Portfolio Rebalancing Calculator
Over time, your best-performing assets grow into a larger share of your portfolio, quietly raising your risk. Rebalancing sells a little of what has grown and buys what has lagged to restore your target mix. Enter your holdings below to see exactly how much of each asset to buy or sell.
Portfolio total
$10,000
| Asset | Current $ | Now % | Target % | Action | |
|---|---|---|---|---|---|
| 60.0% | Hold | ||||
| 30.0% | Hold | ||||
| 10.0% | Hold |
Target weights sum to 100.0%
How to use this calculator
Enter the current dollar value of each holding and the target weight you want it to hold. Your target weights should add up to 100%. The Action column then tells you how much to buy or sell for each asset to return to that target.
If you are still contributing to your portfolio, type your new deposit into the new money to invest field. The calculator folds that cash into the total, so you can often rebalance by directing new money to underweight assets instead of selling — which helps avoid taxes in a taxable account. Your entries are saved in your browser only; nothing is sent to a server.
Not sure what target weights to use? Browse 17 classic allocation strategies for tested targets, or read our guide to the rebalancing effect.
Frequently Asked Questions
How does a rebalancing calculator work?
You enter the current dollar value of each holding and the target weight you want it to have. The calculator adds up your total portfolio, computes the dollar value each asset should have at its target weight, and shows the difference — telling you how much to buy or sell for each position.
How often should I rebalance my portfolio?
Most research supports rebalancing either once a year or whenever an asset drifts more than about 5 percentage points from its target. Rebalancing too often adds trading costs and taxes without much benefit; rebalancing too rarely lets risk drift away from your plan.
Can I rebalance without selling anything?
Often yes. If you are still adding money, enter your new contribution in the 'new money to invest' field. The calculator will direct fresh cash toward your underweight assets first, which can restore your target weights with little or no selling — useful for avoiding capital gains taxes in a taxable account.
Does rebalancing improve returns?
Rebalancing is primarily a risk-control tool, not a return booster. Its main job is to keep your portfolio from drifting into a riskier mix than you intended. In some periods it modestly helps returns by trimming winners and buying laggards, but its dependable benefit is discipline.
Hypothetical historical performance based on backtested data. Past performance does not guarantee future results. This site is for educational purposes only and does not constitute investment advice. Full disclaimer