Investing

Portfolio Allocation Rebalancer

List your holdings with their current values and target percentages. The rebalancer shows how far each one has drifted and the trades that bring the portfolio back in line, either by buying and selling or by investing new money only where it is needed.

HoldingCurrent valueTarget %Price per share (optional)
HoldingCurrent %Target %DriftTradeSharesAfter

Runs entirely in your browser. Your holdings are saved only on this device.

Why rebalance

Keep your risk level

Winners grow into a bigger share of the portfolio over time.

Buy low, sell high

Rebalancing trims what has risen and adds to what has fallen.

Invest new money wisely

Send contributions to underweight holdings.

How to rebalance your portfolio

  1. List your holdingsName, current value and target percentage for each.
  2. Add new cashEnter a contribution, or a negative amount to withdraw.
  3. Pick a methodBuy and sell to exact targets, or new cash only.

Allocation drift explained

A 60/40 portfolio does not stay 60/40. If stocks rise 20% while bonds are flat, stocks become about 64% of the portfolio, and your risk quietly increases.

Rebalancing resets the mix. Using new contributions to buy underweight assets is the gentlest way, because it avoids selling. When drift is large, a full rebalance with sales may be needed.

Drift

Current % minus target %.

Band

How much drift you tolerate before acting.

Cash-only

Rebalance with contributions, no sales.

Rebalancing FAQ

How do I calculate rebalancing trades?

Target value = (total portfolio + new cash) x target %. The trade for each holding is target value - current value: positive means buy, negative means sell.

What does the cash-only mode do?

It invests new money only into holdings that are below target, filling the most underweight first, so you avoid selling and possibly realising taxable gains.

How often should I rebalance?

Common approaches are once or twice a year, or whenever a holding drifts more than about 5 percentage points from its target. The drift band setting flags those holdings.

Do my targets need to add up to 100%?

Yes. If they do not, the tool warns you and offers to scale them so they do.

Does this account for fees or taxes?

No. Consider trading costs and taxes before selling, especially in taxable accounts.

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