FeeXray

FeeXray is a mobile + web AI-assisted investing companion that finds the fees you’re actually paying across ETFs, mutual funds, 401(k) options, and robo portfolios—then shows the long-term damage in plain dollars. Users link accounts (or upload statements), and the app parses holdings, expense ratios, advisory fees, wrap fees, and plan-level administrative costs. It flags overpriced funds, redundant overlaps, and “closet index” products, then suggests lower-cost, comparable alternatives available in the user’s brokerage or retirement plan lineup. The app does not pretend to beat the market; it focuses on the one lever most individuals can control: costs and unnecessary complexity. It produces a one-page action list (what to sell/exchange, what to buy, what to keep) and a projected 10–30 year savings estimate. Monetization is subscription with an optional one-time portfolio audit report.