Enter your current holdings and target allocation percentages to instantly see how much to buy or sell in each asset to restore your target mix.
| Asset name | Current value | Target allocation (%) |
|---|
| Asset | Current % | Target % | Drift | Action |
|---|
Current allocation
Target allocation
How to use the portfolio rebalancing tool
- List each asset in your portfolio along with its current value.
- Enter your target allocation percentage for each asset, these should add up to 100%.
- Click Calculate Rebalancing to see each asset's drift and the exact amount to buy or sell.
- Use the buy/sell amounts as a starting point, adjusting for trading costs, minimums, or tax considerations in taxable accounts.
Why portfolios drift from their target allocation
Different assets grow at different rates, so a portfolio that started at a clean 60/40 split can quietly become 70/30 after a strong year for one asset class. That drift changes your actual risk level without you doing anything, rebalancing periodically brings the portfolio back to the risk level you originally chose, rather than the risk level the market happened to leave you with.
Example
A portfolio with 70,000 in stocks and 30,000 in bonds (70%/30%) that was originally targeted at 60%/40% has drifted 10 percentage points overweight in stocks. Rebalancing means selling roughly 10,000 of stocks and buying roughly 10,000 of bonds to restore the 60/40 target.
Frequently asked questions
- What does portfolio drift mean?
- The difference between an asset's current allocation and its target allocation.
- How often should I rebalance my portfolio?
- Common approaches are a fixed schedule or a drift threshold, such as 5 percentage points.
- Does this tool account for taxes or trading fees?
- No, it calculates raw amounts only; consider tax implications separately for taxable accounts.
- Does this tool store or send my portfolio data anywhere?
- No, all calculations happen locally in your browser.
Bookmark this page and check your allocation every quarter or after any major market move, drift creeps in quietly and is easy to miss without checking.
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