# Fund and portfolio comparator

> Free tools for investors who are tax residents in Spain: tax-efficient withdrawals from investment funds (FIFO), the income-tax saving of a pension plan contribution, and a fund and portfolio comparator.

Compare Spanish-market investment funds, ETFs and portfolios with detailed metrics.

- **Analysis mode**: one fund or portfolio in depth, optionally against a benchmark index (alpha, beta, correlation, R², tracking error).
- **Comparison mode**: several funds or portfolios side by side: cumulative return, CAGR, volatility, Sharpe and Sortino ratios, maximum drawdown, annual return heatmaps, correlation matrix and asset allocation.
- **Contribution mode**: a lump sum, or monthly contributions simulated with Spanish FIFO taxation, tax-free transfers between funds and broker fees on ETFs.
- **Share links**: a comparison is encoded entirely in its URL.

Volatility, Sharpe, Sortino and every cross-series statistic read weekly returns; CAGR and drawdown read daily prices. Past performance does not guarantee future results.

## Scope and limits

- Spain only: Spanish tax rules (IRPF), for Spanish tax residents.
- Informational, not financial or tax advice. Every result is an estimate.
- Not for: filing a tax return, any country other than Spain, or recommending specific products.

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Canonical page (Spanish): https://tools.sancho.vc/comparador. Site overview: https://tools.sancho.vc/llms.txt.