Portfolio Rebalancing Calculator
Stop guessing. See exactly what to sell and what to buy to fix your broken portfolio.
Free tool. Instant calculations. No signup required.
Roast & Rebalance Your Portfolio
Total Portfolio Value
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Auto-calculated from your asset values below
Your Broken Portfolio
Enter the name of asset 1
Enter how much asset 1 is currently worth in dollars
Enter what percentage you want asset 1 to be
Enter the name of asset 2
Enter how much asset 2 is currently worth in dollars
Enter what percentage you want asset 2 to be
Enter the name of asset 3
Enter how much asset 3 is currently worth in dollars
Enter what percentage you want asset 3 to be
💡 Pro Tip: Math is hard, but try to hit 100%. The calculator will roast you if you don't.
What is Portfolio Rebalancing?
Portfolio rebalancing is the strategic process of buying and selling assets to restore your original asset allocation. Over time, some investments grow faster than others, causing your portfolio to "drift" from your intended risk level. Rebalancing resets this drift, ensuring you aren't overexposed to market volatility.
Why is rebalancing critical?
- Control Risk: Without it, a stock market rally could turn your safe 60/40 Growth/Floor portfolio into a risky 90/10 split.
- Enforce Discipline: It forces you to sell high (taking profit from winners) and buy low (reinvesting in lagging assets).
- Maintain Diversification: It ensures no single asset class dominates your net worth.
When should you rebalance? Financial advisors typically recommend rebalancing when your portfolio drift exceeds 5% for any asset class, or on a set schedule (e.g., quarterly or annually).
How to Use This Calculator
- 1. Enter asset name, current value ($), and target allocation (%)
- 2. Add up to 10 assets (targets should sum to 100%)
- 3. Click Calculate to see BUY/SELL/HOLD recommendations
When Should I Rebalance My Portfolio?
Financial advisors recommend rebalancing when:
- Your largest position exceeds 5% drift from target allocation
- At least once per year even if drift is low
- After major market movements (20%+ gain/loss in any asset class)
Avoid rebalancing too frequently as transaction costs and taxes can eat into returns.
What Does Portfolio Drift Mean?
Portfolio drift is the difference between your current allocation and target allocation. For example, a 60/40 Growth/Floor portfolio that grows to 70/30 has 10% drift.
Why does drift matter?
High drift increases risk beyond your intended level. If growth assets outperform your floor, your portfolio becomes increasingly growth-heavy and more volatile than you originally planned.
See how a 60/40 portfolio drifted to 82/18—costing $55,000 in one crash →
Is My Portfolio Data Private?
Yes, 100% private. All calculations happen in your browser. Your portfolio data never leaves your device and is not stored, collected, or transmitted to any server.
You can verify this by opening your browser's developer tools (Network tab) and watching that no data is sent when you click Calculate.
Want to Dive Deeper?
Learn how the "let your winners run" myth destroys wealth and why a 60/40 portfolio silently became 82/18.
Portfolio Drift: Your 60/40 Became 82/18 →