Portfolio rebalancing calculator
Enter how much you have in each asset class and the target percentage, and see how much to buy or sell of each one to get back to your target allocation, or how to split a new contribution without selling anything.
How to useHow much to buy of each asset
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Portfolio rebalancing calculator: what it is for
List the asset classes in your portfolio with the current value and target percentage of each. Enter the new contribution and choose to rebalance by contributing only or by buying and selling. The tool shows the current allocation, how much to move in each class and how the portfolio looks afterwards.
The calculations run in your browser and are a simulation only; they are not investment advice.
How to use
- List the classes with value and target.
- Enter the contribution and the mode.
- See how much to buy or sell of each one.
When to use it
- Splitting your monthly contribution.
- Keeping the portfolio's risk profile.
- Planning the yearly rebalance.
Frequently asked questions
What does rebalancing a portfolio mean?
Over time, the assets that rise the most take up a bigger slice than planned, and the portfolio becomes riskier or more conservative than you wanted. Rebalancing means buying what is below target and, if needed, selling what is above it, to get back to the percentages you set.
Is it better to sell or just add money?
Rebalancing only with new contributions avoids selling, costs and taxes on gains. The "no selling" option splits the contribution among the classes that are below target, bringing the portfolio closer to the target allocation.
How often should I rebalance?
Many investors rebalance once or twice a year, or when a class drifts more than a few percentage points from its target. This tool is not investment advice.
Is it really free?
Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.