Analyze your ETFs and stocks with look-through holdings, sector exposure, risk metrics, and FIRE projections. No login required.
Enter your ETF and stock tickers with the number of shares to analyze your portfolio's composition, risk metrics, and FIRE projections.
Examples: VWCE.DE, EQQQ.L, VTI, AAPL, MSFT
Our free portfolio analysis tool gives you institutional-grade insights into your investment portfolio. Whether you hold ETFs, individual stocks, or both, get a complete picture of your holdings, risk exposure, and path to financial independence — all without creating an account.
See your total portfolio value with multi-currency support, position-by-position weights, and concentration risk alerts. Our ETF look-through analysis reveals the actual underlying stocks inside your ETFs, so you know exactly what you own.
Understand where your money is truly invested with sector and country breakdowns that look through your ETFs. Interactive charts visualize your Technology, Healthcare, Finance, and other sector allocations alongside global geographic diversification.
Analyze up to 15 years of historical price data to understand your portfolio's risk profile. Key metrics include Compound Annual Growth Rate (CAGR), Sharpe and Sortino ratios for risk-adjusted performance, maximum drawdown, annualized volatility, and Beta relative to the S&P 500.
See where your portfolio could be in 5, 10, or 30 years with 3-scenario projections powered by Monte Carlo simulations. A 6-dimensional portfolio characteristics radar scores your Diversification, Growth Tilt, Volatility, Cost Efficiency, Stability, and Concentration.
How would your portfolio survive a market crash? Our stress tests simulate your portfolio's performance during the 2008 Financial Crisis, COVID-19 March 2020 crash, and 2022 Bear Market — showing estimated drawdown percentages and recovery times.
Calculate your Financial Independence, Retire Early (FIRE) number based on your annual expenses and safe withdrawal rate. See your progress percentage, years to FIRE under multiple scenarios, Coast FIRE value, and Barista FIRE income gap — all powered by 10,000 Monte Carlo simulations.
Portfolio analysis is the process of evaluating your investment holdings to understand how your money is actually distributed across assets, sectors, and geographies. For everyday investors building wealth through ETFs and index funds, this goes far beyond simply knowing which tickers you own. Modern Portfolio Theory, introduced by Harry Markowitz in 1952, showed that the key to optimal investing is not picking the best individual assets, but constructing a portfolio where the combination of holdings delivers the best risk-adjusted return. A proper portfolio analysis examines your true underlying exposure — what we call ETF look-through analysis. When you own an ETF like VWCE or VT, you actually hold thousands of individual stocks. Without look-through analysis, you might not realize that your seemingly diversified portfolio is heavily concentrated in a handful of mega-cap tech companies. Understanding what is inside your ETFs is crucial for avoiding hidden concentration risk. Our free portfolio analyzer performs this look-through automatically, revealing the actual stocks, sectors, and countries that make up your portfolio. This gives you the same institutional-grade insight that professional fund managers use, helping you make informed decisions about rebalancing and new investments.
Risk metrics help you evaluate whether your portfolio is delivering adequate returns for the level of risk you are taking. The Sharpe Ratio, developed by Nobel laureate William Sharpe, measures risk-adjusted return by comparing your portfolio's excess return (above the risk-free rate) to its volatility. A Sharpe Ratio above 1.0 is generally considered good, and above 2.0 is excellent. The Sortino Ratio is a refinement that only considers downside volatility — the bad kind of risk. This makes it more relevant for investors who are primarily concerned about losses rather than overall price swings, since upside volatility is actually welcome. Maximum Drawdown measures the worst peak-to-trough decline your portfolio has experienced, showing how much you could have lost if you invested at the worst possible time. A portfolio with a 40% maximum drawdown means it once fell 40% from its highest point before recovering. Beta measures how sensitive your portfolio is to overall market movements. A Beta of 1.0 means your portfolio moves in lockstep with the market. Below 1.0 indicates lower volatility than the market, while above 1.0 means amplified movements. Together, these metrics paint a comprehensive picture of your portfolio's risk profile and help you decide whether adjustments are needed.
Geographic diversification means spreading your investments across multiple countries and regions to reduce the risk that any single economy's downturn devastates your portfolio. Many investors suffer from home country bias — the tendency to overweight domestic stocks simply because they feel familiar. A German investor holding mostly DAX stocks or an American with 100% S&P 500 exposure is making a concentrated bet on one economy. What surprises many investors is that popular "global" ETFs are often not as diversified as they appear. A typical MSCI World ETF allocates over 60% to US stocks, with significant concentration in a handful of technology companies. While the US market has outperformed in recent years, historical data shows that market leadership rotates between regions over decades. Japanese stocks dominated the 1980s, European markets led in certain periods, and emerging markets have delivered the highest returns in others. True geographic diversification requires understanding your actual country-level exposure, not just the label on your ETF. Our portfolio analyzer breaks down your holdings by country and region, revealing whether your portfolio is truly global or secretly concentrated. This analysis helps you make intentional allocation decisions — whether you want to maintain a US tilt or balance your exposure across North America, Europe, Asia-Pacific, and emerging markets. Combining geographic diversification with our FIRE Planner tool at /free-fire-planner can help you build a resilient portfolio for long-term financial independence.
Monte Carlo simulations are a powerful statistical technique used to model the uncertainty inherent in investment returns. Instead of assuming your portfolio will grow at a fixed annual rate — say 7% per year — a Monte Carlo simulation runs thousands of possible future scenarios, each using randomly sampled returns drawn from historical distributions. Some scenarios model bull markets, others severe recessions, and most fall somewhere in between. This approach is far more realistic than simple linear projections because it captures the randomness and volatility that define real-world investing. A straight-line projection might tell you that you will reach your retirement goal in 15 years, but a Monte Carlo simulation reveals that there is perhaps a 75% chance of reaching it within that timeframe, a 50% chance of reaching it in 12 years, and a 10% chance of not reaching it for 20 years or more. Professional financial advisors have used Monte Carlo methods for decades, but the computational tools were traditionally expensive and inaccessible to individual investors. Our portfolio analyzer runs 10,000 Monte Carlo simulations for free, giving you probability distributions for your portfolio's future value under optimistic, realistic, and pessimistic scenarios. Combined with our FIRE calculator available at /free-fire-planner, you can stress-test your retirement plan against thousands of possible market conditions — the same methodology used by pension funds and wealth management firms, now available to everyone at no cost.