always visible, refreshed automatically in the background.

  • Home Screen runway ring in small and medium sizes
  • Lock Screen complications: circular gauge, rectangular, inline
  • App group publishes snapshot on every ledger change
  • Background task cycle keeps widget data and watchlist quotes current
Privacy by design

Your finances never leave your iPhone

YieldShield was architected local-first from the start. There is no account, no sign-in, and no analytics beacon — just your data and your device.

On-Device Computation

Every calculation — DRIP compounding, Monte Carlo simulation, drift analysis, AI synthesis — runs in-process on your iPhone. No server roundtrips, no cloud API keys.

Direct Market Data

Quotes fetch device-direct from CoinGecko (crypto) and Yahoo Finance public endpoints (stocks, ETFs, REITs). No middleman. No API keys. Delayed quotes at no cost.

Local Ledger

Your holdings, balances, tax lots, and strategy settings live in an on-device store. There is no YieldShield server that holds your financial data — ever.

Apple Intelligence — not a cloud LLM

The Strategist tab uses Apple's FoundationModels framework — on-device inference that requires no network and shares no prompt data with third-party servers. On hardware without Apple Intelligence, a quantitative rule-based engine provides the same portfolio insights without any AI runtime.

Roadmap

Starting on iPhone, growing everywhere

YieldShield launches as a native iOS app — with macOS and a web companion dashboard planned as the platform matures.

iOS — YieldShield

Available now (waitlist)

A native SwiftUI app built for iPhone. Offline-capable, widget-enabled, and optimized for touch. All six tabs — Runway, Assets, Sandbox, Allocation, Strategist, and Widgets — in one focused app.

  • Full on-device computation
  • Home Screen & Lock Screen widgets
  • Background quote refresh
  • Apple Intelligence Strategist

Mac

Coming to macOS

YieldShield will expand to macOS with native SwiftUI and a larger canvas for the fan chart, allocation wheel, and Sandbox side-by-side comparisons.

  • Multi-window layout
  • Spotlight integration
  • Keyboard-driven workflow
  • Shared local store with iPhone

Web Dashboard

Future CarolinaX.ai product

CarolinaX.ai is building a companion web dashboard for household-level visibility — shared read-only views for advisors, aggregate reports, and tax-document exports.

  • Advisor read-only view
  • Household aggregate reports
  • Tax document export
  • No financial data stored server-side
Early access feedback

Built for serious income investors

Here's what beta testers are saying about working with YieldShield.

"I've been tracking my dividend crossover date in a spreadsheet for three years. YieldShield replaced all of it — the runway ring makes the goal visceral in a way a cell never could. The DRIP modeling alone is worth it."
DR

Daniel R.

Software Engineer, pursuing early retirement

"Running the Sandbox with a Trust vs. Roth comparison at 20-year horizon showed me exactly how much the structure decision was worth. That's the kind of scenario my advisor charges $500/hr to model. YieldShield did it in thirty seconds, on my phone, on a flight."
PM

Priya M.

Portfolio Investor, tax-optimization focused

"The fact that none of my holdings touch a server is a hard requirement for me. YieldShield is the only app in this category that takes on-device computation seriously — not as a marketing bullet, but as an actual architecture decision."
JK

James K.

Privacy-conscious investor & security professional

App Store launch — join the waitlist

Start forecasting your crossover date

Join the YieldShield waitlist for priority access when it lands on the App Store. No account required to get started — everything runs on your iPhone.

No spam. Unsubscribe anytime. Free tier at launch.

No Account Required
Apple Intelligence
No Data Collection