# Morningstar Portfolio Manager Alternatives (2026): Where to Go After X-Ray

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> Morningstar retired Portfolio Manager and X-Ray in 2025. An honest map of the alternatives — what each tool replaces, what nothing replaces, and how to move your data.
- Author: Paweł
- Published: 2026-08-06
- Category: Comparisons

Morningstar's Portfolio Manager was quietly one of the most-used free portfolio tools on the internet, and its Instant X-Ray was the reason many people kept a Morningstar bookmark at all. Both are gone: Morningstar [stopped offering the old tools in April 2025](https://global.morningstar.com/en-gb/updates/upcoming-changes-our-membership-offerings-tools-features) and moved to a new site experience that June, leaving old portfolios read-only. Forum threads on Bogleheads and MoneySavingExpert are still asking the same question months later: what now?

The honest answer, before any list: **no free tool replicates the full X-Ray.** Portfolio Manager did two different jobs, and the alternatives split along that line. Work out which job you actually used, and the choice gets much easier.

## Job one: tracking your portfolio's performance

If you mainly used Portfolio Manager to record holdings and watch performance, you have good options — most of them better at this than Morningstar ever was, because it's their whole product.

- **[Sharesight](/investing-apps/sharesight)** is the closest like-for-like for a buy-and-hold investor: automatic trade imports from 200+ brokers, dividend tracking baked into returns, and tax reporting. The free tier is small (one portfolio, ten holdings), so realistically it's a paid tool.
- **[PortfolioGlance](/investing-apps/portfolioglance)** — our tool, so read this knowing that — is free at the core: add holdings manually or import a broker CSV, and you get proper time-weighted and money-weighted returns, dividend tracking, benchmarking and an AI read on your allocation. No broker linking, which you'll either see as a feature or a chore.
- **[Portfolio Performance](/investing-apps/portfolio-performance)** is the power-user pick: free, open source, desktop-only, with the strictest return methodology of the three. Nothing leaves your machine. Expect a learning curve.
- **[getquin](/investing-apps/getquin)** suits you if what you actually want is automatic bank/broker syncing and a community — the trade-off is exactly that account linking.

## Job two: X-Ray's look-through analysis

X-Ray's party trick was looking *through* your funds: true asset allocation, region and sector weights, and stock overlap across ETFs. This is the part with no free heir, because fund-holdings data is expensive to license.

What exists today: **Portfolio Visualizer** does fund-level analysis on model portfolios, with much of it now behind a subscription. Some brokers offer an X-Ray-style view for accounts held with them (Interactive Investor and Fidelity get named in the forums). And portfolio trackers, ours included, analyse allocation at the *holding* level — PortfolioGlance's health score covers concentration, allocation drift and diversification on what you actually own, but it does not open up your ETFs and count the Apple inside. Anyone who tells you their free tool fully replaces X-Ray is selling something.

## Moving your data out

Morningstar made holdings and transaction downloads available from August 2025 — export those CSVs while the read-only portfolios are still accessible. Every tracker above accepts CSV imports; in PortfolioGlance the import wizard maps unfamiliar column layouts, so a Morningstar export doesn't need hand-editing first.

## How to choose

- **You tracked performance and dividends:** Sharesight if you'll pay for automation, PortfolioGlance if you want free and don't mind imports, Portfolio Performance if you want everything local.
- **You lived in X-Ray:** Portfolio Visualizer for model-portfolio analysis, or accept holding-level allocation analysis from a tracker.
- **You want the least migration effort:** whichever tool imports your Morningstar CSV cleanly — test with a small file before committing.

PortfolioGlance is free to start: import your Morningstar export or add holdings manually, and get real return maths plus an honest health check on your allocation. No account linking, no card.

For the full side-by-side comparisons — including where each of these tools beats us — browse the [investing apps directory](/investing-apps).