How it works
Two minutes, three questions, one number.
The mechanics in full, including the arithmetic. A score you cannot inspect is a score you cannot trust.
Log, learn, answer
Three questions a day.
Log. One card. Type the trade in plain words — “Bought 50 AAPL at 190, out at 185, stop 188” — and the fields fill in as you type, with your profit or loss worked out live. The stop is optional. What you type in a field is yours and is never overwritten. After you save, an AI reads the behaviour in what you wrote and offers it as suggestions you accept or dismiss; nothing is applied on your behalf. A trade you passed on gets the same card (ticker, the direction you would have gone, a price, your reason) and never touches your ledger. A day you did not trade is one tap.
Learn. One lesson matched to what you logged. When nothing calls for something specific you get the next lesson in your teaching sequence — ordered by difficulty within category, not by the order lessons happened to be written.
Answer. Your adopted rules, one line each: kept, missed, or unanswered. On days you traded, the rules also show as chips on each trade in Today so far, and one tap flips one. Unanswered stays unanswered — a tracker that makes silence mean "yes" is measuring your patience with the app.
- 0:00
Log
“Bought 50 AAPL at 190, out at 185, stop 188”
AAPLLongStop 188−$250
- 0:40
Learn
Where a Stop Belongs
Next in your sequence.
- 1:30
Answer
Stop-loss discipline
Kept itMissed it
3 of 4 rules kept today
- ≈2:00Done for the day.
One card
Type it. The fields follow.
Fields the reader filled are drawn dashed until you touch them; touching one makes it yours. Suggestions about your behaviour, such as whether you honoured a stop, arrive only after you save and each has its own Accept and Dismiss.
DESCRIBE IT
“Bought 50 AAPL at 190, out at 185, stop 188”
SUGGESTED AFTER YOU SAVE · NOT APPLIED
Stop honoredAcceptDismiss
40 / 35 / 25
The Score, in full
Three components, fixed weights, and every input is something you decided.
Your Score = round( 0.40 × learning% + 0.35 × discipline% + 0.25 × win rate% )
Capped at 100. Recomputed when you finish a lesson, save a check-in, or log a trade.
A worked example
Learning62%0.40 × 62 = 24.80
Discipline71%0.35 × 71 = 24.85
Win rate48%0.25 × 48 = 12.00
0100
Your Score
24.80 + 24.85 + 12.00
= 61.65, rounded
62
Learning — 40%
Lessons finished, against a goal set by the experience level you pick at the start — 150, 300 or 500. Not against the library’s size: if it were, new lessons would lower your score for doing nothing. The same 22 lessons scored Level 6 when the library held 160, and Level 5 when it held 500.
Discipline — 35%
Average adherence across the rules you adopted. An unanswered rule counts as zero rather than being excluded, so a new account reads 0 rather than a flattering blank. The floor is four rules, because one easy rule you never break would read as perfect discipline.
Win rate — 25%
The only market-facing input, and the smallest on purpose. Every trade you record counts, including the ones you write yourself. What cannot happen is the same trade counted twice: on a day your broker has already priced, what you write is kept as words rather than as a second set of figures. Nothing here rewards trading more, or trading at all.
Why that quarter can be trusted
A win rate is only as good as the trades behind it. Four things found on real connected accounts while building this — none of them unusual, all of them what happens when nobody checks.
Options that expire are still trades
A contract that expires worthless is never sold, so a tool reading only sales reads only the winners. Counting expiries, exercises and assignments turned 265 imported trades into 609 on the first real account — and surfaced a large options loss inside a period that had read as a gain.
The cost is the pooled average
Pricing a sale against one specific older lot is permitted in the United States and not in Canada, where identical shares pool into one adjusted cost base. On a real account the total barely moved — and 151 trades were repriced, 9 of them changing sign. The bottom line looked right the whole time the per-trade figures were wrong.
An unmatched sell is not a short
In one account, 124 of 311 trades were phantom shorts — shares bought before the import window, and dividend reinvestments down to 0.2651 of a share, paired backwards with the profit and loss inverted. Every one fed the win rate.
The same week, counted twice
Two synced trades gave a 50% win rate. One hand-logged entry for a trade the broker had already reported moved it to 67% — identical trading, counted differently. The fix is at the source rather than in the arithmetic: nothing you log is ever set aside, but on a day the broker has already priced, your account of it is stored without a second profit figure.
20 levels · 4 ranks
None of it can be bought.
Twenty levels across four ranks, derived from the Score and nothing else.
Expert86–100
Professional66–85
Apprentice41–65
Novice0–40
| Rank | Score | What it means |
|---|---|---|
| Novice | 0 – 40 | Building the habit. Most of the score is still ahead of you. |
| Apprentice | 41 – 65 | Showing up consistently, rules mostly held. |
| Professional | 66 – 85 | Reading deliberately and keeping rules under pressure. |
| Expert | 86 – 100 | Sustained across all three components. |
Never tied to how often you trade, how large you trade, or how a trade turned out. That is a hard rule in the codebase, not a preference.
Minimum four, chosen by you
Scored on your rules, not our library.
Only what you adopted is scored — which is what stops our content work from moving your number.
Your set, not our library
You adopt rules from the library — position sizing, honouring stops, no revenge trades, no trading the open. If every rule we shipped counted, writing new rules would lower your score for behaviour that had not changed. Adding a rule to the library moves nobody. The floor is four, so the score cannot be gamed down to one easy question.
Two signals, or silence
A recommendation appears only when a rule with low adherence and your trade data point the same way. One signal alone is a coincidence. Findings hold to the same standard: ten closed trades minimum, a real gap, and the figures printed on the card. An app that speaks confidently about four trades is noise with a serious voice.
One saved day a month, every plan
Streaks that survive real life.
A streak normally dies the first day you skip. Here you get one saved day a month, on every plan including free — and if your streak would have broken, it is spent automatically. There is nothing to switch on, nothing to claim, and no way to waste it by accident: the app works it out the next time you open it. A habit tool that resets a hundred-day streak because you had flu has taught you the streak was never about the habit.
Beyond the daily loop
Tools that work on your own record.
None of these changes your Score, and none of them gives advice. They read what you logged and show it back. Ultimate, the top plan, adds the AI coach, the Deep dive, What-if replay and the tax tools to Pro; see Pricing. The assets are still stocks, ETFs and options.
Rule Lab · Ultimate
Rules with a number you set.
Max trades a day, a daily loss limit, a stop on every trade, honour the stop, max risk per trade, pause after losses, wait after a loss. Each is checked automatically from your trades. Each shows, currency by currency, what always keeping it would have meant on your own history, and whether that held up across both halves of your record. Rule Lab suggests only rules that held up, lets you test any rule with your own limits, and lets you adopt it.
What-if replay (Ultimate only): set a limit and see which trades and which days it would have cut. If the limit never applied to your record, it says so and why: for example, your busiest day had fewer trades than the limit, so nothing changes.
It is a replay of your own trades, not a forecast and not advice. Measured rules do not change your Score.
RULE LAB · EXAMPLE
Daily loss limit · CAD 150
A replay of past trades, one currency at a time, nothing converted. Not a forecast. Does not change your Score.
AI coach
On Ultimate, a short weekly note on your week, and a chat where you can ask questions about your record. It is educational. It answers only from your own record, says so when the record does not hold the answer, and gives no advice: no picks, no entries, no targets. A summary of your record is sent to a language model to write each note or answer.
Superficial-loss flags and the tax-year report
Set your tax residence and Ultimate flags sales at a loss that Canada’s superficial-loss rule or the US wash-sale rule may affect, and adds a tax-year report with adjusted-cost-base dispositions and CSV or PDF export. Both are educational summaries of what you logged, not tax advice, and accounts held by a spouse are not considered. Confirm anything that affects your taxes with a professional.
CSV import
For a broker SnapTrade does not cover, Pro can import a trade export file. The file is read on your device, the trades are stored, and the file itself is not kept.
Picture reader
Photograph or screenshot a trade and the app reads it into a draft for you to check. The image is read and discarded, never stored. Ultimate gets 60 reads/month and Pro 3.
Patterns and exits
Pro and Ultimate see the spread of your results in R-multiples, your longest losing streak, and your best and worst symbols, each currency apart and only once there are enough trades to say anything. Exits are compared with the stop and target you planned. All of it is computed from your own record.
Deep dive
Ultimate only. What each broken rule cost over twelve months, against what keeping it earned. Several what-if replays run together. Your stated reason for a trade set against whether you kept your rules. How the day after a hard day goes. A tax view of non-registered profit and loss with superficial-loss and wash-sale flags; TFSA activity is counted but kept neutral. Educational, not advice.