Rebalancing Calculator

How Much to Buy and Sell to Hit Your Target Allocation

Enter your holdings and target weights to get the exact trades that bring your portfolio back in line.

What this calculator does

Markets move, and over time your portfolio drifts away from the mix you planned. Rebalancing brings it back to your target allocation so your risk stays where you intended.
Enter what you hold and the weights you want, and you'll see exactly how much to buy or sell for each asset. If you're adding new money, the calculator can use it to rebalance with fewer or no sales.

How to use it

Assets: Name each holding, such as US stocks, international stocks, bonds or cash.
Current value: Enter what each asset is worth today.
Target weight: Enter the percentage you want for each asset. The total must be 100%.
New cash (optional): If you're adding money, enter it to see how it can rebalance your portfolio with fewer sales.

Examples (60/40 portfolio)

"A rally pushed my 60/40 portfolio to 70% stocks and 30% bonds."

Stocks 70,000 / Bonds 30,000 / Target 60:40
Sell 10,000 of stocks and buy 10,000 of bonds to get back to 60:40

"Same portfolio, but I'm adding 40,000 of new cash."

Total after deposit: 140,000 / Target 60:40
Buy 14,000 of stocks and 26,000 of bonds. Back on target without selling anything

New cash to invest (optional)

Enter any money you're adding. It's included in the rebalanced total.

Your assets

Asset

Current value

Target (%)

Remove

Total target weight: 0%

Rebalancing Result

Total to trade (buys + sells)

Portfolio total after rebalancing

Current allocation

Target allocation

Asset	Current	Action	Target value

Rebalancing Calculator FAQ

Rebalancing means bringing your portfolio back to its target allocation after market moves have pushed it off course. In practice you trim what has grown and add to what has fallen behind.
It keeps your risk level consistent and builds in a disciplined "sell high, buy low" habit.

Two common approaches are calendar rebalancing (e.g. every quarter or once a year) and threshold rebalancing (whenever an asset drifts more than, say, 5 percentage points from its target).
Rebalancing too often adds trading costs and taxes, so pick a rule that suits your portfolio size and stick to it.

Instead of selling winners, you direct new contributions to the assets that are underweight. This avoids selling, which means fewer fees and no capital gains realized in taxable accounts.
Enter your planned deposit in the "New cash" field to see how far it gets you toward your target.

Selling in a taxable account can trigger capital gains tax. Where possible, do the selling inside tax-advantaged accounts (for example an IRA or 401(k) in the US, or an ISA or SIPP in the UK), where trades don't create a tax bill, or rebalance with new cash.
Tax rules differ by country and account type, so check what applies to you.

It depends on your risk tolerance and time horizon. A classic balanced portfolio is 60% stocks / 40% bonds. Younger or more aggressive investors often hold 80-90% stocks, while those near retirement usually hold more bonds and cash.
The best allocation is one you can stick with through a bad market.

Over time the best-performing asset, usually stocks, grows into a much bigger share of your portfolio than you planned. That means much larger losses in a downturn than you signed up for, and a worse risk-adjusted return over the long run.

No. The results show the mathematically exact trades. In practice you can round to whole shares and skip tiny adjustments, since small deviations aren't worth the fees. Many investors only act when an asset is outside a set band around its target.