Portfolio Rebalancing Calculator
Compare current allocations with your own target weights, then model trades or use new cash only.
Current and Resulting Allocation
Bar length shows allocation percentage. Target markers and exact values remain available in the table.
Portfolio Rebalancing Actions
Proposed buys and sells
| Asset | Current | Drift | Target | Modeled action | Result |
|---|---|---|---|---|---|
| US stocks | $60,000 (60.0%) | 0.0% | $60,000 (60.0%) | Hold | $60,000 (60.0%) |
| International stocks | $18,000 (18.0%) | -2.0% | $20,000 (20.0%) | Buy $2,000 | $20,000 (20.0%) |
| Bonds | $22,000 (22.0%) | 2.0% | $20,000 (20.0%) | Sell $2,000 | $20,000 (20.0%) |
Frequently Asked Questions
What does a portfolio rebalancing calculator do?
It compares current dollar values with user-entered target percentages and calculates modeled buys and sells, or a new-cash-only allocation. It does not choose investments or recommend an allocation.
Can I rebalance with new cash only?
Yes. New-cash mode directs the entered cash toward underweight assets without selling. Exact target weights may be unreachable when the available cash is insufficient.
Does this calculator include taxes or trading fees?
No. Taxes, spreads, commissions, account restrictions, minimum trade sizes, and settlement timing are excluded. Review those consequences before placing trades.
How Portfolio Rebalancing Is Calculated
This tool performs allocation arithmetic from your values and targets. It does not select investments or decide whether a trade is appropriate.
Buy and sell mode
Target dollar values equal the current portfolio total multiplied by each target percentage. Positive differences are modeled buys and negative differences are modeled sells.
New-cash-only mode
New cash is directed toward underweight assets without modeled sales. When cash is insufficient, purchases are scaled across the underweight assets and the result may remain away from target.
Methodology and limitations
Values are calculated locally in your browser. Taxes, capital gains, trading fees, spreads, account restrictions, wash-sale rules, minimum trade sizes, and market movement are not modeled.
- Targets are supplied by you and must total 100%.
- Review tax and account consequences before trading.
- Use current account values rather than stale share prices.