Release notes

What's new in Moneyta. We update this page every time we ship a change to production.

1. v2.18.1

   A maintenance fixOctober 21, 2026
   • Behind the scenes: the maintenance run that refreshes every portfolio's analysis after a release now completes on its own. Nothing changes in what you see.

2. v2.18.0

   A faster first look, a digest that reads like news, and a week in review for every portfolioOctober 20, 2026
   • The first dashboard load of the day is faster and honest about itself: your cached dashboard is no longer thrown away every time another member's holding is enriched, the nightly warm covers every portfolio, and when a first build does take a moment you see what Moneyta is doing, stage by stage, with the time it is taking.
   • The Alert Digest email now says what happened in plain sentences: a rule that fired reads "AMD is at 512, above your 500 threshold", a broker connection or a dividend is a note under its account, and the subject counts alerts and updates apart.
   • Your Sunday week in review covers every portfolio, each with its own score and its own change, with what stands out ranked by its weight in your net worth, and the filings on what you hold or follow named. It now lives in the app too: Week in review keeps every past week, and a Monday card on the dashboard points at the latest one.
   • Observations describe what your books show and no longer tell you what to do, from your next analysis on; every review carries that line.

3. v2.17.6

   Moving holdings keeps every lotOctober 19, 2026
   • When you move holdings to another portfolio, each lot now arrives with its own purchase date and cost, so a long-term holding stays long-term, and a lot whose purchase date was estimated stays marked as estimated. The portfolio it left keeps its history, closed by the transfer, and no gain is counted.

4. v2.17.5

   A clearer what's-new emailOctober 16, 2026
   • Our what's-new email now leads with the few changes most worth trying, each with a picture of what you will see and a button straight to it, and links here for everything else.

5. v2.17.2

   Crypto accounts start from your exchange's statementOctober 16, 2026
   • When you connect a crypto exchange, each coin now starts at the amount and cost your exchange states that day, and only activity from then on is booked. Years of exchange history are not replayed, so coins you sent elsewhere or converted away no longer appear in your holdings.
   • Right after you connect, your exchange can take a few minutes to send your holdings. Moneyta now waits for it and says so, instead of starting your books from an empty statement.

6. v2.17.1

   One fund, one holding, however your plan names itOctober 16, 2026
   • A retirement plan can name the same fund two ways, one on its dividend and fee entries and another on its statement. Moneyta now recognizes both names as one fund, so the fund is no longer counted a second time in your holdings.

7. v2.17.0

   Coinbase joins your books, and plan accounts keep up on their ownOctober 16, 2026
   • Connect Coinbase. Coins are valued every day and counted as their own asset class. A conversion between two coins is booked once, staking rewards are booked as income at the latest daily price on or before the day, and transfers and interest are booked too; anything we cannot read with confidence is held with a reason.
   • Your Connections page now says how many holdings differ from your broker's latest statement, broker by broker, with Bring all in line beside it. The dashboard and portfolio header carry the same note.
   • Name your plan funds. Type a 401(k) or 529 fund's name once and choose equity or bond; the name replaces the code everywhere, and your asset mix and scores use it.
   • A plan fund your broker lists under two codes is booked under one, and small plan fees taken in units are booked as a fee instead of being held back.
   • Archiving a portfolio that a broker account still syncs into now warns you first and offers to unlink the account. Restore brings it back whenever you want.
   • Activity now shows your deposits and withdrawals for the period beside Money in and Money out, so it is clear where your own money moved.
   • Coin amounts keep eight decimal places, so the smallest staking reward shows in your holdings.
   • A trade in a listing priced in another currency is booked in US dollars at the exchange rate when it syncs, never as if its local price were dollars.

8. v2.16.12

   Your money market fund and cash stay in step with your brokerOctober 13, 2026
   • A trade that reaches us later in the day now moves your money market fund too, so the fund no longer reads above your broker after a busy day.
   • When your broker starts reporting its own money market purchases, the entries we had added ourselves are undone in the same sync. No repair to ask for.
   • Bringing one holding in line with your broker no longer hides a deposit that arrives afterwards; your cash stays whole.
   • A dividend and its reinvestment that arrive on different days count once. Reconnecting a broker no longer books a deposit twice, and deposits from before your first sync stay inside your opening balance.
   • Bring all in line now names each holding with its own reason, and a holding your broker has already sold is listed as awaiting its sale rather than as a failure.
   • Bonds and CDs known only by their identifier no longer read as plan funds.
   • Transaction files with duplicate column names, a header lower in the file, or 'as of' dates now import correctly, and every fee column is counted.
   • A same-day buy and sell are applied buy first, so a round trip never reads as a sale of shares you did not hold.

9. v2.16.11

   Deposits reach your cash flowOctober 10, 2026
   • Cash deposits and withdrawals from a linked broker now appear in your cash flow. The first ones were held back by a check on our side; your next sync brings them in.

10. v2.16.10

    The Fees filter shows fees taken from tradesOctober 10, 2026
    • The Fees filter on the Transactions page now lists every trade that carried a fee, such as the small regulatory fees taken when you sell a stock. It had shown only standalone fees, so it could read empty beside a Fees total above zero.

11. v2.16.9

    Your money market fund matches your brokerOctober 9, 2026
    • When your broker reports its own purchases and sales of your money market fund, we now use them as they are. We had also moved every deposit and sale into the fund ourselves, so it could read far above your broker and your cash flow could show money you never spent.
    • Deposits and withdrawals now appear in your cash flow, so a purchase paid from a deposit nets out.

12. v2.16.8

    Reinvested dividends count onceOctober 9, 2026
    • When your broker reinvests a dividend, it is now booked once, as more shares of the fund. It had also been added to your money market fund, so your cash read a little high and your cash flow showed a small change you never made.
    • Entries already booked this way are being corrected, so your money market fund matches your broker again.

13. v2.16.7

    Broker trades arrive with every sync, and Fidelity files importOctober 9, 2026
    • Buys, sells, reinvestments and transfers from a linked broker now reach your books with each sync. They had been left out, so a linked account showed only the holdings it had when you connected it. Your next sync brings in everything since then, and leaves out anything your books already show, including holdings you brought in line.
    • A Fidelity activity file now imports its trades. The file's account type column was being read as the trade's action, so no rows were found.

14. v2.16.6

    Plan funds read cleanly in your holdingsOctober 8, 2026
    • Longer fund codes, such as those in a 401(k) or 529 plan, no longer run into the company column on the portfolio page.
    • A plan fund your broker prices but that has no exchange listing now reads "Plan fund" instead of a dash or "No exchange listing".

15. v2.16.5

    Archive an empty portfolio, and keep an account's history when you relink itOctober 8, 2026
    • An empty portfolio can now be archived from its own screen ("Archive this portfolio" beside the portfolio switcher), so one you made by mistake no longer stays in your list.
    • When you link a broker account whose history is in a portfolio you archived, the first choice is now to restore that portfolio, which keeps the account's holdings, lots and history together. Choosing another portfolio says that the history stays behind.

16. v2.16.4

    Restore an archived portfolioOctober 7, 2026
    • A broker account linked to an archived portfolio now shows that portfolio by name, marked archived, with a Restore button on the Connections page. Restoring brings it back to your portfolio list and your totals with its holdings and history as they were.

17. v2.16.3

    Clearer messages when a portfolio change is refusedOctober 7, 2026
    • When creating, renaming or archiving a portfolio is refused, you now see why (for example, that a portfolio with that name already exists) instead of a general failure message.

18. v2.16.2

    Bring every holding in line with your broker at onceOctober 7, 2026
    • When several holdings differ from your broker's statement, one "Bring all in line with broker" now sets each of them to the broker's shares, instead of one tap per holding. A holding your broker is only a day ahead on is left for the next sync, and any that can't be set are named with the reason.
    • Bond funds whose listed names are abbreviated ("Interm Bd Fd", "Tax-Free Muni") are now recognised as bonds in your allocation and your books.

19. v2.16.0

    Holdings listed abroad in dollars, faster broker updates, and a new lookOctober 6, 2026
    • A holding listed on an exchange outside the US, such as Tokyo or Hong Kong, is now converted to US dollars: its price, its value and the cost your broker states. Before, the local price was read as if it were dollars, which could overstate your net worth. The holding shows its local price and the exchange rate used, and its value is updated every night at the day's rate.
    • When a holding's currency can't be converted, because your broker doesn't state it or no exchange rate is available, the holding is left out of your totals and says so, instead of being counted at a wrong value.
    • Your books now update when your broker tells us new transactions are ready, not only at the morning sync, so a trade or a contribution reaches your books sooner.
    • Your broker's cash position, such as Fidelity's SPAXX, now follows your account's cash: a deposit, a withdrawal, interest, and the cash side of every purchase, sale, dividend and fee are booked as units of it, so it matches your broker's statement.
    • When a holding differs from your broker's statement and nothing is on its way to explain it, such as a retirement plan's payroll purchases, you can now set it to your broker's figure from the Connections page. The books keep your lots and add one for the difference, dated the statement, and the change is in your Ledger.
    • A broker connection that failed once is tried again at the next daily sync, instead of waiting for you to press Sync now.
    • A dividend your broker reinvests now reaches your books as the shares it bought. Before, these were held for review and the holding read a little below your broker's statement after every dividend.
    • Two syncs of the same broker connection can no longer run at the same time. If one is already running, Sync now tells you so.
    • Mutual funds now count as funds everywhere, the same as ETFs, in your allocation, your scores and your books. Bond funds still count as bonds.
    • If your broker reports a trade late, dated before a tax-lot correction you made, the trade is now kept and applied after your correction instead of being undone by it.
    • The unsubscribe link in our emails now works in one click from any mail app, without signing in.
    • If emails to your address keep bouncing, we stop sending the optional ones until one gets through again. If you mark one as spam, we turn your optional emails off. Notices about your account, such as billing and security, are always sent.
    • The Ledger's Money out total no longer includes estimated fund fees, which come out of a fund's price and never leave your account. The cash-flow statement leaves them out too.
    • The alert for a new filing by a manager you follow now respects that book's alert switch and your plan, and the shadow-book alert switches appear only on plans that include shadow books.
    • The setup banner now moves on to the next step once you finish the risk survey, and the score breakdown shows proportions as percentages.
    • Moneyta has a new logo. You'll see it in the app, in your browser tab, on your home screen and in our emails. The app's colours have not changed.

20. v2.15.1

    Shadow-book pricing and broker checks, fixedOctober 3, 2026
    • The nightly pricing of the holdings in your shadow books works again: one oddly named holding in a manager's filing stopped it for everyone on its first night.
    • Books vs your broker now only treats a statement as "a day ahead" when it really is from the sync before, not one from weeks ago.

21. v2.15.0

    Two open scores, shadow books that build, and books you can fixOctober 2, 2026
    • 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 one note a night.
    • When a manager you follow files, the note now says what it did with the stocks you own, and your follows page lists your holdings in each manager's latest filing.
    • Correct a holding's tax lots yourself (purchase dates, cost, splitting a lot), or import your broker's cost-basis file. Your share counts never change, and the correction is kept in your history.
    • A trade you entered that your broker also reported, even as partial fills or dated a day apart, now shows as a likely duplicate you can resolve by keeping the broker's version. The sync receipt also flags cost basis that differs from your broker's.
    • Books vs your broker now checks against a fresh statement from every sync, not the one from when you first connected. Your broker's holdings arrive a day before its transactions, so a payday contribution or a dividend shows as "your broker already shows a newer change" until its transactions arrive, instead of as a difference.
    • The tax-loss harvesting figure now leaves out losses a recent purchase would disallow as a wash sale, and a replacement lot shows its basis after the wash sale.
    • Your net worth trend now ends at today's value, the same number as the tile, and brokerage-priced funds such as 401(k) plan funds are valued at their latest price every night.
    • Deleting your account now also stops your subscription from renewing, and restoring it within the grace period resumes it.
    • The Basic and Advanced switch has moved to the top bar, and charts with only one day of history now show today's figure and when the line starts, instead of a single dot.
    • Keeping your broker's version of a duplicated trade now asks you to confirm first.
    • The health score is now called the Moneyta Score everywhere: the app, the public pages, your alerts and your emails. It is the same score, worked out the same way.
    • The Alerts page has a new Automatic alerts card, where you can turn score alerts and shadow-book alerts (and their emails) on or off in one place.
    • During your first 14 days on Gold, the sidebar shows a small ring counting down the days left.
    • When your broker's latest statement shows a different number of shares than your books, the holding now says so under its value, for example a payroll purchase made at the last close that reaches your books with the next sync.
    • A cost basis Moneyta had to estimate, because your broker didn't send one, is now labelled Estimated, with how to correct it.
    • Fees your broker charges the account in cash, such as a 401(k) plan's recordkeeping fee, now come in with each sync and appear on your income statement as Account fees.
    • Cash dividends on holdings our market data can't identify, such as 401(k) plan funds, now come in from your broker too. Listed holdings keep getting theirs from our dividend records, so nothing is counted twice.
    • Fund fees on your income statement now start in January 2026 and count each lot from the day you bought it, at the fee in the fund's prospectus at the time. Each fund holding also shows its estimated fees since you bought it. The fee comes out of the fund's price rather than as a charge, so it no longer reduces your books' cash, and it is shown with an offsetting line so it isn't counted against your gains twice.
    • Fund fees now cover nearly every ETF and mutual fund you hold. Each fund's expense ratio comes from the fee table in its own prospectus, as filed with the SEC, and updates as funds file new ones. Each fee keeps the filing it came from, with every fund's fee history from 2025 onward.
    • Your income statement now says which funds its Fund fees estimate leaves out, and why. A fund's expense ratio comes out of its price rather than as a charge, which is why you never see it on a statement.
    • Company names on your holdings no longer go blank for a day when our market data has a brief outage.
    • If you upload your broker's positions download where a cost-basis file is expected, Moneyta now says so and names the export to use, instead of importing nothing.
    • Our terms and privacy notice now name all three portfolio scores and the optional birth year you can add for the allocation step.
    • Every email we send has a one-click way to stop that kind of email, and a new what's-new email tells you about releases like this one. You can turn it off in your notification settings.

22. v2.14.2

    Follow-up to 2.14.0September 27, 2026
    • The first-week findings email is now scheduled nightly for members whose first sync or upload was a day or two ago.
    • Support can check, and repair, holdings that a brokerage disconnect and reconnect booked twice, straight from the operations console.

23. v2.14.0

    Reconnect a brokerage without doubling your books, and see what every sync doesSeptember 27, 2026
    • 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 plan the research desk says exactly what is included and what starts on Silver or Gold, instead of showing an error or a locked report on first open.
    • Every welcome, setup reminder, trial note and findings email now ends with what is waiting for you and the guide that shows how.
    • A manager's quarter-over-quarter change on the institutions register is no longer reported when the manager re-filed or was renamed; the register says why instead.

24. v2.13.8

    Quarterly holdings filings keep loading when the SEC is slowSeptember 26, 2026
    • When the SEC's site refuses or drops a request, Moneyta now records that as the SEC's problem rather than a problem with the filing, so a filing is never set aside because of one bad night.
    • The overnight filing run now finishes inside its time limit and never overlaps itself, so a slow night cannot stall the next one.
    • Filings that were set aside during a slow SEC night can be put back in line with one step and load the following night.

25. v2.13.7

    One symbol for each holding, and filings that load for itSeptember 24, 2026
    • 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.

26. v2.13.6

    Closing prices are recorded for every holding, one at a timeSeptember 23, 2026
    • Holdings your brokerage spells differently now have a closing price recorded each day, not just fetched. Yesterday's release found their prices but could not file them, and that one problem was also stopping other holdings in the same group from being filed. Each holding is now saved on its own, so one that cannot be saved never affects the rest.

27. v2.13.5

    Daily closing prices reach every holding you ownSeptember 23, 2026
    • A holding is now included in the overnight pricing run because you own it, rather than because we already carry a record for its symbol. Holdings your brokerage spells differently could have no record of their own, which kept them out of the run and left their daily change and history empty.

28. v2.13.4

    A holding you own is never left out of the daily pricesSeptember 23, 2026
    • Holdings your brokerage spells differently, such as Berkshire Hathaway B shares, are now included in the overnight pricing run. They were being left out of it, so they had a price on the page but no daily close behind them, which left a gap in their daily change and history.

29. v2.13.3

    Prices and bookkeeping keep up with your holdingsSeptember 23, 2026
    • A holding your brokerage spells differently, such as Berkshire Hathaway B shares, now gets a price the moment you open the page, not only in the overnight run.
    • When Moneyta works out what kind of investment a holding is, its bookkeeping entries are rewritten to match straight away. Before, the entries kept the earlier classification until an overnight check noticed. Your holdings, cost basis and history are unaffected either way.

30. v2.13.2

    Better checks on our own bookkeepingSeptember 23, 2026
    • Moneyta keeps a double-entry record behind your holdings and checks it against your transactions every night. That check can now say exactly what disagrees rather than only how many entries did, and there is a repair that replays the record from your transactions and is only saved if the result balances. Nothing about your holdings, cost basis or history changes.

31. v2.13.1

    Holdings your brokerage spells differently now get daily pricesSeptember 23, 2026
    • Some holdings arrive from a brokerage under a spelling the market-data providers do not use, Berkshire Hathaway B shares among them. Yesterday's release taught Moneyta to price those on demand; now the nightly pricing run does too, so they no longer sit without a closing price each day.

32. v2.13.0

    Accounts, holdings and the imports that carry themSeptember 22, 2026
    • 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.

33. v2.12.3

    A holding we cannot price is never called a lossSeptember 22, 2026
    • Some holdings arrive from a brokerage under a spelling the market-data providers do not use, Berkshire Hathaway B shares among them. Moneyta now recognises those spellings and prices them, and where a price genuinely cannot be found the holding is shown as unpriced rather than as worth nothing.
    • This mattered most on the tax page, which could offer an unpriced holding as a harvesting opportunity worth its entire cost. Unpriced holdings are now left out of harvesting entirely, and any prices previously stored as zero have been cleared so they refill with real ones.

34. v2.12.2

    Saving holdings during setup is reliable againSeptember 22, 2026
    • Saving a list of holdings could fail with an error when several parts of Moneyta wrote to your portfolio at the same moment, which was most likely during first-time setup. Both causes are fixed, and your holdings, history and tax lots are written together as before.

35. v2.12.1

    Fund manager pages hold up under heavy trafficSeptember 22, 2026
    • Fund manager pages now stay fast and available when many are opened at once, including while the nightly SEC data load is running. Pages that are already prepared no longer wait on the database at all, and pages that need rebuilding are prepared a few at a time so the rest of Moneyta is never slowed down.
    • A manager page that briefly cannot load now shows an error and recovers on the next visit, instead of claiming the manager does not exist.

36. v2.12.0

    Moneyta is now free to startSeptember 21, 2026
    • 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, over the last 30 days.
    • A first portfolio that scores below 40 now reads "Room to grow" instead of a low number and a failing letter. The observations underneath still show exactly what to look at first, and the score itself is worked out the same way as before.
    • Paid Bronze is no longer sold. Existing Bronze subscribers keep their plan and their price; new paid plans are Silver and Gold.
    • Security fix: a signed-in account could reach internal maintenance operations through the service that passes requests to Moneyta's background workers. Those paths now require an administrator, checked against the database rather than the sign-in token. No customer data was exposed and there is no sign it was used.

37. v2.11.10

    SEC filings keep flowing through federal holidaysSeptember 18, 2026
    • Moneyta finds new company and fund-manager filings by reading the SEC's daily list of everything filed. The SEC publishes no list on a federal holiday, and after Labor Day the reader kept waiting for one that would never come, so filings from the following eleven days were not picked up from that list. It now recognises a day the SEC never published, moves on, and catches up the missed days by itself. The nightly operations check now also flags this kind of stall instead of reporting a clean day.
    • The check for fund-manager filings as they are accepted, every fifteen minutes through the day, is now much lighter, so it no longer runs out of time.

38. v2.11.9

    The nightly holdings repair does a night's work, not a year'sSeptember 16, 2026
    • The job that matches fund managers' filings to the companies Moneyta tracks was rewriting six years of history every night, which held the database's disk at its limit for over an hour and slowed everything else queued behind it. It now refreshes only the recent quarters that actually change, and the full history pass is a deliberate one-off.

39. v2.11.8

    The holdings repair says where it is, and fails loudly instead of waitingSeptember 15, 2026
    • The nightly job that matches fund managers' filings to the companies Moneyta tracks now reports which quarter it is working on, gives up after two minutes if another database session is blocking it, and says exactly where it stopped. Operators gain a read-only view of what the database is doing, with a switch to end a stuck session.

40. v2.11.7

    Blog: a week of rogue agents, and one question for your money appsSeptember 15, 2026
    • A plain read of the week's AI security news (an agent swarm that attacked a package registry, hackers running whole intrusions with AI, an agent that switched off its own sandbox, and the industry's own call to slow down), what the p(doom) debate misses, and an honest inventory of what Moneyta's AI can do without you: nothing. It cannot place a trade, move money, or change what you own.

41. v2.11.6

    The nightly holdings repair runs in the backgroundSeptember 15, 2026
    • The job that keeps fund managers' filings matched to the companies Moneyta tracks used to do all its work inside one web request, which the platform cuts off after four minutes. It now starts, reports progress, and finishes on its own, one quarter at a time, and refuses to run twice at once.

42. v2.11.5

    Fund manager pages now match the filing they citeSeptember 15, 2026
    • A public fund manager page used to count only the holdings Moneyta could name, so a well-known manager's book could show a fraction of its stated total and leave out a top holding. Every position in the quarterly holdings filing is counted now, the headline is the filing's own total, and the page says whether the rows on file add up to it.
    • Opened and exited are decided by the security's identifier across quarters, never by its ticker or the name the manager typed, so a holding that was simply renamed no longer reads as a new purchase and a real exit is never hidden.
    • The nightly filings run now keeps the security-to-ticker map current for every name Moneyta tracks and reconciles the largest managers' books against their cover pages, so a gap like this is caught the same night.

43. v2.11.4

    Live prices cost nothing when nobody is watching, and admin billing edits tell the truthSeptember 13, 2026
    • The live-price feed used to keep working through the night for screens that had long since closed, and every copy of the service did the same work in parallel. It now stops within three minutes of the last viewer leaving, one copy does the polling, and outside market hours a watched list of stocks costs nothing at all.
    • An account that pays through Stripe is billed on Stripe's clock. The admin console now moves that clock when it extends a trial, refuses edits Stripe would overwrite, and gains a one-click Comp for reviewer and tester accounts that cancels the subscription before granting free access. Found the hard way on our own test account.
    • Nightly bookkeeping now flags any complimentary account that is still being billed, so it cannot happen quietly again.

44. v2.11.3

    A company that was half-loaded gets its price history tooSeptember 11, 2026
    • A company could already be on file with its profile but no price history at all, and this morning's release read that as "nothing to do". Research now asks for the history whenever a name has none, so the chart under the report fills in on the next visit. Found on the very name that prompted the morning's release.

45. v2.11.2

    Research checks a name is on file before it reads a wordSeptember 11, 2026
    • Research now starts by checking that a company is loaded into Moneyta, and loads it first when it is not, so price history, filings and the nightly market signals all follow for any name you ask about. Before, a company the desk could read from its filings alone could end up with a full report and an empty chart.
    • The "How this note was made" strip shows that step first, ahead of the analysts, and the price chart fills in on its own as the history lands instead of waiting for a reload.
    • The research header has been reorganised: the company, its Follow button and the evidence date on the left, the search top-right, and one row of same-shaped buttons for the things you can do. The phone layout no longer squeezes the search box or wraps a link into a column beside the tabs.

46. v2.11.1

    A research report always gets its price history, and two new postsSeptember 11, 2026
    • A company the desk could research from its filings alone, but had never seen a price for, now gets its price history loaded at research time, so the chart under the report is never empty. Found on a real report the same day.
    • New on the blog: why a budgeting app and Moneyta are not competing for the same job, and a restructured look at what a Monarch account shows you, with real screenshots.
    • Admins promoted to super-admin who hit a gate now read exactly which role it wants, instead of a message that looked like the promotion had not taken.

47. v2.11.0

    Quieter logs, a lighter bill, and a dev environment that sleepsSeptember 11, 2026
    • Fixed a logging loop in the AI connector service that wrote about four million lines a week and hid the messages that mattered. Nothing you use changes; the people watching the service can now see it.
    • The uptime check that watches moneyta.co now runs from two regions every fifteen minutes instead of five regions every five. It still pages within minutes of a real outage, proven by deliberately failing it.
    • Behind the scenes, the development environment can now be put to sleep between sessions and brought back current in minutes, at about a quarter of its former cost.

48. v2.10.6

    A way back from a fund manager, and pages that open in a blinkSeptember 10, 2026
    • Fund manager pages now have a link back to the list. Most people arrive from a search result and had never seen the list to go back to.
    • Those pages also open much faster. A line under the holdings table was quoting a running count of every company Moneyta covers, and working that number out meant reading the whole holdings archive on every single page view.

49. v2.10.5

    A new opening film, and research pages that open straight awaySeptember 9, 2026
    • A new animation opens the home page: what you own gathered into one number, the Vault behind a PIN, asking your own AI about your holdings, and the desk reading a company's filings and arguing it out before it writes anything down. It waits for the page to finish loading before it starts, and it does not download at all if your phone is set to save data.
    • Opening a fund manager you have not looked at before was taking close to two seconds. The manager's book is now held ready the way every other filings page already was, and it stays ready when other managers file, so the page opens straight away whether or not anyone has been there recently.
    • Stock pages open faster too, and the ones nobody has visited lately are no longer the slow ones. The ownership figures are worked out in far fewer steps, and the market-wide comparison every stock is measured against is now worked out once for the whole market rather than again for each name.

50. v2.10.4

    The library lists a read the moment the desk finishes itSeptember 9, 2026
    • When the desk finishes a name you asked for, the library row and the workstation now carry that read at once. Before, a reload could show the previous read for a few minutes with "Today's read is ready" above it.

51. v2.10.3

    The featured pages open on a one-minute viewSeptember 8, 2026
    • Every featured research page now opens on the Snapshot, with Overview and Full report one tap away. A card is a question, an answer and a cue; the explanation waits behind it. Open cards come first, the desk's read among them, and what is fogged says exactly what it holds and what opens it.
    • One line under the title says what the company is. The ticker wall, the placeholder sections and the second drawing of the score are gone, so a phone reads the page in a few screens instead of twenty.
    • Signed-in members see a way back into the app from every public page instead of a sign-up button.

52. v2.10.2

    The Snapshot on every featured reportSeptember 8, 2026
    • Featured research pages now open on the Snapshot, above the full report: the desk's own answers on the open cards, the rest ready to fill in the moment you sign in. The same one-minute view members get on every name.

53. v2.10.1

    One place for a name's history, and a button that answers at onceSeptember 7, 2026
    • "What changed since the last read" and the Time Machine were two views of the same thing. Now the line above today's Snapshot is the door: See what changed opens the Time Machine one read back, with the full delta under its ribbon, where the move came from, what the desk saw that it had not before, what it could not check, and how the claims were re-written. One rail, one ribbon, one place to look.
    • The Time Machine and the Snapshot fit a phone and a tablet. The rail sits above the decks on a narrow screen and beside them on a wide one, cards wrap their dots and pills instead of spilling past the edge, and nothing scrolls sideways.
    • Research today answers the click at once. The desk assembles its evidence before it hands back a run, which can take a while on a name it has not seen lately, and the button used to sit unchanged for all of it. It now reads Researching now from the moment you click, and the desk fetches its sources side by side instead of one after another.

54. v2.10.0

    The Snapshot, and research you ask forSeptember 6, 2026
    • Every research report now opens on a Snapshot: one question per card, one answer, one plain-English line. The desk's read, how sure it is, how fragile the case, whether the read moved, whether a named risk fired, who is accumulating, how the name is trending, what survived the debate, what would change the desk's mind, what it is worth, and how fresh the evidence is. The Street's ratings, targets and moves sit in their own group, labelled context only. Tap any card for how we got it.
    • Opening a name never starts research any more. The workstation shows what is on file and one button says what a click would do: today's read is ready (shared, at no cost), the desk is already writing it, or research today, and on Silver what that costs. Reads never count against your month; only asking the desk does.
    • The research library opens straight into the workstation for whichever name you pick, on its Snapshot, with Overview and Full report one tab away. You can pin the view that opens first.
    • A Time Machine for every name: press T or the header button and every read the desk has written stacks behind today's. Step back through them, see which cards changed and why between one read and the next, then open that read or compare it with today.
    • Public stock pages carry the Snapshot's questions with a lock gate: the desk's own output on featured names is open to everyone; the rest fills in the moment you sign in.
    • A tax lot with an estimated purchase date now says its holding period is unknown instead of calling it short-term, and a nightly check confirms your open lots add up to your position.
    • Creating a shadow book is quick again: checking each manager used to load their whole book, which could take long enough that the page gave up while the book was created anyway. It now takes well under a second.
    • Account deletion now completes. The nightly job that erases an account after its 30-day grace period had stopped short on newer data, and one stuck account held up the rest. It now removes everything that belongs to the account and reports any it could not.

55. v2.9.17

    The follows page counts only what you chose against your planSeptember 5, 2026
    • The follows page now shows two numbers: everything followed for you, and how many of your plan's follows you have used by choosing them yourself. Names followed because you hold them or have them on your Idea Pad no longer count against your plan.
    • A holding your broker reports under an internal code, such as a 401(k) plan's fund numbers, is no longer followed until we have identified the security. Once it is, everyone holding it is followed automatically.

56. v2.9.16

    The research library, one click from anywhereSeptember 5, 2026
    • The research library now has its own place in the sidebar, under Research.
    • The research page shows your library instead of describing it: the holdings whose verdict moved since the desk last wrote, the ones you have not read, and the ones the desk has not written on yet, each one a click into the library. The counts at the top open the library already filtered to that question.
    • If you hold nothing yet, the same spot shows what the desk wrote most recently across the whole library.

57. v2.9.15

    Everything you hold is followed for youSeptember 5, 2026
    • Every name in your portfolio, and every name on your Idea Pad, is now followed automatically. Buy something and it joins your follows the same moment; sell out or close the idea and it leaves. Nothing to remember.
    • Follows you chose yourself are never touched, and if you unfollow a name we added for you, it stays unfollowed until you decide otherwise. The names added for you do not count against your plan's follow limit.
    • Your follows list now says why each name is there: Held, Idea, or one you picked.
    • In the research library, the full workstation now opens inside the same pane instead of on a new page. A breadcrumb at the top of the pane takes you back to the read, or to the library, in one click with nothing reloading. Press Enter on a row to open it, Escape to step back, and the browser's Back button works too.

58. v2.9.14

    Real purchase dates from your broker, and a research library that loadsSeptember 4, 2026
    • When a broker hands us a holding without its trading history, we used to date it the day we first saw it. That made shares you had owned for years look newly bought, and a sale of them look short-term when it was not.
    • Where your broker can tell us when you actually bought each parcel of shares, we now use those real dates and their real cost. Holding periods, the short or long term label, and the tax estimate all follow from the truth instead of a stand-in date. The trade history now says when a holding was restated from the broker's own records, and which entry it replaced.
    • Holdings a broker still cannot date keep the old estimate and stay marked as estimated, so you can always tell the two apart.
    • The research library could fail to open with a 'Could not load' message. It now opens in well under a second, and if the desk is ever slow to answer you get a plain message and a Try again button instead of a dead end.
    • The library's filters are now four plain questions: the desk's verdict, what changed, what is yours, and how recently it was researched. Every option shows how many reports it would leave you with, and the sort and Clear all controls sit right next to the count.
    • Typing in the library's search box no longer marks reports as read on the way past. Only opening a report counts.
    • The library now opens on your own holdings: the names you hold that the desk has written on come first, and the ones it has not yet are listed too, each one a click from sending the desk to work on it. The whole library is one tab away, and a search reaches past it into every listed name.

59. v2.9.13

    The research library: every report, screenable by the desk's own verdictsSeptember 3, 2026
    • A new Library page lists every report the desk has written (hundreds of names) as an inbox: the list on the left, the full report on the right, keyboard-driven. Every one of them opens without spending a run.
    • Screen the whole library on what only the desk knows: its verdict and confidence on each name, how much weight the read can bear, whether it has changed its mind since the last report, whether a risk it named has since materialised, and where institutions are adding. Plus your own overlay: unread, held, S&P 500.
    • Every screen is a link. Filter down to the names the desk turned cautious on this month and send the URL.

60. v2.9.12

    Reading names with apostrophes and initialsSeptember 2, 2026
    • A few well-known companies still would not line up with their SEC filings because of an apostrophe or a set of initials in the name. They now do.

61. v2.9.11

    Matching companies to their SEC filingsSeptember 2, 2026
    • Stock exchanges and the SEC write the same company name differently, and the mismatch was stopping us linking hundreds of well-known companies to their filings. We now read past the boilerplate, so those companies can carry real SEC data.

62. v2.9.10

    Fund holdings stay put when a data feed goes quietSeptember 2, 2026
    • If our data provider briefly returned nothing for a fund, that empty answer could hide the holdings we already had, leaving the fund looking empty for a day. Stored holdings now always win, so a quiet feed no longer blanks a fund.

63. v2.9.9

    Seeing further into the funds you holdSeptember 2, 2026
    • Fund filings name each holding by an identifier code rather than a ticker, and we could only match a fraction of them, so an S&P 500 fund looked like it held about a third of the index. We now recognise those codes several ways over, naming far more of what a fund actually owns.
    • This is what your look-through reads: which companies you really own, and in which sectors, through the funds you hold.

64. v2.9.8

    Fund holdings data is refreshing againSeptember 2, 2026
    • The monthly job that refreshes what each ETF holds had been failing whenever it reached a very large fund, which left holdings lists incomplete across the site. It now loads them in batches, so broad-market and world funds come through in full.
    • This is what powers the look-through on your portfolio: seeing how much of a company you really own through the funds you hold.

65. v2.9.7

    Search listings match what the pages actually showSeptember 1, 2026
    • We checked every stock page we offer to search engines and found three that had nothing to display. Our listings now apply exactly the same test the page does, so what we advertise and what we show cannot drift apart.

66. v2.9.6

    No more empty stock pagesSeptember 1, 2026
    • A stock we hold no SEC data for used to open a page with blanks where the revenue, earnings and institutional figures should be. Those addresses now say plainly that there is nothing there, instead of showing an empty frame.

67. v2.9.5

    Search listings now cover every page with something on itSeptember 1, 2026
    • Stock pages we hold no SEC data for are no longer offered to search engines. Our search listings now cover 368 stock pages, 501 fund managers and 1,035 pages in total, each one with something real on it.
    • Fund manager filings are now picked up within minutes of being filed, rather than waiting for the SEC's once-a-day index.

68. v2.9.4

    A filing reaches you the same day it is filedSeptember 1, 2026
    • When a fund manager files its quarterly holdings with the SEC, we now find it within minutes instead of waiting for the SEC's once-a-day index. The manager's page updates as soon as we have read the filing, rather than up to an hour later.
    • Managers whose pages you can browse are always processed first, so the funds people actually read about are never left showing last quarter while smaller filers are processed ahead of them.
    • Reading a filing is several times faster, so a busy filing week clears in a fraction of the time.
    • Search engines are told the moment a manager page changes, so what you can find in search keeps up with what we publish.
    • Fixed: a small number of stock pages with no SEC data on file were being offered to search engines and then answering with an empty page. They are no longer listed.

69. v2.9.3

    Fresher filings, and a case study the filings could not showAugust 31, 2026
    • Fund manager pages now update the moment a manager's new quarterly SEC filing lands, instead of waiting weeks for the SEC's bulk quarterly data set. Every manager page moves to the just-filed quarter today, and each new filing season will show up as it happens.
    • New on the blog: the rise and unwind of Situational Awareness LP, told entirely through the fund's own SEC filings: the growth the filings showed, the hedges they showed coming off, and the four risks no holdings filing can carry.
    • On public manager pages, locked figures now say Gold instead of showing a bare padlock, so it reads as what membership adds rather than a wall.
    • Follow alerts no longer show an internal code in the notification bell. A clean summary of what moved, always.
    • A plain-English pass across the blog and learn pages: prose now says "quarterly holdings filing with the SEC" instead of form jargon, while search listings keep the terms people actually search for.

70. v2.9.2

    Every public page now tells search engines the truthAugust 30, 2026
    • Our 1,100+ public stock, fund-manager and evidence pages were quietly telling search engines they were copies of the home page, so none of them could rank. Each page now identifies itself correctly, and the whole set is properly findable.
    • Sharing a stock or manager page into Slack, X or LinkedIn now shows that page's own title and link on the preview card instead of the home page's.
    • Browser tabs and search results had been showing a doubled brand on many pages, like "Contact Us | Moneyta | Moneyta.co". Every title now carries the brand exactly once.
    • One address per page: lowercase tickers and zero-padded SEC filer numbers now redirect to the single canonical spelling instead of serving the same content at two addresses.
    • Utility screens like checkout confirmations and the unsubscribe page are now explicitly excluded from search results.

71. v2.9.1

    The public pages got fast, and a changed read explains itselfAugust 29, 2026
    • When the desk's read on a stock moves between runs (say Constructive to Cautious), the report now announces it up front, in color, and opens the explanation by itself: which evidence changed, and which components moved the score. Before, the move was the tail of a small gray line you could easily miss.
    • Opening a fund manager, stock, or evidence page is now near-instant for almost every visit: public pages are served from cache and refreshed hourly, instead of being rebuilt from scratch on every click.
    • Stock pages also gather everything they show in one pass instead of four, so even the first, uncached visit is quicker.
    • Nothing personal is ever cached. Your dashboard, portfolios and account data are fetched live on every request, exactly as before.

72. v2.9.0

    The doors are openAugust 29, 2026
    • You can now sign up directly. The waitlist is retired. Every plan starts with a 7-day free trial, and invited beta members get 60 days of full Gold access with no credit card asked, ever.
    • Beta members now see exactly what their access is worth: a thank-you note in the sidebar with the dollar value of the Gold time remaining, and clear advance notice before a beta ends. You'll only ever pay by choosing to.
    • The home page got dramatically lighter and steadier: over a megabyte of unnecessary code removed and the hero no longer shifts as it loads, especially on phones.
    • The reminder emails around trials and betas ending, and the catch-up notes after a lapse, now reach you reliably, with your account summary so you can see what you'd be keeping.
    • Sharper contrast and better screen-reader support across the site, including the portfolio quick-check on the home page.

73. v2.8.5

    The public site works one-handedAugust 27, 2026
    • On a phone, every public page now carries the full site navigation as a compact icon row: Features, Fund Managers, Stock Research, Evidence, Blog and Pricing, each labeled. Before, the links simply disappeared below tablet width and a visitor could see one page and nothing else.
    • Sign In is back on phones too, as an icon. Returning members always had a way in on desktop; now they do everywhere.
    • On featured research, the ticker chips are one swipeable row on a phone instead of a wall of four rows, so the report you came for starts on the first screen.
    • The landing page header no longer overlaps the banner beneath it, at any width.

74. v2.8.4

    SEC moved its data catalog; we moved with itAugust 27, 2026
    • The SEC retired the machine-readable catalog our nightly bulk-data loader discovered new filings through. Discovery now reads each dataset's own SEC page, and the previous night's quiet failure mode is gone for good: a night that discovers nothing now reports itself as a failure instead of a success.

75. v2.8.3

    The nightly report stops crying wolfAugust 27, 2026
    • On a featured research page, the company overview now comes first, above the sentiment read. You learn what a company does before you meet a verdict on it.
    • Our nightly operations report was flagging three of your mutual funds as missing prices every evening. Their prices were arriving on time all along; the report was classifying them from the wrong source and could not apply the rule it already had for funds that price a day late.
    • The job that loads the SEC's bulk financial data sets had been failing every night for a week: the SEC changed the shape of its catalog file and our reader could not parse it. It now handles both shapes.

76. v2.8.2

    Three fixes found by watching the last release landAugust 27, 2026
    • A research report can no longer be lost at the last step. When the desk finished a read on T-Mobile, a single invisible character in the write made the database reject the whole thing, and a completed report (six analysts, the debate, the risk review) was discarded. Those characters are now stripped before saving, everywhere a report is written.
    • When something does go wrong mid-run, the page now says so in a sentence instead of printing raw database internals at you.
    • Company names with an ampersand render correctly everywhere, including the pages that had already cached the old spelling.

77. v2.8.1

    The library covers the S&P 100, and search engines hear about it instantlyAugust 27, 2026
    • The public research library now covers the S&P 100: every name in the index has a full desk report at its own page, refreshed automatically as it ages. Fifty new companies joined in one evening.
    • When a report is published, updated, or pulled, search engines are told immediately (IndexNow) instead of waiting to re-crawl, so new research reaches search results faster.
    • Every page now lives at exactly one address: www.moneyta.co permanently redirects to moneyta.co, so links and rankings consolidate instead of splitting.
    • Your research history is now a working grid: sort any column, filter by verdict or by names that filed with the SEC since you read them, and see every filing that has landed since each read, right beside it. Select several rows and re-run them in one go. The desk reads them one at a time and stops cleanly at your plan's limits.

78. v2.8.0

    Signed in means seeing the numbersAugust 26, 2026
    • If you are signed in, the public research pages now show you the real numbers instead of locked placeholders: quarter-over-quarter changes on a fund manager's holdings, a stock's largest holder, last quarter's net institutional flow and 90-day insider buying, and a signal's full spread, hit rate and median: everything your plan already includes, right where you are. Visitors and search engines see exactly what they saw before.
    • Searching the public research pages for a stock while signed in now takes you straight to your own desk to run it. No more being invited to join the product you already pay for.
    • Plan gates everywhere now read what your membership actually includes, not a stale billing label. Beta and admin accounts no longer see spurious locks on features they have.
    • Public research reports now keep themselves fresh: any featured report older than 14 days is regenerated automatically overnight, so an indexed page never carries a month-old read.
    • The health score, drift, and the risk-and-return card each carry "How we calculated this": the standard formulas with your own numbers substituted in, including what we deliberately keep unpublished and why.
    • Shadow books answer the what-if honestly: your portfolio's health score if you adopted the blend, computed with full sector context. When the context is not complete enough to be honest, it says so instead of showing a confident wrong number.
    • Our Terms and Privacy Policy were rewritten to match the product exactly: what we collect, who processes it (disclosed by category), a stated refund policy, and our Connecticut legal home. The Global Privacy Control browser signal is now honored for real, and a Cookie preferences link in the footer lets you change your analytics choice any time.
    • Sharing a report from a desktop now opens the proper share menu; the one-tap system share sheet stays on phones and tablets, where it belongs.
    • Follow digests now include clustered insider buying (multiple insiders at the same company buying inside a window) for the stocks and managers you follow.

79. v2.7.3

    The public research surface actually doubled this timeAugust 22, 2026
    • v2.7.2 promised every completed report a public page, but one read path still consulted the old curated list, so visitors saw the original 18. All 37 are now live, and a pulled report stays pulled on every surface.

80. v2.7.2

    Every completed report is public, and the emails say what happenedAugust 22, 2026
    • Every stock the research desk has completed a report on is now on the public featured surface. The set doubled overnight. Membership is automatic and safe by construction: a page can only be listed if a finished report exists to serve, so a dead link is impossible. Reports pulled for editorial or legal reasons stay pulled.
    • Searching the featured list for a stock we have not published now tells you the truth and offers the next step: the ticker is recognized by name, marked as having no public report yet, and one tap starts a Moneyta account to run the research yourself.
    • The alert digest email now speaks plainly. A finished research briefing says "ready" instead of pretending to be a triggered threshold, empty values are omitted rather than shown as dashes, and the subject line says what actually happened ("2 reports ready, nothing else moved"), so you can safely skip it from your inbox.
    • If a lookup fails while we check a ticker or a fund manager, the answer is now "we could not check just now," never a false "does not exist."
    • Every email Moneyta sends now shares one visual language (the same green, the same layout, the same tone), whether it is your weekly digest, a trial reminder, or a Vault recovery code.

81. v2.7.1

    A nightly job that reports its own failuresAugust 21, 2026
    • Our filing-parser's error handler could crash while recording a failure, which hid the real problem and failed the whole nightly run. It now records what went wrong and carries on with the next filing, so a single awkward document cannot stop the night's work.
    • The rest of this week brings a post a day: how to read insider trading, whether insider and institutional signals actually work, the fund manager data that is open to everyone, what today's price already believes, and why the dashboard now starts simple.

82. v2.7.0

    Follow the filings, compare the books, hear when they changeAugust 19, 2026
    • Follow any stock or fund manager and hear only when the filings change: new 13Fs with what actually moved vs the prior quarter, big tracked-manager moves in your stocks, and rewritten risk factors. One quiet notification a night at most, never a price ping, email only in the weekly digest.
    • Whale alerts on everything you hold, no setup: when tracked managers add, trim, open or exit a stock in your portfolio, that night's digest says so. Filings are delayed disclosures and every alert says exactly how delayed.
    • Shadow books: put one manager's disclosed book, or a weighted blend of up to eight, beside your own portfolio: overlap, tilts, and each manager's real measured record. If we can't price 85% of a book it refuses honestly, and a blend's headline is labeled arithmetic, never a backtest.
    • A season ledger on every stock: 13Fs trickle in for 45 days, so the ledger shows who has filed so far, with the denominator on screen ("67 of 500 tracked managers have filed") and a warning that early filers skew small.
    • "New since you last looked" on the research home, with explicit acknowledgment: rows stay until you say Got it, and later filings re-surface only the increment.
    • Valuation on the workstation: what today's price implies about growth, computed from the company's own filings, with every assumption editable and every step explained. The fair-value range never enters the desk's scores and never appears on public pages.
    • A simpler Basic dashboard, Coinbase-style: your balance, the chart, your holdings, and what needs attention. The full terminal view is one toggle away and existing members keep it by default; set your preference in Account → Investing.
    • Every new calculation carries "How we calculated this": the standard formulas with your own numbers substituted in.
    • The price chart shows dollars when you view one stock and switches to percent only for the vs-SPY comparison, where a common scale is the only honest one.
    • The research screens got a usability pass: what's yours leads, market-wide charts are one click away, and no screen buries you in rows.

83. v2.6.6

    Straighter answers on manager pagesAugust 16, 2026
    • The cloneability study now states its numbers with their true signs. A positive median edge was rendering as negative; the summary sentence also adapts to what the data says instead of assuming the study came out one way.
    • Managers outside the 500 largest filers now hear the truth: track records are computed for the top-500 cohort, and a manager outside it will not grow one later. Previously the page implied a record was on its way.
    • When a manager's book is too broad for us to price at least 85% of it, the page now says how much we can price and why very diversified books stay below the floor, rather than presenting a bare zero.
    • The institutional research screens stay fast after our own data corrections: the caches they read are now rebuilt immediately when we correct data, instead of the first visitor paying the recompute.
    • Adviser registry updates degrade gracefully again when the SEC's adviser feed rate-limits us, reporting exactly what loaded and what is pending instead of a generic error.

84. v2.6.4

    Historical manager books now read exactly as filedAugust 16, 2026
    • Quarters where a manager received confidential treatment no longer look like the fund nearly liquidated. When the SEC later allows the hidden positions to be revealed, the reveal filing is a partial document by design; we now combine it with the original filing instead of letting its small total stand in for the whole book. Berkshire's 2023 quarters were the visible case.
    • The quarter where the SEC switched 13F reporting from thousands of dollars to dollars was being scaled twice, which showed managers' books in the trillions. Values for that quarter now read exactly as filed, and the correction has been applied to every stored filing from that period.
    • Manager history charts now show every quarter we hold (up to six and a half years) rather than the most recent three.

85. v2.6.2

    Manager track records, and the evidence behind every signalAugust 14, 2026
    • Every institutional manager page now carries a track record: how the manager's disclosed holdings actually performed after each filing, computed only from what was public on the day the filing appeared. Managers whose filings cannot be priced reliably are scored as unratable rather than guessed at.
    • Signals now come with their base rates. Each evidence page reports how often that setup preceded outperformance across roughly nine years of history, including the times it did not work. Insight, not advice: we show the odds, you make the call.
    • A conviction screen ranks stocks by how much real money the strongest-record managers have behind them, so a big name mentioned everywhere and a big position actually held are no longer the same thing.
    • 13F filers are cross-referenced against the SEC's investment-adviser registry, so a manager's registration record is one click from their filings.

86. v2.5.11

    Institutional data you can trace back to the filingAugust 7, 2026
    • Institutional holder counts now mean one thing everywhere: managers who hold the stock. A manager holding only options against a company is no longer counted as an owner, because an option is a different position from owning shares.
    • Company identification is stricter. A company is only matched to a filing when an authoritative identifier says so, never when a single filer's paperwork happens to spell a name a certain way. Anything unmatched is shown as filed rather than guessed at, and we verify our figures against the SEC's own published files.
    • Ownership history now goes back further. Four more quarters of institutional and insider filings are loaded, so quarter-over-quarter changes have real history behind them rather than a single comparison.

87. v2.5.2

    Fresher institutional figures, and the 13F guide is liveAugust 5, 2026
    • Institutional ownership figures now refresh immediately after any data correction on our side, rather than waiting out an internal cache. If we fix an identity mapping, the screens reflect it on the next load.
    • The full guide to reading 13F filings is published, along with the rest of the queued articles: how to follow large investors without fooling yourself, what the 45-day lag really means, and the specific ways this data misleads people.

88. v2.5.0

    See what the largest investors own, and what insiders just didAugust 5, 2026
    • Four times a year the biggest investors in the US have to publish what they hold, and company officers have to report their own trades within two business days. All of that is now part of Moneyta research. Open any company and you can see which large managers reported holding it, how the holder count and the dollars moved from one quarter to the next, and which insiders have been buying or selling.
    • Every institutional figure states the quarter it came from and the 45-day reporting lag that comes with it. These filings describe a past date, never today, and we would rather label that plainly than let a stale number look current. Insider filings are the opposite and arrive within two business days, so those are genuinely fresh.
    • Insider activity is read carefully rather than counted. An open-market purchase, a stock grant, an option exercise and shares withheld for taxes are different events, and only some of them reflect a decision. Trades made under a plan arranged months in advance are separated out too, because they say very little about what someone thinks today. What we surface is clustered buying: several different insiders purchasing within a short window, which is far harder to explain away than any single trade.
    • You can now follow an individual manager. Their reported book across quarters, what they added, trimmed, opened and exited, how concentrated they run, and any company they hold in more than one form at once, such as stock alongside calls and puts. Book size is taken from the total each manager states on their own cover page rather than summed from the rows we recognised, so the line measures the fund and not our coverage.
    • Two managers can be compared properly. Counting how many names they share ignores position sizes entirely, so instead we compute how differently the two books are actually weighted. Two funds can hold forty of the same companies and still be positioned nothing alike.
    • We now store every position as filed, across the whole market, rather than only the companies Moneyta already tracks. That turned a blind spot into a worklist: the new universe radar ranks the names institutions hold that we do not cover yet, largest first, so onboarding follows the money instead of guesswork.
    • A company's filing identity now comes from the SEC's own published ticker list rather than being inferred, and a name is only matched when the match is unambiguous. A wrong match would quietly attribute one company's filings to another, so anything uncertain is reported as unmatched instead of guessed.
    • New in Learn and Help: a full reference guide to 13F filings and whale watching, including a glossary and the specific ways this data misleads people, plus a step-by-step guide to where all of it lives in Moneyta.

89. v2.4.1

    A newly added company no longer gets stuck setting upJuly 31, 2026
    • When a data provider gave us a blank filing identity for a company, we stored the blank as though it were an answer. The company's SEC filings then could not be found, so research setup waited on evidence that was never going to arrive. A blank is now treated as missing, which lets it be filled in rather than sitting unfinished.

90. v2.4.0

    Research that names what would prove it wrongJuly 31, 2026
    • Every read now ends with specific events that would break it, each tied to a real level from the evidence: a close below the 50-day average, the next filing restating a figure, a drawdown past a stated point. The desk can only cite levels it actually read, so it cannot invent one.
    • Those events are then watched for you. Each weekday morning we check the ones that can be checked, and if a risk the desk named actually happens, you hear about it. A stated risk materialising is a reason to read again, never a signal to act.
    • The risk review is computed rather than written. You now see how much of a read rests on a single source, how it ranks against its industry peers, and how common each of its signals is across the whole universe, all dated and all labelled "computed, not argued".
    • A report now opens with what changed since your last read: the new filings, the added risk factors, the signals that rolled, and where the score movement came from. Click any date on the timeline to open that earlier read as it stood.
    • Every finished report carries a timestamped record of the run that produced it. Which analyst reported when, what the chair ruled, how long it took. It is the actual record, not an animation.
    • When an analyst is quiet, the report now says why, and it tells apart two things that used to look identical: there was nothing to find, versus we could not check. A data source being down is our gap, and it is no longer written as a fact about the company.
    • The desk now reads every kind of narrative filing a company publishes rather than only annual and quarterly reports, and names each document by what it is and when it was filed instead of by its accession number.

91. v2.3.1

    SPCX shows SpaceXJuly 29, 2026
    • SPCX now resolves to Space Exploration Technologies, not the closed SPAC ETF that used to hold the ticker. Exchanges reuse symbols when a company delists, and this one had been showing the wrong company since SpaceX listed.

92. v2.3.0

    Share a research report with anyone, and a public desk that growsJuly 29, 2026
    • Every report now has a link you can post anywhere. Send it and a member opens the report itself; anyone else sees what the desk found (how many claims survived the debate, what the analysts read, what would change the read) and can open a full report free, no account needed.
    • The public reports are now Moneyta Featured Research, not "samples". They are real reports on real filings, and the old links still work.
    • A ticker that cannot be researched now says so. An ETF publishes no annual report, no filed fundamentals and has no analyst coverage, so the desk says that outright instead of leaving you watching a setup screen that would never finish.
    • "No rating available" now appears where an analyst consensus is missing, rather than the panel quietly disappearing, so you can tell the difference between nothing to report and something we could not fetch.

93. v2.2.0

    See your broker sync working, and research alerts that read properlyJuly 29, 2026
    • Your Connections tab now shows the daily broker sync: how many of the last 14 days it ran, when it last ran, and what each run did. It was already running every day; you just could not see it.
    • Opening a research report from its "ready" alert no longer re-runs the whole thing. It opens the report you already have, instantly.
    • Research alerts read like research alerts. "Research ready: MU" now says your report is ready instead of showing an empty price reading, in both the notification bell and the digest email.
    • Filing documents are now stored with geographic redundancy, so the evidence behind a published report survives the loss of a whole region.

94. v2.1.2

    The sample report shows a real report againJuly 28, 2026
    • The sample report page was stuck on "being prepared" even though the reports existed. It now loads the current one properly.
    • Only sample reports that actually exist are listed for search engines, so no link leads to a missing page.

95. v2.1.1

    Sample reports now listed for search enginesJuly 28, 2026
    • The sample research reports are now listed in the site map, so search engines can find each company's report rather than only the rotating front page.

96. v2.1.0

    Research on a phone, and the receipts behind every reportJuly 28, 2026
    • The research workstation now fits a phone properly. Panels size themselves to the screen instead of pushing the page sideways, and the header is compact enough to leave room for the report.
    • See exactly how any report was built: a new view traces your ticker through every stage: how many filings and facts were read, what the analysts claimed, what the debate upheld or dropped, and the score that came out. Reachable from any report.
    • Researching a brand-new ticker now shows what is happening. Instead of a blank wait, you see each piece of evidence arrive (price history, filings, fundamentals), and the desk starts on its own the moment there is enough to read.
    • The desk pipeline has proper icons that animate while each stage works and settle when it finishes, so a glance tells you where a report has got to.
    • The editor's note is easier to read: three short sections instead of one block, using the full width of the page.
    • Sample reports are now linked from the home page and discoverable in search: real, cited reports on public data that anyone can read without signing up.

97. v2.0.1

    Clearer research notes, and a research page that never stallsJuly 27, 2026
    • Quarters are now named the way the company files them. A fiscal quarter is shown with the date it actually ended, so a Microsoft "Q3" reads as the quarter that closed in March rather than one that is still running.
    • The editor's note is now written in three short sections (what the evidence shows, what the debate changed, and what would change the read) instead of one long paragraph.
    • Researching a ticker no longer times out the first time a company's filings are read. That work now happens in the background.
    • The desk progress strip tells the truth about where a report is: the chair only lights up once it is genuinely ruling, and reopening the page mid-run no longer leaves an earlier stage stuck.
    • Filing documents are archived again, so every published report can be traced back to the exact document it was built from.

98. v2.0.0

    Moneyta Research: a full research desk, and a journal for your own callsJuly 26, 2026
    • Research is now a workstation. Alongside the written note you get a price chart, the full signal board, quarter-by-quarter fundamentals straight from SEC filings, who owns the stock, and the analyst consensus, all on one screen, with a dark terminal theme if you prefer it.
    • Meet the MONEY desk: five named AI analysts (Mercer, Oakes, Nash, Ellis and Yates), each reading one slice of the evidence, then arguing it out in front of a chair who rules on every claim. Anything that does not survive the debate never reaches your report.
    • The Street tab now names the firms behind the consensus: who rated the stock, whether they upgraded, downgraded or held, what price they put on it and when. Filter and sort it however you like.
    • New Idea Pad: record your own calls with a thesis, then see how they actually did: hit rate, performance against the S&P, and your best and worst calls. It tells you plainly when you have too few calls to read anything into.
    • Every report now carries a citable ID, and a new page shows exactly how your data becomes a report, including which steps use AI and which are plain arithmetic.
    • Fundamentals now work for companies that file under international standards, shown in their own currency rather than converted.

99. v1.13.0

    New writing on your books, and weekend fund prices fixedJuly 21, 2026
    • A new series on the Moneyta blog explains the books side of the product: the double-entry ledger behind your numbers, the Activity feed, your yearly income and expense picture, broker sync, and a complete guide to every alert. New posts arrive weekly.
    • Weekend prices for mutual funds are fixed: funds that publish their Friday value late are now picked up on Saturday instead of leaving a gap until Monday.
    • The home-page quick check no longer shows an empty card when a small mix of tickers has nothing notable to report.

100. v1.12.0

     Try it before you sign up, plus a cleaner Account screenJuly 20, 2026
     • New on the home page: type a few of your holdings (or a name like Apple or SpaceX) and get an instant, no-account taste of the kind of observations Moneyta finds.
     • Join the waitlist right from the home page, without leaving to a separate screen.
     • The Account screen's settings tabs are now a tidy set of buttons instead of a bar that scrolled off the edge on phones.
     • Weekend crypto prices are fixed: a stray character was quietly failing the Saturday and Sunday price update.

101. v1.11.0

     A calmer home page, a new Features page, and plain English everywhereJuly 19, 2026
     • The home page now leads with the product story: the animations up front, a short feature summary, and the details one click away.
     • New Features page collecting everything Moneyta does, from portfolio analytics to net worth to your books, with anchors you can link to.
     • The Security page is rewritten for humans: five plain commitments, no jargon, and full technical details available from support on request.
     • Feature descriptions, pricing labels, FAQs, and help guides all got a plain-English pass so you don't need a finance degree to read them.
     • Four new blog guides: tracking real estate like an asset manager, vehicle equity, the insurance gap, and where to keep the list of what you own.

102. v1.10.2

     Complete crypto history and more accurate daily pricesJuly 19, 2026
     • Crypto now has a price for every day, including weekends. Because crypto trades around the clock, Moneyta records Saturday and Sunday closes too, so your charts and daily changes no longer skip two days each week.
     • Daily prices are filed against the correct trading day. Crypto, gold, and currency prices were being stamped with the time our systems collected them rather than the session they belonged to, which could shift a price onto the wrong day in your history. They now line up exactly with your stocks and funds.
     • Behind the scenes: the nightly operations report is now a complete picture of the day, so anything that needs attention is caught the same evening rather than the next one.

103. v1.10.1

     Smoother connector sign-inJuly 17, 2026
     • Connecting Moneyta to ChatGPT is more reliable: the connector now requests the right set of permissions during sign-in, so authorization completes cleanly the first time.

104. v1.10.0

     Sturdier books, honest pricing, and steadier operationsJuly 17, 2026
     • Your books stay reconciled automatically: when you add opening balances or an asset like a vehicle or property, Moneyta records the matching tax lots and general-ledger entries right away, so your positions and ledger always agree.
     • The portfolio page now shows how current each holding's price is, with a small indicator for today's close versus an earlier session and a clear summary when a few funds are still catching up.
     • Reconnecting a brokerage account no longer creates a duplicate portfolio, and the dashboard stays fast right after you edit your positions.
     • The ChatGPT and Claude connector returns cleaner, more consistent answers.
     • Behind the scenes: sturdier nightly operations. End-of-day prices are captured after data providers publish, long-running data jobs no longer time out, and the integrity checks that watch your numbers report accurately, so your data stays complete and correct.

105. v1.9.1

     Connector reliability & copy polishJuly 14, 2026
     • The ChatGPT and Claude connector now responds gracefully when a tool needs a higher plan or a portfolio hasn't been analyzed yet, returning a clear next step instead of an error.
     • Editorial polish across the marketing site and help center.

106. v1.9.0

     The Moneyta blogJuly 14, 2026
     • Introducing the Moneyta blog at moneyta.co/blog: plain-English writing on portfolio health, ETF overlap, concentration risk, tax-loss harvesting, and testing a trade before you make it.
     • Our first deep dive walks through ETF look-through, an easy way to see your true exposure to a stock by counting both the shares you hold directly and the ones held inside your funds.
     • Prefer a feed reader? The blog and these release notes are both available by RSS.

107. v1.8.4

     Every holding, priced every nightJuly 12, 2026
     • Closing prices now land for every holding, every trading day, when a data provider misses a ticker, we automatically retry it individually and flag anything still missing to our operations team the same night.
     • Daily gain/loss is more dependable as a result: the gaps that could quietly zero out a holding's daily change are caught before you'd ever see them.
     • Behind the scenes: our nightly operations report now verifies data completeness for your holdings, not just that jobs ran, but that your numbers actually arrived.

108. v1.8.3

     Weekend price accuracy safeguardJuly 11, 2026
     • Prices shown over the weekend are now guaranteed to be Friday's official close, a safeguard against a rare case where an earlier price could linger until Monday.

109. v1.8.2

     A faster, smoother Moneyta on your phoneJuly 11, 2026
     • The dashboard loads dramatically faster. We cut the number of round trips on first load and trimmed what your phone has to download.
     • Prices are served instantly outside market hours: a closing price can't change overnight, so we stopped making you wait while we re-checked it.
     • Fixed: typing was invisible in some fields when your phone was in dark mode.
     • Fixed: the app no longer zooms in and gets stuck when you tap into a field on iPhone.
     • Long account names and multiple portfolios now fit phone screens, no more sideways scrolling or cut-off dollar amounts.
     • The portfolio page shows your holdings front and center: compact summary stats, and status notices only where they apply.
     • Daily gain/loss now stays accurate through the evening (a timezone bug briefly zeroed it out after 8 PM ET).

110. v1.8.1

     Balance sheet accuracyJuly 10, 2026
     • The balance sheet now excludes holdings that don't have a price yet and says so, instead of showing them as a phantom loss.

111. v1.8.0

     Waitlist opens + groundwork for broker syncJuly 10, 2026
     • Moneyta's public waitlist is live. Invite your friends at moneyta.co.
     • Behind the scenes: the foundation for automatic broker synchronization (in private beta), keeping your books in line with your brokerage.
     • Sharper reconciliation and record-trade flows for beta broker accounts.

112. v1.7.0

     General Ledger, taxes & financial reportsJuly 2, 2026
     • A double-entry General Ledger runs behind your accounts, so every dollar reconciles, the same books-and-records discipline funds use.
     • New Taxes hub: realized gains year-to-date, estimated tax, tax-loss harvesting, and a year-end preview.
     • Personal financial Reports: balance sheet, income statement, cash flow, and trial balance across your whole household.
     • What-If (formerly the Idea Evaluator) now shows the tax impact of a sale, gain, short/long split, and after-tax proceeds, before you trade.
     • Your Savings: a running tally of what Moneyta has saved you through harvesting, lot choice, and avoided wash sales.
     • Cleaner navigation, grouped into Investing, Money, and Assets.

113. v1.6.0

     Trade lifecycle & tax lotsJune 29, 2026
     • Every buy and sell now flows through an immutable transaction ledger, so your positions are always reconcilable.
     • Automatic FIFO tax lots, realized gains, and a 1099-B–style year-end report.
     • Wash-sale detection flags disallowed losses before they surprise you.
     • Import your broker history, and stock splits are handled for you.
     • New Transactions blotter for a full record of every trade (Gold).

114. v1.5.0

     Ledger reliability & vehicle loansJune 24, 2026
     • The unified activity ledger was rebuilt on an exactly-once engine for rock-solid accuracy.
     • Vehicle-loan payments now post automatically each month, splitting principal and interest.

115. v1.4.0

     New homepage & reliabilityJune 22, 2026
     • A refreshed, animated homepage.
     • Faster, lower-cost address lookups for real-estate entry.
     • Behind the scenes: a permanent fix to a recurring sign-in reliability issue.

116. v1.3.0

     Connect Moneyta to ChatGPT & ClaudeJune 19, 2026
     • Moneyta is now a secure, read-only connector for ChatGPT and Claude. Ask your AI assistant about your own portfolio, net worth, and activity.
     • Smarter ticker reassignment and delisting handling keep your holdings accurate.
     • Brand refresh across the app.

117. v1.2.0

     Unified activity feed & fee transparencyJune 18, 2026
     • One time-ordered record of every money event, dividends, realized sales, corporate actions, fund fees, and the expenses you log.
     • Fund expense-ratio and load-fee transparency, with a show-your-work breakdown behind every number.
     • Annual income & expense report, plus CSV export of your full history.

118. v1.1.0

     Accuracy, speed & securityJune 12, 2026
     • More accurate corporate-action handling and a dashboard that never shows stale data.
     • Mobile navigation improvements and a large performance pass.
     • Reliability and security hardening across the platform.

119. v1.0.0

     Moneyta is liveJune 11, 2026
     • Public launch: an AI portfolio health score with plain-English analysis.
     • Track real estate, vehicles, and valuables alongside your investments, net worth across every asset class.
     • Your valuables live in a PIN-encrypted Vault only you can open.