The complete Three·Lens guide.

Signing in

Three·Lens uses passwordless sign-in — there's no password to remember. Enter your email, and we send you a 6-digit code. Type it in and you're in. The code expires after a few minutes; if it does, just request another.

Where The Sign in button on the home page, top-right.

Use a permanent email address — temporary/disposable inboxes aren't accepted. Your email is only ever used to sign you in and send account notices.

Your first reading

Once you're signed in you land on the workbench. Type a ticker — for example AAPL or MSFT — and Three·Lens builds a full reading from scratch. The first one takes a little while; you'll watch it work through each stage. When it finishes, the reading is saved to your library so you can return to it anytime.

Try Search AAPL and watch the progress panel run.

The workbench

The workbench is your home base. Search a ticker and Three·Lens runs a multi-stage reading: it identifies the company from SEC records, fetches the latest price, pulls the financials from the filings, computes the key ratios, gathers news, finds peers, and writes the three-lens analysis. A progress panel shows each stage as it happens.

Finished readings appear in your library as cards — company, price, sector, and the date you read it. Tap a card to open the full dossier; tap again to come back.

Your workbench lists every live market in a searchable picker (plus an “All markets” browse view). You can switch markets anytime from that picker, and your choice sticks until your next sign-in. The Markets setting on your Account page just sets your default market — the one you land on when you sign in.

Re-reading a company you've already scanned is smart about freshness: if nothing material has changed (no new filing, no big news, no large price move), Three·Lens reuses the existing analysis instead of spending a fresh scan. A re-scan only counts against your monthly limit when it actually rebuilds the reading.

Reading a dossier

A dossier opens with the company's identity and its latest price (end-of-day, with the date shown). Below that are two groups of numbers: Financials straight from the company's SEC filings, and Ratios that Three·Lens computes from those filings and the price.

A complete reading covers: identity and price, financials and ratios, the written filings analysis, a fresh-news brief, a peer comparison, and the full Value / Growth / Quality synthesis with its supporting evidence.

If one piece can't be generated — missing data, or a provider hiccup — the dossier marks that reading “Partial” and everything else still stands. You're never blocked by one gap.

If a reading states a specific figure that can’t be matched to the filing or news behind it, a small ⚠ marker appears at the top of the reading; tap it to see which numbers to double-check. Nothing is removed — you’re simply told what to verify.

Results Read

For U.S. companies, a dossier carries a second tab: Results Read — a focused look at the company’s latest reported quarter, drawn only from that quarter’s SEC filing. It opens with a metrics strip — revenue, EPS, net income, margins, cash — each with its year-over-year change, a “What management said” digest of the key statements from the earnings release (attributed and de-jargoned, in management’s own framing), and its own Value / Growth / Quality read of the quarter. Expand quarter financials for the full income statement, balance sheet, cash flow, per-share figures, and an eight-quarter trend.

Results Read is deliberately single-source — only that quarter’s filing, kept separate from the trailing-twelve-month figures on the main dossier, so the two are never conflated.

The three lenses

Every company can be read three ways. A Value investor asks whether it's cheap. A Growth investor asks how fast it can expand. A Quality investor asks how durable and well-run it is. The same company often looks attractive through one lens and unattractive through another — and noticing where the lenses disagree is where the real understanding lives.

Each lens shows its reasoning as grouped evidence — points that Support it, points that are Mixed, points Against, and useful Context — and leads with a weighing sentence so you can see how the case balances out.

Three·Lens never hands you a single buy/sell verdict. It lays out the case through each lens and leaves the judgement to you. It is for education and research — not investment advice.

Tap any number

This is the heart of the teaching layer. Under every figure in a dossier is the exact calculation that produced it — the real numbers, not a black box. Tap any number to open a short lesson explaining what it means, the general formula, this company's actual computation, and how to read it sensibly.

Even when a metric can't be calculated — say P/E when earnings are negative — it stays visible with a plain explanation of why, so the gap itself becomes a lesson.

Where Any underlined figure inside an open dossier. A full glossary collects the same lessons in one place.

Go deeper

Inside a number's lesson, Go deeper asks the AI tutor to expand on the concept in the context of the company you're reading — a longer, conversational explanation that streams in as it's written. Great when the short lesson sparks a "but why…" question.

Go-deeper explanations and the tutor chat draw on the same monthly tutor-chat allowance (see Plans & limits).

Peer comparison

Each reading places the company against a handful of peers — comparable businesses in the same market — so a ratio isn't just a number in isolation but a number relative to similar companies. Peers are chosen for the company's market, so a US company is compared with US peers.

Where A section within the open dossier, below the company's own figures.

The news brief

Every reading includes a short, current news brief — recent, relevant developments for the company, drawn from the web and summarised. The brief widens its window if there's little very-recent news (this week → this month → this year), so you always get something useful rather than an empty section.

Where A section within the open dossier.

Notes

Add your own notes to any dossier — your thesis, questions to revisit, what changed your mind. Notes are private to you, saved with the reading, and ride along with your library backup.

Where In the open dossier; type into the notes area and your text is saved automatically.

The AI tutor · chat

Ask follow-up questions about a reading and get a plain-language answer. The tutor knows the dossier you're looking at, so you can ask things like "why is the debt-to-equity high?" or "what does negative free cash flow mean here?"

Where The 3· chat button, bottom-right of the workbench.

• Signed-in only. The tutor appears once you're signed in.
• Paused during a scan. While a reading is being built or refreshed, chat is briefly disabled so it doesn't collide with the work in progress.
• It counts toward your plan. Each message you send uses one of your monthly tutor-chat messages (see Plans & limits).

Quiz

Test your understanding with short quizzes that turn the concepts behind the numbers into quick questions. A low-pressure way to check whether a lesson actually stuck.

Where Within the teaching layer, alongside the concept lessons.

Listen aloud

Prefer to listen? Three·Lens can read analysis aloud with text-to-speech, so you can absorb a reading while doing something else.

Where The listen control near readable analysis.

Compare companies

Put companies side by side to see how their figures and lenses stack up. Comparison works from companies you've already read, so the numbers are the same vetted figures you saw in each dossier.

Where The Compare view, reachable from the workbench.

Practice Portfolio

A watchlist and a practice positions tracker, built for learning — not a brokerage and not live trading. Star a company to watch it, or record a practice position (date, quantity, price) to follow how a thesis plays out over time.

Where The Portfolio view, from the workbench menu.

Sharing a reading

Create a share link to send a reading to someone — a study partner, a family member. The recipient opens the link and verifies with a quick 6-digit code sent to their email, so a shared reading isn't open to the whole internet. You can see how many times a shared reading has been viewed.

Where The Share action on a dossier. Your shared links are listed on your Account page.

Your library

Your readings live on your device, in your browser — they're yours, fast to open, and available without round-trips to a server. That also means a given browser holds its own library: sign in on a different device or browser and it starts empty until you restore a backup.

Signing out hides your library from view but doesn't erase it. Deleting your account does erase the local library on that device.

Cloud backup & restore

Because your library is on-device, Three·Lens offers an optional encrypted cloud backup so you don't lose it and can move between devices. It's zero-knowledge: your library is encrypted in your browser with a password only you know, then the encrypted blob is stored. We hold only unreadable ciphertext — like a password manager, we can't see your data.

• Turn it on on your Account page and choose a backup password. After that, syncing is automatic and silent on that device.
• Restore on a new device by entering the same backup password — your library downloads and decrypts.
• Export / import a file is also available — the same encrypted backup as a downloadable file you keep yourself.

Plans & limits

Every plan is the complete Three·Lens — the same readings, the same teaching, the same tools. The only thing that changes between plans is how much you research each month: how many company scans and tutor-chat messages you get.

• Free — 5 company scans & 15 tutor messages per month. Free forever, for learning the lenses.
• Starter — $10/month — 35 scans & 75 tutor messages.
• Pro — $20/month — 75 scans & 150 tutor messages.
• Premium — $30/month — 120 scans & 250 tutor messages.

What counts as a scan

A scan is a fresh reading of a company. Opening a reading you've already saved is free — it doesn't count. Re-reading a company only counts if something material changed and the analysis is genuinely rebuilt (see The workbench).

When you hit a limit

If you reach your monthly scan or chat limit, Three·Lens tells you and shows when your allowance resets (limits are monthly). Everything you've already saved stays fully available — you can keep reading, learning, and using your library; you just can't run new scans or send new tutor messages until the reset or an upgrade.

Where Your current usage and plan are on your Account page. Plans are also listed on the home page.

Managing your plan

Upgrade anytime to raise your monthly allowance — the change applies right away. Downgrades and cancellations take effect at the end of your current billing period, so you keep what you've paid for until then. Billing is handled securely by Stripe; we never see or store your card details.

Where The Plan section of your Account page — upgrade, or open the billing portal to change or cancel.

Deleting your account

You can delete your account yourself, anytime, from your Account page — no need to email anyone. For safety it asks you to type DELETE and confirm with a fresh 6-digit code.

• Free accounts are deleted immediately.
• Paid accounts can choose to delete now, or at the end of the billing period (you keep access until then, and can change your mind and restore before it completes).
• What's erased: your account, your readings on that device, your backup, shares, and personal data. We keep only a minimal billing/tax record (no readings, no profile) as the law requires, and past invoices remain with Stripe.

Deleting forfeits any remaining paid time — there's no partial refund. See the privacy policy for the full retention detail.

Suggestions & feedback

Have an idea, or hit something that felt off? Suggestions let you propose a feature and follow its status as it moves from New to Planned, Building, and Shipped — and you'll get an email if something you suggested ships. You can also send quick feedback on a reading to help us improve the analysis.

Where Suggest in the workbench menu (signed-in); feedback controls sit with the readings.

Your privacy in brief

Three·Lens keeps your research on your device, with optional encrypted cloud backup we can't read. We keep per-account usage counts to apply your plan limits, plus anonymous, aggregate stats to improve the app. No tracking cookies. No ads. We don't sell your data.

Read more The full privacy policy and terms.