I built a free Morningstar X-Ray replacement for European/US ETF investors

tags: fintech, python, api, opensource When Morningstar paywalled their Portfolio X-Ray tool in 2025 ($249/year), European investors got hit the hardest. Most alternatives are US-ticker-only. If you hold iShares, Vanguard, Xtrackers, or Synchrony funds with ISINs, your options were basically zero. So I built a free replacement: nwc-advisory.com/xray What it does Enter your fund ISINs and amounts (no login, no account). It fetches public factsheet data, decomposes each fund into underlying holdings, and shows 6 analysis views: Asset Allocation -- before and after look-through Geographic Exposure -- economic exposure, not fund domicile (your IE-domiciled S&P 500 ETF shows as US, not Ireland) Sector Breakdown -- GICS sectors across your entire portfolio Stock Overlap -- stocks appearing in 2+ funds, with fund similarity percentages Fee Analysis -- weighted TER vs cheapest passive alternative, with annual savings in your currency Top Holdings -- your 30 largest underlying positions Tech st