ETF & Fund Overlap Checker: See What Your Whole Portfolio Owns

Why overlap matters

Owning several funds feels diversified, but many popular funds hold the same large companies. An S&P 500 fund, a total market fund and a target-date fund in your 401(k) can all put a large share of your money into the same handful of stocks. This checker looks through every fund you hold, across all your accounts, and adds up what you actually own.

How to use it

Fastest: type the tickers, for example VTI VOO QQQ. Without amounts the tool assumes equal money in each fund and says so.
More precise: add amounts after each ticker, in dollars or percent: VTI 40000, VOO 25k, QQQ 10%.
From your broker: copy the positions table from your brokerage website and paste it. The tool picks out fund tickers and their dollar values and ignores everything else. Check the detected funds below the box.
Hold the same fund in two accounts? List it twice and the amounts are added together.

What the results show

Verdict: how many distinct funds your portfolio behaves like, which funds are near-duplicates, and your largest single company.
Overlap between each pair of funds, so you can see exactly where the doubling up happens.
What you actually own: your ten largest companies and issuers as a share of your whole portfolio, and which of your funds they come through.
Stocks, bonds and cash across everything you hold.

Limits to keep in mind

Holdings come from quarterly SEC reports and can be a few months old. Index funds change slowly; actively managed funds can change more.
The tool covers 400+ tickers: the most widely held ETFs, index mutual funds and target-date funds. Funds that are not covered are flagged, not guessed.
401(k) collective investment trusts without a public ticker are not covered yet. If your plan offers one, the closest match is usually the public index fund that tracks the same index.
Overlap is not automatically bad: some investors choose to tilt toward large US companies on purpose. The checker shows what you own; what to do about it is your call. This is educational information, not investment advice.

Frequently Asked Questions

What does "overlap" mean here?

For two funds, overlap is the share of each fund's money that sits in the same companies at the same weight: for every company both funds hold, take the smaller of the two weights, then add those up. Two funds tracking the same index come out near 100%; a stock fund and a bond fund come out near 0%.

What does "behaves like about 1.3 distinct funds" mean?

It condenses all the pairwise overlaps, weighted by how much money is in each fund, into one number. Four funds that hold completely different things behave like 4 funds. Four funds that hold the same companies behave like 1. Anything in between tells you how much of the portfolio is doubled up.

Where does the holdings data come from?

From the holdings reports funds file with the U.S. Securities and Exchange Commission (Form N-PORT). The public reports are quarterly and appear about two months after the date they describe, so every result shows the "holdings as of" date for each fund.

Why do two funds that track the same index show less than 100%?

Usually because their reports are from different dates. If one fund reported at the end of May and the other at the end of June, a month of price moves and index changes sits between them. Funds that are different share classes of the same fund (such as VTI and VTSAX) are recognised as the same fund.

Can I mix ETFs, mutual funds and target-date funds?

Yes. Target-date and balanced funds are broken down into the funds they hold and then into the underlying companies, so a 401(k) target-date fund can be compared directly with an ETF in your IRA.

Does it work with SPY, gold or bitcoin funds?

SPY is organised as a unit investment trust and does not file these holdings reports, so it is shown with S&P 500 index weights taken from IVV. Gold, silver and bitcoin trusts hold a single asset and are shown that way.

Is my portfolio stored or sent anywhere?

No. The calculation runs entirely in your browser. The only thing your browser downloads is the public holdings file for each fund you type. If you use "Copy link", your tickers and amounts are in that link, so share it only with people you want to see them.