Decision planning calculator
Portfolio Rebalancing Calculator
Compare current investments with a target allocation and see full or contribution-only adjustments.
Investing with a clear plan →Reviewed by Syvoq Editorial Team ·
Use a written allocation instead of a new market opinion
Enter the current market value of the broad asset groups across every account included in the same plan. Then use target percentages that already have a goal, horizon, and risk reason behind them. If the targets do not total 100%, the calculator normalizes them only to keep the output usable and flags the mismatch; correct the percentages before taking action.
The full adjustment shows the mathematical buy or sell amount at the current portfolio total. The contribution-only result asks a different question: where could new cash go to reduce underweight positions without selling? It may not complete the rebalance, but it can reduce taxes, fees, and unnecessary trading when the drift is modest.
A real-world check
Correcting drift without immediately selling the winner
A portfolio holds €42,000 of stocks, €12,000 of bonds, and €6,000 of cash against a 60/30/10 target. Stocks are overweight and bonds underweight. A €2,000 contribution is directed mostly toward bonds, moving the portfolio closer to target while leaving the larger full-rebalance trade for the scheduled review.
How to read the result
Full adjustments are small
New contributions may be enough; avoid chasing exact percentages when costs exceed the benefit.
One asset is heavily overweight
Check the written band, tax position, product terms, and the whole portfolio before selling.
Targets do not total 100%
Correct the intended percentages rather than relying on the normalized provisional output.
What this calculator cannot know
- The tool does not include tax lots, capital gains, transaction costs, spreads, account restrictions, currency exposure, or product risk.
- It cannot decide whether the target allocation is suitable and does not recommend any security, fund, trade, or market timing.
What to do next
- Confirm the target and rebalancing rule written before today’s market move.
- Combine every relevant account and check tax or product restrictions.
- Use contributions first where practical and record any trades and costs.
Connect the portfolio
See investments inside your full net worth
Track holdings, accounts, goals, and liabilities together instead of judging the portfolio in isolation.
Common questions
About this calculator
How often should a portfolio be rebalanced?
Some investors review on a fixed schedule while others use allocation bands. The useful rule is one you can follow without reacting to ordinary market noise.
Can I rebalance without selling?
Often you can move closer to target by directing new contributions, dividends, or withdrawals toward underweight assets, although a large drift may remain.
Does this calculator include tax or trading costs?
No. Before selling, check tax treatment, transaction costs, product restrictions, and whether the account itself has rebalancing features.
How it works
A full rebalance compares each current holding with its target share of the current total portfolio.
If target percentages do not equal 100%, they are normalized proportionally and the mismatch is flagged.
The contribution-only method directs new money toward positive gaps based on the portfolio total after the contribution.
Educational planning estimate. It does not replace an official calculation or individualized financial, tax, or legal advice.
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