NO AUM FEES
Flat $4.99, once. Never a percentage of your assets — the engine has no incentive to keep you invested in anything.
INDEPENDENT PORTFOLIO DIAGNOSTIC
Rate My Portfolio Free
No broker connection · Report deleted in up to 24h · Sample holdings are illustrative, not investment guidance
Find the risks your portfolio is hiding.
Upload a screenshot or paste your holdings. In about a minute, get an independent, evidence-led read of the risks that matter most.
WHY TRUST THE ENGINE
REAL DATA, NOT VIBES
Rules-based checks, fund expense-ratio data, and published research — with sources and limitations shown where they matter.
YOUR DATA STAYS YOURS
No broker login. Paste holdings or drop a screenshot; the generated report is deleted in up to 24 hours unless you save the unlocked report to an account.
WHAT THE ENGINE CHECKS
What Does a Portfolio Rating Analyze?
A useful portfolio rating looks past recent returns. It asks whether concentration, correlated holdings, overlapping funds, and recurring fees leave the portfolio more fragile or expensive than it appears.
This free portfolio grader can read a complete investment portfolio or a single holding across stocks, ETFs, mutual funds, and crypto. It identifies structural strengths and diversification gaps; it does not predict returns or decide what you should buy or sell.
Want the deeper, narrative version of this same diagnostic? The Portfolio Analysis tool walks through concentration risk, hidden fees, and correlation as a plain-English read, with a written Action Plan at the end.
Concentration Risk
POSITION WEIGHT · SECTOR EXPOSURE
We examine how much of the portfolio depends on a small number of holdings or sectors. Concentration is not automatically wrong, but it can make one outcome matter more than the fund count suggests. See the SEC's investor education on diversification at investor.gov.
Hidden Fees
EXPENSE RATIOS · LONG-TERM DRAG
Small recurring expense ratios compound over long holding periods. We estimate the weighted fund cost and translate percentage fees into a long-term illustration. The S&P SPIVA Scorecard provides evidence on active-fund performance relative to benchmarks.
Fake Diversification
LOOK THROUGH FUND WRAPPERS
Several ETFs can own many of the same underlying companies. Where holdings data is available, the X-ray identifies repeated exposure and clearly labels partial coverage as a lower-bound estimate.
Behavioral Patterns
PORTFOLIO-CONSTRUCTION SIGNALS
The mix of holdings can suggest patterns worth questioning, such as performance chasing, home bias, or theme stacking. These are educational prompts, not claims about your intent.
How the Portfolio Rating Works
Provide only the holdings you want reviewed. The engine structures the portfolio, runs its five-part diagnostic, and explains the strongest findings with the available evidence.
01
Add your holdings
Upload a screenshot or CSV, or paste a ticker-and-weight list. Stocks, ETFs, mutual funds, and crypto can be reviewed together.
02
Run the X-ray
The engine checks concentration, diversification and overlap, holding quality, fees, and portfolio-construction signals.
03
Read the evidence
See the first findings free. The optional full report adds the remaining analysis and an educational Action Plan.
What it does
Evaluates the submitted portfolio's current structure, quantifies identifiable costs and overlaps, and explains questions worth investigating.
What it does not do
It does not predict returns, access your brokerage, execute trades, or provide personalized recommendations to buy or sell a financial instrument.
Read our five-point methodology, including the framework, data limitations, and educational boundaries. Past performance does not guarantee future results.
// FULL REPORT
Your first findings are free. The complete five-part report costs $4.99 — once.
Unlock all five findings, the final prognosis, and an educational Action Plan. No subscription and no percentage-of-assets fee. The report is already written and unlocks immediately.
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RATE MY PORTFOLIO — FREE →Common Questions About Portfolio Rating
Can you rate this portfolio for me?
Yes. Upload a screenshot, paste your holdings, or import a CSV. The tool reviews concentration, diversification and fund overlap, holding quality, fees, and portfolio-construction signals. The first findings are free; the complete five-part report is optional.
How long does the portfolio rating take?
Most ratings take about a minute after you submit the holdings. No signup, credit card, or broker connection is required to see the initial findings.
Will it rate stocks, ETFs, mutual funds, and crypto?
Yes. You can submit those asset types together as one investment portfolio. Tickers, names, quantities, position values, or allocation percentages can help the engine understand the holdings.
Can I rate one investment instead of my whole portfolio?
Yes. You can submit a single holding, although diversification and portfolio-level findings become more useful when you provide the complete mix and its approximate weights.
What makes a useful portfolio rating?
A useful rating explains the evidence behind its findings and distinguishes known data from estimates. This diagnostic looks for structural risks and costs; it does not predict returns or treat one allocation threshold as suitable for every investor.
Is rating my portfolio really free?
The initial findings are free. The complete report, including all five findings and the educational Action Plan, is available for a flat one-time price shown before checkout. There is no subscription or percentage-of-assets fee.
How accurate is the AI portfolio rating?
The tool combines rules-based calculations, available fund and fee data, and AI-generated explanations. Accuracy depends on the holdings and weights supplied and on source-data coverage, so estimates and partial ETF coverage are labeled. It is educational analysis, not personalized financial advice.
What happens to my portfolio data?
You do not connect a brokerage account. The generated report is deleted in up to 24 hours unless you sign in; unlocked reports are then saved to your account until you delete them.