Portfolio Rebalancing Calculator

Exact buy/sell amounts to hit target allocation.

Your Portfolio

AssetCurrent valueTarget %

Target total: — should equal 100%

Total portfolio

Trades to rebalance

How to Use This Calculator

1. List each asset with its current value and your target allocation %.
2. Add or remove rows as needed; targets should total 100%.
The tool shows exactly how much to buy or sell of each asset to return to your target mix.

Calculation Method

For each asset: trade = (Total portfolio × target %) − current value.
A positive number means buy; negative means sell. Total portfolio = sum of all current values.

Source: Standard target-allocation rebalancing arithmetic.

Drifted up

Stocks above target

Sell stocks, buy bonds

New cash

Add cash row

Deploy to underweight assets

60/40

60% stocks / 40% bonds

Trades to restore mix

Frequently Asked Questions

What is portfolio rebalancing?

Periodically buying and selling assets to bring your portfolio back to its target allocation after market moves cause drift.

How often should I rebalance?

Common approaches are annually or when an asset drifts more than ~5 percentage points from target. There is no single right answer.

Does rebalancing trigger taxes?

In taxable accounts, selling appreciated assets can create capital gains. Rebalancing with new contributions or in tax-advantaged accounts avoids this.

Why rebalance at all?

It enforces a disciplined buy-low/sell-high process and keeps your risk level aligned with your plan.

Should targets total 100%?

Yes. The tool warns you if your target percentages do not add up to 100%.

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Investment Disclaimer: Calculations are estimates based on assumptions. Past performance does not guarantee future results. Investments involve risk, including potential loss of principal. SmartStockCalcs is not a registered investment advisor. For educational purposes only — consult a licensed financial advisor before making investment decisions.

Last updated: May 24, 2026