Portfolio Rebalancing Calculator
Enter your current holdings and your target allocation. Get the exact dollar amount to buy or sell for each position to get back on target.
Your holdings
Enter each holding's current dollar value and the target percentage of your portfolio you want it to be. Add new cash below to rebalance with fewer sales.
| Holding | Current value ($) | Target (%) | |
|---|---|---|---|
| Total | $0 | 0% |
How this rebalancing calculator works
Over time, some investments grow faster than others and your portfolio drifts away from the mix you chose. If stocks surge, you may end up with far more stock risk than you intended. Rebalancing means buying and selling to bring each asset class back to its target weight.
The math is simple, and this tool does it for you:
- Add up the current value of every holding to get your total portfolio value (plus any new cash you plan to invest).
- For each asset, multiply that total by its target percentage to get a target dollar value.
- Subtract the current value from the target value. A positive number is how much to buy; a negative number is how much to sell.
Adding new cash lets you rebalance by buying the underweight assets instead of selling the overweight ones — which, in a taxable account, can avoid triggering capital gains taxes.
A worked example
Say you hold $7,000 of US stocks, $2,000 of bonds, and $1,000 of international stocks — a $10,000 portfolio — but your targets are 60% / 30% / 10%. Your targets in dollars are $6,000 / $3,000 / $1,000. So you'd sell $1,000 of US stocks and buy $1,000 of bonds; international is already on target. That's exactly what the calculator shows above.
Good to know
- This tool computes the pure allocation math only — it does not account for taxes, trading costs, tax lots, or wash-sale rules.
- Nothing you enter is saved or sent anywhere; the calculation runs entirely in your browser.
- For a tax-aware plan tied to your real holdings and account type, MinMaxDoc's full engine is free with an account.
Frequently asked questions
Do my target percentages need to add up to 100%?
Yes. Your targets describe how you want 100% of your portfolio invested, so they should sum to 100%. The calculator shows a running total and warns you if they don't add up, so you can fix them before trusting the buy/sell amounts.
Can I rebalance by adding new money instead of selling?
Often, yes. Enter your new cash in the “New cash to invest” field. It's added to your total and directed toward underweight positions, which reduces or eliminates the need to sell. Because selling in a taxable account can trigger capital gains taxes, rebalancing with new contributions is usually more tax-efficient.
Does this calculator account for taxes?
No. It computes the pure allocation math and ignores capital gains, tax lots, and wash-sale rules. For tax-aware buy and sell recommendations tied to your actual lots and account type, create a free MinMaxDoc account.
How often should I rebalance?
Common approaches are to rebalance on a schedule (e.g. once or twice a year) or when an asset class drifts past a threshold (e.g. 5 percentage points) from its target. Rebalancing less often lowers costs and taxes; rebalancing more often keeps your risk closer to plan.
Get a full tax-aware second opinion — free
This tool does the allocation math. MinMaxDoc does the hard part: a tax-aware, mean-variance–optimized set of buy & sell recommendations for your actual portfolio and tax lots. Free with an account.
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