Discover the hidden insights
in your portfolio
See the companies, sectors and themes you truly own — across stocks, ETFs, mutual funds and accounts — all in one clear view.
Consolidate
See through all your accounts, funds and investment structures.
Look Through
Uncover your true company-level exposure.
Understand
Know what’s driving your portfolio and where you’re concentrated.
One upload.
Twenty-three answers.
Most tools show you what you hold. XRay is organised around the questions you actually ask about it — grouped exactly the way the app itself is.
What do I own
Look-through resolves the holdings inside your ETFs and mutual funds, then adds each company up across every account — direct shares and fund slices together. Coverage is the funds' larger positions, and a fund that cannot be resolved stays whole rather than guessed at. Same view by sector and by theme.
How is it doing
Position-level gain and loss across accounts, estimated dividend income and yield, the annual dollar cost of your expense ratios, and an XRay Score that ranks each holding against peers in its own size-and-style cell rather than the whole market.
Risks
Concentration thresholds, the companies your funds quietly hold in common, a correlation heatmap built from the names that actually carry weight in your portfolio, and fifteen stress scenarios — of which the single-stock ones can also propagate the shock through the correlation matrix.
Planning
Drift against the targets you set, harvestable losses in taxable accounts with wash-sale windows flagged, bracket-fill Roth conversion ladders, withdrawal sequencing through retirement, and what a purchase would do to your mix before you make it.
Outlook
A thousand simulated market paths run against your actual holdings so you see a range instead of one line, the contribution rate a dollar target would require, and long-horizon projection at a growth rate you control.
Tracking
Reads the option rows in a Fidelity export and pairs them into spreads: structure, contracts, days to expiry, cost basis, current value, profit and loss and breakeven per position, with any leg it could not pair listed on its own. Option delta also feeds the stress scenarios.
Every one of these is free. An account — an email address and a password, no card — is all it takes.
The ripple most tools leave out
When NVIDIA falls 40%, Broadcom and AMD do not sit still. XRay propagates the shock through a 30×30 correlation matrix at a 65% transmission factor, so the number you see includes the second-order damage — not just the position you shocked. Turn the cascade on and compare the two.
See it on the demo portfolio →The decade that decides the tax bill
Which account you draw from first compounds for thirty years. XRay simulates your portfolio through retirement year by year — enforcing RMDs as a floor, applying the early-withdrawal penalty where it applies, and settling tax annually — then shows two withdrawal strategies side by side, including whether each one lasts and a longevity stress test ten years past life expectancy.
Open the demo portfolio →Three steps. Zero setup.
Export, or use your statement
Download your positions as CSV from Fidelity or Schwab — or use a monthly PDF statement, the kind you download rather than a scan. Fidelity, Schwab, Vanguard, Robinhood and Morgan Stanley are read directly, and other brokerages are read too, so long as the figures add up to the totals printed on the statement. Accounts at more than one, or several files to combine? Drop them in together.
Drop the file in
A statement is imported only when its figures add up to the totals printed on it. If you would rather not use your own numbers yet, the demo portfolio loads with one click.
See what your funds really own
A free account — email and password, no card — opens all twenty-three: company exposure, risk, planning, retirement and outlook.
Where your weights sit
against six well-known investors
Six published allocations, built into the app as reference points. XRay lines your sector weights up beside each one and shows the gaps — so you can see how your portfolio is shaped, and decide for yourself what that means.
Warren Buffett
Tech 46%, Financials 28%, Consumer Staples 10%, Energy 9%. Concentration in a small number of businesses held for a very long time.
Cathie Wood
Tech 58%, Health Care 18%, Consumer 10%. High-conviction disruptive innovation across AI, genomics, robotics and fintech.
Peter Lynch
Consumer 22%, Financials 18%, Health Care 15%. Growth at a reasonable price, spread across a very wide book of positions.
Reconstructed from the fund's published era, not a current filing.
Ray Dalio
International 30%, Tech 22%, broadly spread. Built to hold up across different economic regimes.
Equity sleeve only — the full All Weather also holds bonds, gold and commodities, which are not shown here.
David Swensen
International 28%, broad US equity, REITs. The allocation he published for individual investors — not the Yale endowment's own portfolio, which leans heavily on private assets an individual cannot buy.
Ron Baron
Tech 28%, Financials 18%, Consumer Discretionary 16%, Health Care 15%. Concentrated growth held over long horizons.
These are reference allocations for comparison only. They are not model portfolios, not endorsed by the investors named, and nothing here is a recommendation to buy or sell anything. Filing dates are shown so you can judge how current each one is.
Ready to see what you really own?
A free account — an email address and a password, no card — and your Overview and Company Exposure are free forever. Or open the demo portfolio first and click through all twenty-three analyses with demo data.