Your 401K probably has hidden fund overlap. FundAlign analyzes your actual holdings, shows where you're doubling up, and builds an optimal allocation. AI chat answers questions about your specific portfolio. $1.99 per analysis, no subscription.
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Maker
📌
Hi Product Hunt! 👋
I'm John — working toward my CMT Level III while building FundAlign on the side.
Origin story: I was reviewing my own 401K and realized 85% of my "diversified" portfolio was really just the S&P 500 under different fund names. VTSAX, VFIAX, FXAIX — all holding the same 500 stocks.
Most 401K platforms show fund names and expense ratios, but never what's actually inside. So I built FundAlign.
What it does:
🔍 Analyzes actual holdings of every fund in your plan (including institutional CITs that break most tools)
📊 Shows pairwise overlap matrix — red = bad, green = diversified
🧠 AI retirement advisor chat that knows YOUR specific analysis
⚡ Explains every allocation weight ("VTSAX at 45% because...")
🚫 Tells you which funds got excluded and why
📱 PWA enabled — install to your phone's home screen, no App Store
💰 Pay-per-analysis: $1.99 each, $7.99 for 5, $4.99 for day pass
🚫 No subscription — you don't review your 401K weekly
Why pay-per-analysis?
Because that's how people actually use this. Honest pricing matching honest usage.
What I'd love feedback on:
The two-mode workflow (Check current vs. Build optimal) — does it make sense?
The AI chat — actually helpful or gimmicky?
Pricing — is $1.99 right for a one-off analysis?
Also building out an advisor version — if you're an RIA or CFP, there's an early access waitlist at fundalign.ai/for-advisors.
Thanks for checking it out! Questions welcome.
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FundAlign found me a mutual fund with a lower expense ratio. Probably saved me several thousands. Worth the $2bucks”
FundAlign found me a mutual fund with a lower expense ratio. Probably saved me several thousands. Worth the $2bucks”