XRay My Portfolio

Accounts & Holdings

#	Company	Sector	Total exposure	% of total	Direct	Via Funds	Options (net MV)	Sources

Sector allocation

Across every account, with fund holdings attributed to the companies inside them

Key insights

Read off the same figures as the chart

Exposure by sector

What makes up each sector — companies held directly, through funds, or whole funds placed by category

Thematic allocation

High risk / high reward growth themes

Same totals as the breakdown below — a stock like NVIDIA counts toward more than one theme, so these bars don't sum to 100% of your portfolio. Click a bar to jump to its detail below.

Key insights

What the bars add to, and what they actually cover

Exposure by theme

high risk / high reward growth themes

Semiconductors, AI infrastructure, software, biotech, crypto, and robotics tend to carry more volatility — and more upside — than the broader market. These bars overlap on purpose (a stock like NVIDIA counts toward more than one), so they won't sum to 100%.

Target allocation tracker

set your goals, see the gap in real dollars

Enter your target % for each sector. The bars show current vs target — green means under-allocated, red means over-allocated. Preset profiles give you a starting point you can customize.

Green = under-allocated Red = over-allocated

Iconic investor allocations — for comparison

Reference allocations built from public filings and published writing, for comparison only. They are not model portfolios, the investors named have not endorsed this tool or seen these figures, and matching one is not a recommendation. Verify this independently before adopting any of them as a target.

Allocation Comparison

Hover or click any row or slice to link all three together.

Current Allocation

Every holding you own — equity sectors, bonds, alternatives and real assets

Sector Allocation Comparison

Overweight vs. target Underweight vs. target On target (±0.5%)

Sector	Current	Target	Gap

Sector	Current	Target	Gap

Target Allocation

Your target mix

Style box

market cap × valuation

See how your portfolio's shape compares across cap size and growth/value style — independent of sector. The right column shows where your selected target model concentrates, when available.

Your portfolio

Click any cell to see holdings

Target — My Current

⚖ Rebalancing trade plan

New cash to deploy

Deployed first — no tax cost

Your LTCG tax rate

Strategy

Holdings ledger

all positions across all accounts

Symbol ↕	Description	Type ↕	Shares ↕	Price ↕	Market Value ↕	Cost Basis ↕	Gain / Loss $ ↕	Gain / Loss % ↕	Accounts

Gain/Loss figures use your broker's reported cost basis, as printed in the file you uploaded. Where that figure is missing for a position, it is calculated instead as current value − cost basis. Positions with no cost basis at all show — for gain/loss. Options and money market excluded. Click any column header to sort.

Market benchmarks vs your portfolio

Pre-built database () · click Fetch to populate YTD and Δ 52-Wk High

Symbol ⇕	Description ⇕	Mkt Value ⇕	YTD ⇕	Δ 52-Wk High ⇕	1 Year ↓	3 Year ⇕	5 Year ⇕	10 Year ⇕	15 Year ⇕	Type ⇕

Multi-year returns annualized · price return only (excl. dividends) · YTD, 1yr, and Δ 52-Wk High live from Finnhub once fetched · † = 1yr still showing a static estimate (unverified, click Fetch above) · * = fund's 52-Wk High estimated from its tracking ETF · 3/5/10/15yr have no free live data source and come from a hand-maintained database — treat as rough estimates, not verified figures

Pre-buy impact analysis

Add one or more positions you're considering — the tool shows you instantly how they change your portfolio before you commit any capital. No API calls needed; uses your existing data.

Tax-loss harvesting scanner

Identifies positions in taxable accounts only where you can sell at a loss to offset capital gains and up to $3,000 of ordinary income per year. IRA / Roth / 401k positions are excluded — losses inside tax-advantaged accounts cannot be harvested.

Short-term tax rate

Ordinary income rate (losses held <1yr)

Long-term tax rate

LTCG rate (losses held >1yr)

Min. loss threshold

Skip positions below this loss

Roth conversion planner

Estimates how much of your pre-tax IRA/401(k) balance you could convert to Roth this year without leaving a target tax bracket — or model converting steadily over several years to shrink future RMDs. Uses federal tax brackets only (state tax isn't modeled). This is a planning estimate, not tax advice — confirm with a tax professional before converting.

Filing status

Gross income

Fill up to bracket

Convert until you'd hit the next one

Retirement planner

Project your portfolio through retirement — see how long your money may last, how withdrawals may work across taxable, pre-tax and Roth accounts, and the potential tax impact.

Federal tax only3% inflationPlanning estimate

Who are you planning for?

Tell us if you are planning for yourself or for you and your spouse.

Just mePlan based on my information only. My spouse & meInclude both of our information.

Your personal details

This helps us estimate your retirement timeline and tax considerations.

Your information

Filing status

State

Birth year

Retirement age

Life expectancy

Spouse’s information

Birth year

Retirement age

Life expectancy

Whose name are the IRA and 401(k) accounts in?

There is no such thing as a joint IRA — each account belongs to one of you. It matters because the withdrawals the IRS forces from 73 are worked out on each person’s own accounts at their own age, and one of you cannot take the other’s.

Your income and savings

Tell us about your current income, savings, and expected growth.

Monthly income

Your monthly income

$ /mo

Spouse’s monthly income

$ /mo

Gross, before tax, in today’s money. Each person’s income stops when they retire.

Monthly savings

$ /mo

Put aside from that income each month, on top of whatever the portfolio earns.

Expected annual growth rate

What your savings are assumed to earn each year until you retire. Income itself is held flat in today’s money.

Add additional capital (optional) Add expected amounts such as inheritance, home sale, 401(k) rollover, etc.

Assumes the amount is already tax-effected when it arrives (e.g. inherited assets get a stepped-up basis, sale proceeds are net) — no additional tax is applied on receipt.

Retirement income sources

Tell us about your expected Social Security, pension, and other retirement income.

Social Security

Age your estimate is for

Estimated monthly benefit

$ /mo

Benefit strategy

Spouse’s Social Security

Age their estimate is for

Estimated monthly benefit

$ /mo

Benefit strategy

Add pension or other income (optional) Company pension, annuity, or other guaranteed income.

Pension

Monthly amount

$ /mo

Starts at age

Rises with inflation Most private pensions do not; most public ones do

Spouse’s pension

Monthly amount

$ /mo

Starts at age

Rises with inflation Most private pensions do not; most public ones do

Goals and assumptions

Set your expected retirement spending and other key assumptions.

Retirement assumptions

Monthly spending in retirement

$ /mo

Inflation rate

Growth rate in retirement

Target tax bracket

Spending is in today’s money and inflation is added for you. The target bracket is used by the “fill bracket” strategy only, and the growth rate applies once you have retired.

Your spending plan

Change it at a given age (optional) Most plans spend more in the early years and less later, or allow for care costs at the end.

Your plan

Plan with confidence toward the future

See how your savings, income and tax strategy work together throughout retirement.

Planning assumptions

Federal tax only3% inflationPlanning estimate

Timeline at a glance

Federal tax only, flat 3% inflation applied to spending, Social Security and the federal brackets and standard deduction alike — state figures and the thresholds Congress has frozen stay fixed, as they are in law. A single-filer scope — one person’s age and life expectancy drive the timeline. A planning estimate, not tax or financial advice.

Charitable giving optimizer

Donating appreciated securities directly to a Donor-Advised Fund (DAF) or charity eliminates capital gains tax entirely AND generates a deduction for the full market value — significantly more efficient than selling first and donating cash.

Giving target

% of portfolio

Adjustable — default 1%

Marginal income rate

For deduction value

LTCG rate (incl. NIIT)

20% + 3.8% NIIT

Fund overlap analysis

holdings redundancy between your funds

Overlap % = share of holdings weight that two funds have in common. Higher = more redundant. Hover any cell for shared companies.

0% no overlap50%100% identical

Correlation heatmap

your holdings

Correlations based on 2-year rolling daily returns · hover a cell for details

−1.0 perfect inverse0 uncorrelated+1.0 perfect

Portfolio growth projection

future value based on historical returns

Each position is projected using its own verified historical CAGR. The portfolio total is the weighted sum of all individual projections. Use Custom Rate to override with your own assumed growth rate. Past performance does not guarantee future results.

Based on historical performance

Weighted portfolio CAGR: —

Project forward 25 years

1yr10yr25yr50yr75yr100yr

Monthly DCA contribution

$ /month

e.g. $1,000/day = $22,000/mo

Starting value

→

Projected value

Total gain

+$0

0×

DCA contribution

All positions — projected individual value (click any column to sort)

Symbol ↕	Description ↕	Current Value ↕	CAGR ↕	Projected Value ↕	Multiple ↕

⚠ Projections use historical CAGR compounded annually. Returns are not guaranteed. 1yr CAGR figures are highly volatile and not recommended for long-term projection. Sources: financecharts.com, averageannualreturn.com, portfolioslab — verified June 2026.

Return source

Whose historical return/risk to simulate with

CAGR basis

Longer basis smooths out recent volatility

Expected annual return

Long-run assumption

Annual volatility (σ)

S&P 500 avg: ~15% · Growth-tilt: 18–22%

ⓘ How is this calculated?

Monthly DCA

Time horizon

yrs

What to project

	Value	Blend	Growth
Large	β 0.85	β 1.00	β 1.25
Mid	β 0.90	β 1.05	β 1.35
Small	β 1.00	β 1.15	β 1.50

Goal calculator

what does it take?

Enter a target and timeline. The tool works backwards across three levers — returns, savings, and time — to show exactly what each path requires. Reuses your portfolio's current CAGR and Monte Carlo volatility estimate.

Target portfolio value

By year

Monthly DCA

Expected CAGR

Portfolio weighted 5yr

Volatility (σ)

Stress test simulator

pick a scenario below to estimate the impact on your portfolio

〰️ Rate Change ScenarioSlide right for a rate hike · slide left for a rate cut · each step = 25 bps · max ±400 bps

✂️ Rate Cut

0 bps

Move the slider to set a rate change

📈 Rate Hike

−400 −200 0 +200 +400

Estimated sector impact:

🛢️ Oil Price SensitivityDrag to set WTI crude price per barrel · Base: $90/bbl (Oct 2026) · Historical range: $10–$147 · Slider: $10–$150

$90

per barrel · base price

$10 $40 $90↑base $107 $150

Historical reference prices — click to jump

💵 U.S. Dollar Index (DXY)Slide right = stronger dollar · slide left = weaker dollar · Base: 99.2 (Jun 2026) · Range: 70–130

99.2

base value · no change

70 90 99↑base 110 130

Historical reference levels — click to jump

🥇 Gold Price SensitivityDrag to set gold price per troy ounce · Base: $4,517/oz (Jun 2026) · Range: $500–$8,000

$4,517

per troy ounce · base price

$500 $2K $3.5K $4.5K↑base $6K $8K

Historical reference prices — click to jump

📊 Inflation Rate (CPI) SensitivitySlide to set annual CPI rate · Base: 3.8% (Apr 2026 — BLS) · Range: 0%–15% · Step: 0.1%

3.8%

annual CPI · base rate

0% 2% ▼
Fed target 3.8%↑
base 6% 9% 12% 15%

Historical reference levels — click to jump

🏭 Producer Price Index (PPI) SensitivityAnnual PPI rate · Base: 6.0% (Apr 2026 YoY — BLS) · Range: 0%–20% · Step: 0.1% · PPI leads CPI by ~2–3 months — a margin compression indicator

6.0%

annual PPI · base rate

0% 5% 6%↑base 10% 15% 20%

Historical reference levels — click to jump

📈 GDP Growth Rate SensitivitySlide to set annualized real GDP growth rate · Base: 1.6% (Q1 2026 — BEA) · Range: −4% to +8% · Step: 0.1%

1.6%

annualized real GDP · base rate

−4% 0% 1.6%↑base 3% +8%

Historical reference levels — click to jump

Custom scenario — set shocks per sector or companyDrag sliders to apply a % change. Positive = gain, negative = loss.

−$0

Impact breakdown by position

⚠ Estimates assume linear price movements. Options impact uses net delta × price change (first-order approximation — ignores gamma, theta, vega). Fund impacts are calculated only on tracked top holdings; actual fund NAV changes may differ. Not financial advice.

Top 20 exposures by total dollar value

Direct stock Via fund / ETF Options net MV

Spread P&L tracker

net cost, current value, and return multiple per position

	Underlying ⇕	Structure ⇕	Contracts ⇕	DTE ⇕	Cost basis ⇕	Current value ⇕	P&L $ ↓	Current × ⇕	Max $ (at expiry) ⇕	Max × ⇕	% of max ⇕	Breakeven ⇕

⚠ Cost basis and P&L are computed from each leg's own broker-reported cost basis and gain/loss — not estimated. Max $ and breakeven assume the position is held to expiration and apply only to clean two-leg vertical spreads. Spreads are paired when contract counts match exactly between a long and short leg in the same underlying/expiry/type, or when the remaining legs on one side sum exactly to a single leg on the other — brokers report one row per contract, not per trade, so a strike sold as the hedge for two separate spreads shows up as one combined row; that row is split proportionally by contracts to recover each spread. Anything that still can't be paired is shown individually below instead of guessed at. Click any row to see its legs. Options parsing currently covers Fidelity exports only — Schwab option positions are detected but not yet included here.

Finnhub API Click Refresh to fetch live data

Dividend & income tracker

estimated annual income

Database vintage: · fund yields via look-through · use ↻ Refresh Live for current Finnhub data · 📦 Rebuild DB quarterly

Annual dividend income

—

fetch live data to calculate

Monthly income

—

average monthly run rate

Portfolio yield

—

weighted avg yield

Positions paying

—

of total positions

Symbol ⇕	Description ⇕	Market Value ⇕	Annual Yield % ↓	Est. Annual Income ⇕	Est. Monthly Income ⇕	Frequency ⇕
Click ⚡ Fetch Income Data to load dividend yields from Finnhub

Italic rows = fund look-through estimates (weighted avg of constituent yields). Coverage % = fraction of fund weight mapped. Stock yields live from Finnhub.

Fee drag analyzer

annual cost of fund expense ratios

Shows the annual dollar cost of expense ratios across all your fund holdings and estimates the 10-year compounded opportunity cost — what those fees could have grown to if invested instead. Direct stocks have zero expense ratio. Data pre-built; refresh annually as expense ratios change.

CAGR assumption

Used to compute 10yr opportunity cost

XRay Score

style-aware fundamental rating

A 0–100 composite score covering valuation, profitability, financial health, and risk — compared against peers in the same market-cap × style category, not the whole market. A high-P/E growth stock isn't automatically penalized for being growth; it's judged against other growth names, and where trailing growth data is available, valuation also factors a PEG-style check (P/E ÷ growth rate) — so a 30%-grower at a premium multiple isn't scored the same as a flat-growth stock at the same P/E. Click any row to see the four sub-scores that make up the total.

Finnhub API Fetches fundamentals (P/E, P/B, ROE, debt/equity, beta, growth) per position

Symbol ↕	Description ↕	Style Box ↕	Market Value ↕	XRay Score ↕	Rating
Click ⭐ Fetch Ratings to load fundamentals from Finnhub

⚠ The XRay Score is this tool's own arithmetic on public fundamentals, scored against approximate category benchmarks — not a rating from any agency, and not a buy, sell or hold call. A high score is not a reason to buy, and a low one is not a reason to sell. Benchmarks are derived from approximate 2026 market data by style-box category (Russell 1000 Growth/Value spreads, sector P/E surveys) and are themselves approximations, not live peer medians. Score components: Valuation 25pts · Profitability 25pts · Financial Health 25pts · Risk Profile 25pts. Funds/ETFs are scored as the weighted average of their tracked underlying holdings.

Discover the hidden insights in your portfolio

Analyze a new or updated portfolio

Welcome back.

Whose portfolio are you working on?

Accounts & Holdings

Retirement planner

What’s worth your attention

Your assets over time (1,000 simulated market histories)