Asset Allocation and Rebalancing Calculator

How far your portfolio has drifted from its target, and the trades to rebalance.

  • Free, no sign-up
  • Results update as you type
  • Updated for 2026
Live Asset allocation
Your numbers
Current holdings
$
$
$
Target mix
%
%
%
Largest drift
15.0%
Rebalancing makes sense

Breakdown

Stocks$70,000
Bonds$20,000
Cash$10,000

Table

AssetCurrentCurrent %Target %Buy / sell
Stocks$70,00070.0%60%−$10,000
Bonds$20,00020.0%35%$15,000
Cash$10,00010.0%5%−$5,000

How this calculator works

Each holding's share of the total is compared with its target percentage. The largest difference is the drift; a common rule is to rebalance once any asset is more than 5 points off. The buy or sell amount brings each holding back to its target.

Worked example

With the example values below: Largest drift, 15.0% (rebalancing makes sense). Change any number above to run your own.

What you enter

InputExample
Current holdings
Stocks$70,000
Bonds$20,000
Cash$10,000
Target mix
Stocks60%
Bonds35%
Cash5%
0

Grow what this calculator projects.

TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.

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Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.