# Portfolio Charts

Any asset allocation, charted since 1970 in twelve countries' currencies and inflation.

*https://stockmarketstack.com/tools/portfolio-charts · Retirement & FIRE Calculators*

## Facts

### At a glance

| Field | Value |
| --- | --- |
| Vendor | Portfolio Charts |
| Category | Retirement & FIRE Calculators |
| Job | allocation |
| Website | https://portfoliocharts.com |
| Pricing model | subscription |
| Free tier | true |
| Open source | false |
| Licence | none |
| Self-hosted | false |
| Tested hands-on | false |
| Last updated | 2026-09-14 |

### Pricing

| Tier | USD | Period |
| --- | --- | --- |
| Free | 0 USD | month |
| Patron of the Charts | 5 USD | month |

### Coverage

| Field | Value |
| --- | --- |
| Asset classes | stocks, etf, bonds, commodities, real_estate |
| Markets | us, ca, uk, eu, au, asia |
| Works outside the US | true |
| Data latency | none |
| Platforms | web |
| AI features | none |

### Interfaces

| Field | Value |
| --- | --- |
| API | false |
| Webhooks | false |
| Scripting | none |
| Python | false |
| Spreadsheet add-in | false |
| MCP server | false |
| Export | none |

### Capabilities

Yes: backtesting

No: charting, screening, scanning, automation, live_trading, paper_trading, portfolio_tracking, broker_import, tax_reporting, alerts, news, options_analysis

*Verified: pricing 2026-09-13; capabilities 2026-09-13; coverage 2026-09-13.*

## What it is

Portfolio Charts takes an asset allocation — stocks by size and style, treasuries by maturity,
REITs, gold and commodities, each domestic or ex-domestic — and draws sixteen charts of how that
mix behaved from 1970 to the end of 2025. You type the percentages into the page; there is no
account and no ticker, because the site models index asset classes rather than funds.

The chart set is the product, and each answers a different question. Drawdowns maps every real
loss and how many years it took to recover. Long Term Returns and Rolling Returns show the whole
spread of outcomes by holding period rather than an average. Heat Map gives the real CAGR for
every combination of start year and years held. Withdrawal Rates reports the rate that survived
every 30-year retirement in the data; Savings Rates and Financial Independence run the
accumulation half. Global Explorer ranks every combination of up to nine asset classes by its
worst case across all twelve countries at once. None of it is a simulation — every number is an
outcome that actually occurred.

It is one person's work, published under the pen name Tyler through Portfolio Charts, LLC in
Texas. The methodology is documented page by page and the charts were rebuilt out of Excel into
real code in March 2026 — but there is nobody to escalate to. Liveness is not the risk it usually
is with a solo site: the last article is dated 2 September 2026 and the terms were revised on
11 September 2026.

## Pricing

Every chart page is free and account-free, and the site carries no ads and no affiliate links —
its terms say so explicitly. A membership, Patron of the Charts, is $5 a month as a floor rather
than a fixed price, with a 7-day trial. It buys the Toolkit, $5 of monthly shop credit and a
Discord role. Merchandise runs $13.99 to $39.99.

One caveat: the site's FAQ still says everything is free with no subscription required, which is
true of the charts and not of the Toolkit.

## Data & coverage

Annual, inflation-adjusted total returns, 1970 through 2025, refreshed once a year in early
January. Twelve home countries are supported and the choice switches the currency, the inflation
series, the ETF suggestions and the domestic/international framing of the standard portfolios.

The series are assembled by hand in a documented priority order — index data, then fund annual
reports with the expense ratio refunded, then academic sources, then substitutes where nothing
exists, mostly non-US small and value stocks before 1975. Calculations assume annual rebalancing
and reinvested dividends; taxes and fund fees are excluded and remain the reader's problem.

## Integrations

There is no public API, and the site says so on its own Guide for AI Assistants page. What it
offers instead is URLs and HTML. `?pk=` and `?home=` deep-link any standard portfolio, or a
single asset class, into any chart for any of the twelve countries, and a chart footer's Link
button mints a short hash encoding a custom allocation — reusable on any chart page, impossible
to construct. The citable numbers are server-rendered tables: every portfolio page carries all
twelve countries, eight of the sixteen chart pages carry per-portfolio tables under stable
anchors, and asset pages list each fund's ticker, ISIN, provider, index and expense ratio. The
charts themselves are drawn in the browser and are not in the HTML at all.

Data goes in one way only — a member typing an asset's annual returns into the Toolkit, which
converts the currency and backfills missing years from a similar asset. The Excel workbook and
Google Sheet older pages point at are gone.

## Limitations

- **Annual data.** Drawdowns are measured on year-end values, so they read milder than the
  monthly or daily figures other backtesters report — the site says so itself and suggests
  supplementing it for absolute worst-case numbers.
- **1970 is the start.** No 1929, no 1966 peak, 56 years of scenarios rather than 150.
- **Asset classes, not securities.** You cannot test a fund, a stock or anything outside the
  site's buckets.
- **No export and no API.** A chart saves as an image or a link, never as data, and the terms
  forbid redistributing or reverse engineering it. Image reuse is allowed non-commercially with
  credit.
- **No tracking.** It knows nothing about what you hold, contribute or withdraw in reality.
- **Twelve countries is not the world.** No emerging market is available as a home country.

## Alternatives

[Portfolio Visualizer](https://stockmarketstack.com/tools/portfolio-visualizer) works from tickers on monthly data, which suits anyone testing a specific
fund, but is built around US investors. [cFIREsim](https://stockmarketstack.com/tools/cfiresim) and FIREcalc answer the withdrawal-rate question
on US data alone. Come here instead for a non-US home currency, or for the full range of
historical outcomes rather than a simulated distribution.

## FAQ

### Is Portfolio Charts free?

The sixteen chart pages are free and need no account. A membership called Patron of the Charts starts at $5 a month and buys the Toolkit — all charts in one interface, saved portfolios and custom asset uploads — plus a $5 monthly shop credit and a Discord role. There is a 7-day trial.

### Which countries can Portfolio Charts model?

Twelve, each with its own currency and inflation history — Australia, Canada, France, Germany, Italy, Japan, the Netherlands, Spain, Sweden, Switzerland, the United Kingdom and the United States. Changing the home country also changes the suggested ETFs and the domestic/international split inside the standard portfolios.

### How far back does the data go and how current is it?

Inflation-adjusted annual returns from 1970 through the end of 2025, refreshed once a year in early January. The 2025 numbers landed on 13 January 2026, described as preliminary until the government sources finalised about a month later.

### Can I backtest a specific fund by ticker?

No. The site models index asset classes rather than tickers, which is what lets the histories reach back to 1970. The Assets page has a ticker and ISIN search that tells you which asset class a fund belongs to, and you allocate to that.

## Also worth comparing

- [Portfolio Visualizer](https://stockmarketstack.com/tools/portfolio-visualizer.md) — Backtest an asset mix to 1972, run Monte Carlo, regress it on Fama-French factors.
- [PortfoliosLab](https://stockmarketstack.com/tools/portfolioslab.md) — Backtest an allocation on real fund prices and optimise it seven ways.
- [testfolio](https://stockmarketstack.com/tools/testfolio.md) — Backtest an allocation on daily data to 1885, using simulated pre-inception fund series.
- [Backtest by Curvo](https://stockmarketstack.com/tools/curvo.md) — Backtest a portfolio of European UCITS funds on index data reaching back to 1970.
- [Boldin](https://stockmarketstack.com/tools/boldin.md) — A year-by-year US retirement model — accounts, taxes, Social Security, Medicare, housing.
- [FIREproof](https://stockmarketstack.com/tools/fireproof.md) — The cFIREsim author's second simulator, with the taxes and accounts the first one lacks.

## Named as a replacement for

- [Portfolio Visualizer](https://stockmarketstack.com/alternatives/portfolio-visualizer.md)