Free stock portfolio optimizer

Paste your holdings. It opens your funds to show what you hold twice, prices their fees for the year, and splits your next deposit toward the mix you choose.

no account
nothing saved
buys only, never sells

sample book · paste yours over it6 lines read

A CSV with symbol, quantity and price, or rows copied from a broker statement. Read as you type.

This is the sample. Paste your own rows: nothing is saved.

overlapshare of your money

What you hold twice

NVDA is 21.8% of your money, held 4 ways: directly, VOO, QQQ, VTI.

NVDA21.8%4 ways
AAPL15.3%4 ways
MSFT3.6%3 ways
GOOGL3.5%3 ways
AMZN2.4%3 ways
META1.6%3 ways

VOO and VTI: 89.0% the same by weight

fees$21 a year

What your funds cost

Your funds charge $21 a year, 0.07% on average. Left as they are and growing 7% a year, that is $419 over ten years.

QQQ0.18%$13 a year
VOO0.03%$4 a year
SCHD0.06%$2 a year
VTI0.03%$2 a year

Price one fund over 30 years →

next depositbuys only · nothing sold

Where your next deposit goes

If I invest

Target mix

Funds 80% · Stocks 20%

I would buy

VOOFunds$192≈ 0.3 sh
VTIFunds$128≈ 0.4 sh
QQQFunds$115≈ 0.2 sh
SCHDFunds$65≈ 2.4 sh

Distance from your target: 7.4 → 7.1 points.

Three reads from typed rows. The terminal keeps them current.Import the same holdings and these numbers follow live prices every day, next to risk, dividends and a morning briefing.See it on a sample portfolio Import it, free

How it works

Overlapissuer files, then Yahoo: Each fund is opened with its full holdings file when we have one (82 funds, from issuers and SEC N-PORT filings), else its ten largest lines. Your money in each company is added up across every route.
Feesexpense ratio × value: The published expense ratio of each fund, times what you hold in it. Ten years assume 7% a year before fees, compounded.
Next depositfurthest behind first: The class furthest under its target gets the money first, then the rest follows the target. Inside a class, each holding gets money in proportion to its size; a class you do not hold yet becomes a new line.

What it leaves out

Values come from the quantity and price in your rows, not from today’s market, and in the currency you typed them in.

It never sells, never times the market and never picks a stock: the only buys come from the target you set. Taxes, risk and your goals are yours to weigh — this is a calculator, not advice.

Questions

What does a stock portfolio optimizer do?

This one measures what you already hold against what you meant to hold. It opens your ETFs to the companies inside and adds up your money in each, prices every fund fee for the year, and splits your next deposit to bring your mix of funds, stocks and crypto back toward the target you choose.

Is it a mean-variance (Markowitz) optimizer?

No. A mean-variance optimizer picks weights from past returns and volatility, and small changes in those inputs swing the answer a lot. This page works from the mix you decide on and only says how to reach it with new money, so its answer does not depend on a forecast.

Does it tell me what to buy?

Only from your own target. Choose a mix and an amount, and it lists the holdings that get the money, the class furthest behind first. It never suggests a stock you do not own, never sells, and gives no ratings or tips.

Is my data saved?

No. The rows are read in your browser; the symbols and amounts are sent to open the funds and come back as a result. Nothing is stored and no account is needed.

Which funds can it open?

Any ETF or mutual fund Yahoo Finance covers. For 82 funds, US and UCITS, it reads every line: the issuer’s full holdings file, or the fund’s SEC N-PORT filing. For the rest it reads the ten largest holdings.

A calculator on your own target. Not investment advice.