There are several good ways to see what your funds hold. Here is an honest feature-by-feature look at where each fits — including where Unwrap.Fund is the weaker choice.
| Feature | Unwrap.Fund this site | Morningstar Investor paid | StockAnalysis overlap tool | OverlapCheck | ETF Research Center | Sharesight exposure report | Mezzi X-Ray |
|---|---|---|---|---|---|---|---|
| Access & price | |||||||
| Free to use | $249/yr, 7-day trial | Free account; extras need Pro | No paid plan shown | Free basic tier | Paid plans only | Free plan lists X-ray | |
| No account needed | Saves in your browser | Top 5 overlaps only | Account-based plans | ||||
| Analysis | |||||||
| Whole portfolio (3+ funds) | Up to 8 funds | ETF mixes | Pairs; Portfolio Builder for more | ||||
| Funds and individual stocks together | Funds only | ETFs only | ETFs only; shows direct holdings | ||||
| Full holdings list, free | CSV of all holdings in the app | Free: top 20 per list | Top 5; full list with free login | Paid; up to 500 per ETF | |||
| Sector and country overlap | Sector weightings | Sector | Sector | Group by sector, country | |||
| Blended expense ratio | |||||||
| What-if trade simulator | |||||||
| Inputs & coverage | |||||||
| Enter dollar amounts | Percent only | Percent only | |||||
| Mutual funds | ETFs only | ||||||
| Non-U.S. funds | Vanguard/iShares Europe | ETFs listed in 6 markets | |||||
| Export | CSV | Pro only | Spreadsheet or PDF | ||||
| Beyond look-through | |||||||
| Brokerage account linking | Via third-party APIs | ||||||
| Performance tracking | |||||||
Compiled October 2026from each vendor's own public pages. A small dot means we couldn't confirm it from those pages — not that the feature is missing. Features and prices change. If anything here is out of date or unfair, email contact@unwrap.fundand we'll fix it promptly.
Funds, ETFs and individual stocks in dollars, true stock exposure, overlap, sector/country and fees, with what-if trades. Free, no account.
Trade-off: U.S.-registered funds only; quarterly data; no brokerage linking or performance tracking.
Brokerage linking, performance charting, X-Ray and Stock Intersection, plus Morningstar's own research.
Trade-off: Paid ($249/yr or $34.95/mo; 7-day trial). The free Instant X-Ray was retired in April 2025; X-Ray remains in this paid plan.
Overlap by weight, Venn diagram or matrix, sector and country overlap, and a combined-portfolio view with blended expense ratio.
Trade-off: Funds only (no individual stocks), percent-only inputs, and free accounts see the top 20 holdings per list.
Builds a mix of ETFs with sector breakdown, repeated exposure and a European overlap view built on Vanguard and iShares files. Saved mixes stay in your browser; no account or email needed.
Trade-off: ETF-only mixes entered as percentages (no individual stocks or dollar amounts). We couldn't confirm mutual-fund support or fee analysis.
Overlap by weight, shared-holding counts and sector drift for a pair of funds, plus a Portfolio Builder for more than two ETFs.
Trade-off: Without logging in you see only the top 5 overlapping holdings; the full list needs a free login.
Its Exposure Report shows ETF underlying holdings and overlap with your direct holdings, and you can group by sector or country.
Trade-off: The Exposure Report is on paid plans only, works for ETFs only (mutual funds appear as one holding), and shows up to 500 underlying holdings per ETF (50 on Starter).
Pulls positions from your financial institutions and surfaces stock exposures inside ETFs. Its pricing page lists X-ray risk analysis in a free plan; advice is on paid tiers.
Trade-off: Built around connecting your accounts. We couldn't confirm what X-ray shows beyond stock exposure, or whether it works without signing up.
Also out there: ETF Copilot (head-to-head ETF pages; we couldn't open its official site to verify features, so it's not in the table) and Portfolio Visualizer (its pages list factor and correlation tools, not holdings-level overlap).
We would rather you pick the right tool than the wrong one. Today, Unwrap.Fund does not:
Morningstar retired its free Instant X-Ray in April 2025. Read the X-Ray alternative guide, or try a pair directly: VOO vs VTI.
It depends on the job. For a whole-portfolio look-through that mixes funds and individual stocks, with dollar amounts and no account, Unwrap.Fund is built for that. For a quick fund-vs-fund check that also covers non-U.S. funds, StockAnalysis's Fund Holdings Overlap is a strong option. See the comparison above.
Pair checkers compare funds with each other. Unwrap.Fund also adds your individual stocks and dollar amounts to give one set of true holdings, so overlap between your funds and the stocks you own directly is included.
Not always. Unwrap.Fund starts from quarterly SEC N-PORT filings, so data can be a few months old, and adds fresher daily holdings from TickerInside as a secondary source for some ETFs. The as-of date is shown on every page. Tools built entirely on daily issuer files can be fresher across more ETFs.
Primary source: official SEC Form N-PORT filings. Secondary source: daily holdings from TickerInside (tickerinside.com) for some ETFs. The as-of date and source are shown on each page.
Paste your positions, get your true stock exposure, overlap, and fees in seconds.