Free stock portfolio optimizer

Add what you own. It looks inside 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 portfolio

6 holdings · $50,361

VOOVanguard S&P 500 ETF$13,868
QQQInvesco QQQ Trust$8,159
VTIVanguard Total Stock Market ETF$9,278
NVDANVIDIA$6,514
AAPLApple$7,125
SCHDSchwab US Dividend Equity ETF$5,418

A sample portfolio. Add what you own and it makes way for yours: nothing is saved.

what you hold twice

share of your money

AAPL is 18.7% of your money, held 4 ways: direct, VOO, QQQ, VTI.

AAPL18.7%direct, VOO, QQQ, VTI
NVDA17.9%direct, VOO, QQQ, VTI
MSFT3.6%VOO, QQQ, VTI
GOOGL3.4%VOO, QQQ, VTI
AMZN2.3%VOO, QQQ, VTI
META1.6%VOO, QQQ, VTI

VOO and VTI: 89.0% the same by weight

what your funds cost

$25 a year

Your funds charge $25 a year, 0.07% on average. Left as they are and growing 7% a year, that is $488 over ten years.

QQQInvesco QQQ Trust0.18%$15 a year
VOOVanguard S&P 500 ETF0.03%$4 a year
SCHDSchwab U.S. Dividend Equity ETF0.06%$3 a year
VTIVanguard Morningstar Total Stock Market ETF0.03%$3 a year

Price one fund over 30 years →

where your next deposit goes

buys only · nothing sold

If I invest

Target mix

Funds 80% · Stocks 20%

I would buy

VOOFunds≈ 0.3 sh$189
VTIFunds≈ 0.3 sh$126
QQQFunds≈ 0.2 sh$111
SCHDFunds≈ 2.0 sh$74

Distance from your target: 7.1 → 6.8 points.

Three reads from a few lines. The terminal keeps them current.Or bring the whole account: a screenshot or a file from your broker is enough, and these numbers follow live prices every day, next to risk, dividends and a morning briefing.See it on a sample portfolio Import my portfolio

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

Each line is valued at its latest market price, restated in dollars at the day’s rate; a line the market does not know keeps the price pasted with it, or is left out and named. Without share counts the book is read in equal parts, and no money figure is given.

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. Your lines stay in your browser; the symbols and amounts are sent to price them and open the funds, and come back as a result. Nothing is stored and no account is needed. “Save as my portfolio” opens the import with the same lines, where you review them before anything is kept.

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.