People often use the words luck and fortune interchangeably, but that doesn't mean they mean the same thing. Both of these things can be thought of as chance, which is a force that affects people's lives for better or worse. Still, you could say that luck is more about chance and fortune is more about an outside force, like divine intervention. Also, most people think that luck can be both good and bad, while fortune always means something good will happen.
So, the main difference between luck and fortune is that luck is usually seen as something that happens by chance, while fortune is usually seen as something that happens because of something outside of yourself. Most of the time, though, these two words can be used in place of each other.
How to Use the Word "Luck"
Luck is success or failure that seems to happen by chance rather than because of what someone does. When a random event turns out well for a person, that person is said to be lucky. Sometimes, the word "luck" is used the same way as "chance." Luck can be either an adjective or a noun (informal). It is thought that the English word luck came from the Middle Low German word lucke. The examples of how this word is used in English are given below.
If you see a black cat on a Friday, it's bad luck.
The person who wears this medallion is said to have good luck.
I hope that the same luck that helped you win this money will also help you keep it.
Jerry got this job by chance.
How to Use the Word "Fortune"
Fortune comes from the Latin word for the goddess of chance, Fortuna. The Oxford Dictionary says that "fortune" means "chance or luck as a random force that affects people's lives." But we usually think of luck as something outside of ourselves, like divine help or other supernatural powers. Sometimes you can use fortune instead of luck. Also, fortune is thought to be a more formal word than luck. So, when you are using formal language, it is best to use fortune.

The brave get what they want.
A bad turn of events kept the young lovers from being together.
Even when fortune is used as a synonym for luck, it always means a good thing that happened because of a chance. Words like misfortune, ill fortune refers to bad luck.
Fortune is also used to mean prosperity and wealth. It can mean a lot of money or other things. It can also mean the long-term success or failure of a person or a business.