Portfolio Rebalancing Calculator
Bring the portfolio back to the plan.
Enter your current holdings and target mix to see exactly how much to buy or sell in each asset class. Add new cash, or choose to rebalance without selling anything.
- Free, no sign-up
- Runs in your browser
- Shareable results
- Educational only
Current holdings and targets.
Targets must add up to 100%.
Contribute this amount while rebalancing.
Selling can create taxes and costs that this tool does not model. These are hypothetical assumptions for learning, not forecasts or expected results for any investment.
Result
Current mix against your target.
View the detailed table
What the numbers mean.
Rebalancing is risk control.
Over time your best-performing assets grow into a larger share than you planned. Rebalancing restores the risk level you chose.
New cash is the gentlest tool.
Directing new contributions to underweight assets can fix drift without selling anything, which avoids taxes and trading costs.
Do not over-trade.
Many investors rebalance on a schedule or when a class drifts by a set margin, for example five percentage points, instead of reacting to every move.
About this portfolio rebalancing calculator.
A portfolio rebalancing calculator tells you how much to buy or sell in each asset class to return to your target mix. Enter what you hold in stocks, bonds, cash and other assets, then your target percentages. Add new cash if you plan to invest more, or tick the box to rebalance without selling anything.
Over time, assets that grow faster take a larger share of the portfolio, which can raise risk beyond what you planned. Rebalancing brings the mix back. See our guide to ETF rebalancing with whole shares for working with real share prices, how to build an ETF portfolio for choosing targets, and the glossary entry on rebalancing. To check your current weights first, use the portfolio allocation calculator.
How the portfolio rebalancing calculator works in practice.
Suppose you hold $62,000 in stocks, $25,000 in bonds, $8,000 in cash and $5,000 in other assets, a $100,000 portfolio. Your targets are 60% stocks, 30% bonds, 5% cash and 5% other.
Bonds: buy $5,000
Cash: reduce by $3,000
Other: no change
Total bought: $5,000; total sold: $5,000
Largest gap from target: 5.00 points before, 0.00 after
Now add $10,000 of new cash and tick “no selling”. The largest gap closes from 5.00 to 2.27 percentage points without a single sale, because the new money goes only where the portfolio is below target. That is why many investors rebalance with new contributions first, especially in a taxable account.
How to choose your inputs.
Current values. The market value of each asset class today. Use totals across all the accounts you want to treat as one portfolio.
Target shares. Your intended percentage for each class. They must add up to 100%.
New cash to invest. Money you plan to add. It is used to buy underweight assets first.
Rebalance with new cash only. Tick this to avoid selling. The result may not reach your targets exactly.
How the rebalancing calculator works.
The calculator adds any new cash to your holdings, multiplies the new total by each target share, and compares the result with what you hold. The difference is the trade for each asset class.
Target value = new total × target share
Trade = target value − current value
No-sell mode: split new cash across underweight assets in proportion to their shortfall
Taxes, trading costs, minimum lot sizes and whole shares are not modeled. See the article on rebalancing with whole shares for practical limits.
Limits of this portfolio rebalancing calculator.
The calculator works in amounts of money, not whole shares, and ignores trading costs, bid-ask spreads and minimum purchase sizes. Selling assets that have gained in a taxable account can create a tax bill, and rules differ by country. It also does not tell you what your target should be or when to rebalance. Check your own tax position or ask a qualified professional before selling.
Common questions about the portfolio rebalancing calculator.
How often should I rebalance?
Common approaches are once a year or when an asset drifts beyond a set band. There is no universally correct frequency.
Should I sell to rebalance?
Not always. Using new contributions can avoid selling and taxes. The no-sell option shows what that looks like.
Why do the targets have to add up to 100%?
Because the targets describe the whole portfolio. If they do not total 100%, the plan cannot be fully invested.
Does it handle whole-share ETFs?
No. It returns exact amounts. Round to whole shares in practice and expect small differences.
How do I rebalance without selling?
Direct new contributions to the asset classes that are below target. Add your new cash and tick the no-selling option to see how far that closes the gap.
Does rebalancing trigger taxes?
Selling assets that have gained in a taxable account can create a taxable gain. Rules vary by country and account type, so check local rules or ask a professional.
What is a target allocation?
It is the mix of asset classes you plan to hold, such as 60% stocks, 30% bonds and 10% cash. Rebalancing is the act of returning to it.
More calculators.
Educational illustration only, not personal investment or tax advice. The model ignores taxes, costs and whole-share constraints.
Further learning: Rebalancing ETFs with whole shares · How to build an ETF portfolio · Glossary: Rebalancing · Investor.gov: Financial tools and calculators · Research methodology · Financial disclaimer