Portfolio Rebalancing Calculator
Find the buys and sells that bring your portfolio back to its target allocation — optionally using only new money so you don't have to sell.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1List each holding as 'name current-value target-%' (targets should total 100).
- 2Add any new money you're investing, and choose whether you're willing to sell.
How it's calculated
Target value = (total + new money) × target %. Trade = target value − current value. With 'no selling', new money goes to the most underweight holdings first.
Frequently asked questions
How often should I rebalance?
Common approaches are once a year or whenever an asset drifts more than 5 percentage points from its target.
Why rebalance with new money?
Directing contributions to underweight assets avoids selling, which in taxable accounts can trigger capital gains tax.
Does rebalancing improve returns?
Its main job is controlling risk. It keeps your portfolio from drifting into more stock exposure than you intended.