Overlap Detection
See every stock that appears in two or more of your ETFs, which funds hold it, and the combined share of your portfolio it quietly represents.
Premium feature
See What's Really Inside Your ETFs
X-ray your whole ETF portfolio at once: which stocks appear in several funds, how big your true bet on each company is, and how your money splits across sectors and regions, so you can diversify with confidence.
Cancel anytime · Basic portfolio tracking is always free
ETF overlap
VTI3,541 holdings
82%overlap
VOO503 holdings
🇺🇸United States 62%
🇪🇺Europe 18%
🌏Asia Pacific 14%
·Other 6%
Not ready for Premium? Try the free ETF overlap tool to compare two of the most popular ETFs, like VOO and VTI, instantly and with no signup.
What you get
Deep ETF intelligence for your portfolio
Look past the ticker and see what you actually own.
Geographic Exposure
See where your money is really invested. Break down your ETFs by country and region to understand your true international diversification.
Sector Allocation
Understand your sector concentration across all ETFs, with a heatmap showing how each fund tilts. See if you are overweight technology or underweight healthcare.
True Concentration
A ranked list of the companies you are most exposed to across direct holdings and ETFs combined. See if Apple or Microsoft quietly represents too large a share.
Concentration Flags
Any single company above 5% of your portfolio is flagged, and above 10% is marked as high concentration, so oversized bets stand out immediately.
Hidden Overlap Warnings
Own a stock directly and also through an ETF? The X-ray warns you when your ETFs already contain companies you hold outright.
How it works
From a list of funds to a clear x-ray
Enter your ETFs and the analysis assembles itself.
1
Add your ETFs
Enter the ETFs you hold in your portfolio. The system automatically fetches their underlying holdings data.
2
View breakdown
See geographic, sector and top-holdings analysis for each ETF and your portfolio as a whole.
3
Review overlaps
See which stocks sit in several of your ETFs at once, and what your combined exposure to each one really is.
4
Optimize
Use the insights to reduce redundancy, improve diversification and build a more balanced portfolio.
Under the hood
What does an ETF overlap checker actually show?
Three numbers turn a vague feeling of "these funds seem similar" into something you can act on.
Effective exposure
Fund weight times portfolio weight. If an ETF makes up 40% of your portfolio and holds 7% Apple, that position alone contributes 2.8 percentage points of Apple exposure. The X-ray sums this across every fund you own.
Stocks in two or more funds
Every company that appears in at least two of your ETFs is listed with the funds that hold it and its combined effective exposure, sorted so your biggest duplicated bets come first.
Direct plus ETF exposure
If you hold a stock outright and your ETFs hold it too, both sides are added together. Your true single-name bets are often bigger than your holdings list suggests.
Why not by hand?
ETF overlap checker vs comparing factsheets yourself
You can look up fund holdings manually. Here is what that costs you.
Factsheets and spreadsheets
Download each fund’s holdings, paste them into a spreadsheet, match tickers across files, weight every line by your position sizes, then redo it all when the funds rebalance. Hours of work, and one stale factsheet quietly breaks the math.
The portfolio X-ray
Holdings data is fetched and refreshed for you, weights are multiplied through automatically, and overlaps, concentration flags, sector and region breakdowns update as your portfolio changes. The analysis is always about the portfolio you hold today.
Who it's for
Built for serious diversifiers
Multi-ETF Investors
Own several ETFs? Discover how much overlap exists between them and whether you are as diversified as you think.
Global Diversifiers
Verify that your international ETFs actually give you the geographic spread you expect, country by country.
Risk-Conscious Investors
Understand your sector and geographic concentration. Avoid being overexposed to a single region or industry.
Portfolio Rebalancers
Deciding which of your funds to keep or trim? See which ones duplicate each other and which genuinely add diversification.
Is it safe to enter my portfolio?
Yes. There is no bank or broker connection: you add holdings yourself or import a CSV file, and signup needs only an email address and a password. Your portfolio is stored under your account and protected by row-level security, so only you can read it, and you can delete your account and its data yourself at any time.
Part of Premium
One subscription, the whole picture
ETF analysis is included with Premium - alongside daily snapshots, unlimited history, dividend analysis and the Paycheck Advisor. One plan covers your entire portfolio.
Frequently asked questions
What is an ETF overlap checker?+
An ETF overlap checker looks through your ETFs to their underlying holdings and identifies the stocks they have in common. Instead of comparing two funds in isolation, this one X-rays your whole portfolio at once: every stock held by two or more of your ETFs is listed with the funds that hold it and your combined exposure to it.
How is ETF overlap calculated?+
Each ETF’s holdings are weighted by how much of your portfolio that fund represents. A stock’s effective exposure through one fund is its weight in the fund times the fund’s weight in your portfolio; the checker sums that across all your ETFs. Stocks that appear in two or more funds and add up to at least 1% of your portfolio are listed as overlaps.
How much ETF overlap is too much?+
There is no universal rule: two S&P 500 funds overlapping heavily is expected, while a world fund and a tech fund overlapping heavily means a bigger sector bet than intended. What matters is the resulting concentration, so the X-ray flags any single company above 5% of your portfolio and marks anything above 10% as high concentration.
Does it catch stocks I hold directly and also own through an ETF?+
Yes. The analysis adds your direct positions and your look-through ETF exposure together, and warns you separately when a stock you hold outright also sits inside one of your ETFs. That is the overlap most investors never notice.
How does geographic exposure analysis work?+
Geographic analysis breaks down your ETF holdings by country and region. It shows what percentage of your portfolio is invested in each geography, helping you understand your true international diversification.
What about sector allocation?+
Sector analysis aggregates all your ETF holdings by industry sector: technology, healthcare, financials, energy and more. A heatmap shows how each of your funds tilts, and an overall view reveals your true sector concentration across all funds combined.
Is ETF analysis included in the free plan?+
ETF analysis is a Premium feature. You can try it free for 7 days on any Premium plan. Basic portfolio tracking, including all free calculators, is always free.
What ETFs are supported?+
ETFs from major providers on US, European, Asian and other markets are covered. For each fund the system stores its top holdings with weight, sector and country, sourced from official provider data. Where holdings data is not yet available for a fund, it is queued and fetched automatically.
How often is holdings data updated?+
Each ETF’s holdings, sector allocation and country breakdown are refreshed on a roughly monthly cycle. ETF constituents change slowly, so a monthly cadence keeps the analysis accurate; the as-of date of the data is stored with each fund.
Do I need to connect my broker to check ETF overlap?+
No. There is no bank or broker connection at all. You enter your positions manually or import them from a CSV or Excel file, and the X-ray works from those holdings. That also means the tool works with any broker, or several at once.
Ready to see inside your ETFs?
Discover what you really own - overlap, regions, sectors and more.
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ETF holdings, overlap and exposure figures shown are illustrative. ETF analysis is part of Premium. Holdings data is provided for informational purposes and is not financial advice.