Portfolio Rebalancing Calculator
Work out the buys and sells to rebalance your portfolio to a target allocation. Free portfolio rebalancing calculator, private and fast.
Independently verified for accuracy
Calculator by Toolsloft ↗- Total portfolio
- $10,000
- Stocks
- Sell $1,000 (target $6,000)
- Bonds
- Buy $1,000 (target $3,000)
- Cash
- On target (target $1,000)
Enter what each holding is worth today and the mix you are aiming for, and this tool tells you exactly how much to buy or sell to get back on target. It is the quick math behind rebalancing a portfolio without a spreadsheet.
How this is calculated
It totals your holdings, multiplies that total by each target percentage to get the target dollar value, and subtracts the current value to get the trade. A positive number is a buy, a negative one is a sell. Target percentages must add up to 100.
How to use
- List each holding with its current dollar value.
- Set the target percentage for each so they add up to 100.
- Read the buy or sell amount that brings each holding to target.
Examples
- Stocks 7k, Bonds 2k, Cash 1k targeting 60/30/10:
Sell 1,000 stocks, buy 1,000 bonds - VTI 7k, BND 3k targeting 50/50:
Sell 2,000 VTI, buy 2,000 BND
FAQ
- How often should I rebalance?
- Common approaches are once or twice a year, or whenever an allocation drifts more than about 5 percentage points from its target. Rebalancing less often lowers costs; rebalancing on a drift threshold keeps risk closer to plan.
- Does this account for taxes or trading fees?
- No. It shows the raw trades to reach your target. In a taxable account, selling can trigger capital gains, so many investors rebalance with new contributions or inside tax-advantaged accounts first.
- Why must the targets add up to 100?
- Because the allocation covers your whole portfolio. If the percentages do not sum to 100, the target dollar values would not match your actual total, so the tool asks you to fix them first.