A portfolio tool built to answer one question

What do I actually own? Not what the fund prospectus says, not what your statement summarizes in three line items — the real, company-by-company exposure hiding inside every ETF and mutual fund you hold.

XRay My Portfolio started as a personal project to solve a problem most brokerage tools don't: if you hold five different funds and three of them all have NVIDIA as a top-10 holding, your statement won't tell you that your real NVIDIA exposure is far larger than your direct shares suggest. We built a tool that looks through every fund, aggregates the underlying companies, and shows you the truth.

What it does

Upload a Fidelity or Schwab portfolio export (CSV) and instantly see:

• True company-level exposure across direct holdings, fund look-through, and options
• Sector and market-cap/style breakdown, including a 3×3 style box
• Stress tests for macro events (rate changes, oil shocks, inflation) and single-stock shocks with correlation cascade modeling
• A target allocation tracker with a specific, tax-aware rebalancing trade plan — not just a chart showing you're off target
• Fund overlap and correlation analysis to understand real diversification
• Monte Carlo simulation showing a range of outcomes across thousands of simulated market paths
• Pre-buy impact analysis, so you see how a new purchase shifts concentration and sector balance before you trade
• A tax-loss harvesting scanner that flags harvestable losses and wash-sale risk across every account
• Automatic account type detection (taxable, IRA, Roth, trust) that factors tax treatment into every recommendation
• A goal calculator showing the contribution rate and growth path needed to reach a target amount and timeline
• Optional live dividend yield and fundamentals data for signed-in users — no API key to manage, only ticker symbols are sent to fetch it

How it's different

Every calculation happens locally in your browser — no server ever processes your portfolio, and no copy of it is stored anywhere, by us or anyone else. Company Exposure and Overview are free with no account; unlocking the rest just takes a free email sign-in (no password, and no portfolio data collected as part of that). Once loaded, the core analysis works fully offline — you can disconnect from the internet entirely. See our privacy policy for the full detail.

Who built this

XRay My Portfolio is an independent project, not affiliated with Fidelity Investments, Charles Schwab, Finnhub, or any brokerage. It's built and maintained by an individual investor who wanted better tools than what existing platforms offer, and decided to share them.

A note on limitations

This tool is for informational and educational purposes only. It is not financial, investment, or tax advice, and nothing in it should be construed as a recommendation to buy, sell, or hold any security. Fund holdings data is sourced from public disclosures and may not reflect a fund's current composition. Always consult a licensed financial advisor before making investment decisions. See our terms of service for full details.