Portfolio Rebalancing Calculator
This portfolio rebalancing calculator works out the exact trades that bring your investments back to their target allocation. Enter what you hold today, set the percentage you want for each asset, and it instantly shows which positions to buy, which to sell, and by how much.
Over time, winning assets grow faster than the rest and your portfolio drifts away from its plan — a 60/40 mix can quietly become 70/30 and carry more risk than you intended. Rebalancing trims the overweight holdings and tops up the underweight ones to restore your chosen split. If you have new money to invest, the tool can route that cash toward the underweight assets so you rebalance with fewer sales.
How to Rebalance Your Portfolio
Pick a starting template
Choose a preset to fill the table fast: 60/40 for a classic stock-and-bond split, Three-Fund for US stocks, international stocks, and bonds, or All-Weather for a diversified all-conditions mix. You can also skip the presets and add assets from scratch.
Enter your holdings
For each row set the Asset name, its Current Value, and the Target % you want. Use Add Asset to track more positions or the remove button to drop one. Keep the Total Allocation at 100% for an accurate plan.
Add new cash (optional)
Have money to invest? Type it in the Additional Cash field. The calculator folds it into the plan and shows how to spread the new funds across underweight assets, which can reduce how much you need to sell.
Read the rebalance plan
See your Total Portfolio Value, the totals to buy and sell, and a per-asset trade list. Each asset shows its current versus target percentage with a Buy, Sell, or Hold action and the exact amount.
Features
Buy/Sell Trade Plan
Calculates the exact amount to buy or sell for every asset to bring your holdings back to their target allocation.
Preset Portfolio Templates
Start instantly with 60/40, Three-Fund, or All-Weather templates that pre-fill asset names, sample values, and target percentages.
Dynamic Asset Management
Add or remove positions to match your real portfolio, with no fixed limit on how many assets you can track.
Rebalance With New Cash
Enter additional cash and see how to direct it toward underweight assets, reducing the need to sell existing positions.
Allocation Validation
A live Total Allocation indicator confirms when your targets add up to 100% and flags them when they do not.
Portfolio Status Detection
A status badge tells you at a glance whether your portfolio is Balanced, needs a Rebalance, or has an invalid target total.
Trade Summary Totals
Headline cards roll up the total to buy, the total to sell, and the number of assets in your plan.
Current vs Target View
Each asset shows its current percentage next to its target percentage so you can see exactly where it has drifted.
Multi-Currency Support
Pick your currency and every input, result, and trade amount updates to match its symbol and number format.
Frequently Asked Questions
How often should I rebalance my portfolio?
Many investors rebalance on a calendar — quarterly, semi-annually, or annually — or whenever an asset drifts more than a set band from its target. The right cadence depends on your strategy, trading costs, and tax situation. This tool shows the trades for whatever moment you choose to check.
What is the 5% threshold rule for rebalancing?
Threshold (or band) rebalancing means you only act when an asset drifts beyond a chosen tolerance — a common one is 5 percentage points from target. Instead of a fixed date, you check the current versus target percentages here and rebalance whenever a position has wandered past your band.
How do I rebalance without selling, using new cash?
Enter the amount you plan to invest in the Additional Cash field. The calculator adds it to your total and directs it toward underweight assets, so you can move closer to target by buying rather than selling — which often means fewer transactions and less tax to worry about.
What if my target percentages don't add up to 100%?
The Total Allocation indicator turns invalid and the Status card shows your actual total against 100%. The tool still calculates trades from the numbers you entered, but the plan only reflects a complete portfolio when your targets sum to exactly 100%.
What do the Buy, Sell, and Hold labels mean?
Buy means add more of that asset to reach its target, Sell means trim it back, and Hold means it is already at or close to target, so no trade is needed. Each Buy and Sell row shows the exact amount in your selected currency.
Does rebalancing trigger taxes?
Selling appreciated assets in a taxable account can realize gains, so rebalancing may have tax consequences depending on where you hold your investments. Rebalancing inside tax-advantaged accounts or steering new cash to underweight positions can limit that. This tool is for planning only and is not tax advice — check your own rules or a professional.
Is my portfolio data stored anywhere?
No. Every calculation happens in your browser. Your portfolio values, target allocations, and trade plan are never sent to any server or saved externally.
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