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FinClaro

Free ETF Portfolio Backtester for US & UCITS Funds

Test US-listed and European UCITS portfolios with historical price data. Build allocations from 249 ETF entries, compare up to 5 strategies, and analyze risk and return side by side.

🗂️249ETFs with price history📊5portfolios to compare🧩15ETFs per portfolio📅20+years of data
💡How to use this tool
1

Build your portfolio

Click "Add ETF" to browse 249 ETF entries with price history by category or search by ticker. Set the weight (%) for each.

2

Set parameters

Choose initial amount, monthly contributions, date range, and rebalancing frequency.

3

Compare & analyze

Add more portfolios to compare. Results update live with CAGR, drawdowns, and yearly returns.

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What did a 40% bond allocation change?

We put USD 10,000 into each allocation at the December 2021 close, with no later contributions. The mixed portfolio returned to its 60/40 weights each December. Both portfolios were measured through the September 2026 close.

What did a 40% bond allocation change?
InvestmentFinal value (USD)CAGRMax drawdown (month-end)
100% VOO17,15812.0%-23.9% (2022-09)
60% VOO / 40% BND13,8177.0%-20.1% (2022-09)

In 2022, VOO lost 18.2% and the mixed portfolio lost 16.1%. Bonds reduced the loss in this example even though BND also fell. Across the full period, the 60/40 mix reduced the deepest monthly drawdown by 3.8 percentage points and ended with about USD 3,341 less. Try an earlier start or a different rebalancing frequency to see which parts of that result depend on the settings.

Source: monthly Yahoo Finance adjusted closes. Dividends are reinvested. Values are nominal USD before brokerage costs and taxes. Drawdown is measured from a prior monthly closing peak, so losses within a month can be larger.

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💬 ETF Backtester Frequently Asked Questions

An ETF portfolio backtester simulates how an allocation would have performed using real historical price data. You define the ETF weights, and the tool calculates returns, drawdowns, volatility, and other risk metrics over the selected period.
Yes. FinClaro includes 249 US-listed and European UCITS entries with historical price coverage across equities, fixed income, commodities, and REITs. Each portfolio can contain up to 15 ETFs.
Yes. It is free and requires no signup. Historical calculations use Yahoo Finance adjusted close prices.
Yes. Adjusted close prices account for dividends, stock splits, and other corporate actions. The simulation does not include transaction costs, taxes, or currency conversion.
Yes. You can set monthly contributions, choose a date range, and select a rebalancing frequency. With contributions the annualized return is shown as the money-weighted return (IRR), solved from the actual cash flows, alongside total value and drawdown.

This tool is for educational and informational purposes only. Past performance does not guarantee future results. Data sourced from Yahoo Finance (adjusted close prices). Does not include transaction costs, taxes, or currency conversion. Consult a qualified financial advisor before making investment decisions. FinClaro is not a registered investment advisor.