Most portfolio tools show you what you hold. XRay shows you what you really own — and what happens when markets move.
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True fund look-through
XRay looks inside every ETF and mutual fund to show your real company-level exposure. NVIDIA appearing in 6 of your funds? You'll see the combined total instantly.
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Correlation cascade stress test
When NVIDIA drops 40%, AMD, Broadcom and Microsoft don't stay flat. XRay propagates shocks through a live correlation matrix to show the full ripple — not just the direct hit.
Unique feature
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Generational growth projection
Each position projected using its own verified historical CAGR over up to 100 years. Custom rate slider. Built for long-term and generational wealth planning.
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Iconic investor models
Compare your portfolio against Buffett, Cathie Wood, Peter Lynch, Ray Dalio, David Swensen, and Ron Baron. See exactly what to trim and where to add.
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Holdings ledger
Every position across all accounts — summed, sorted, and showing gain/loss to the dollar. Missing gain data from your broker's export? XRay calculates it from your cost basis automatically.
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Live dividend tracker
Sign in free and see your estimated annual dividend income, total portfolio yield, and monthly income run rate — updated live. No API key to manage; we handle that server-side.
Live data
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7 macro stress scenarios
Rate change, oil, dollar index, gold, CPI, PPI, GDP — each with calibrated sector sensitivities based on real historical data. Slide and watch your portfolio react.
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Fund overlap analysis
Holding VGT, QQQ, and VIGAX? XRay shows which companies appear in multiple funds and by how much — so you know your true concentration before the market tells you.
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Options delta exposure
Black-Scholes delta computed live from your CSV. Net delta per underlying, total dollar exposure, and how spreads behave under each stress scenario.
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Monte Carlo simulation
Thousands of simulated market paths run against your actual holdings, so you see a range of outcomes — not just a single projected line.
Unique feature
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Pre-buy impact analysis
See exactly how a new purchase shifts your concentration, sector balance, and fund overlap before you place the trade — not after.
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Tax-loss harvesting scanner
XRay scans every position across every account for harvestable losses and flags wash-sale risk automatically.
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Account type detection
XRay recognizes taxable, IRA, Roth, and trust accounts from your export and factors tax treatment into every recommendation it makes.
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Rebalancing trade plan
Get a specific, tax-aware buy/sell list to bring your portfolio back to target allocation — not just a chart showing you're off target.
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Goal calculator
Set a target dollar amount and timeline, and see the contribution rate and growth path needed to get there from where you stand today.