Finance & Investment · Risk & Portfolio
Portfolio Rebalancing Calculator
Enter what each asset is worth now and its target percentage, plus any new money you're adding, to get the buy and sell amounts that restore your target mix — or, if you'd rather not sell, how to split new money to get as close as possible.
Your inputs
Quick start — try a typical case
Targets must add up to 100 %.
₹ 1 lakh
Off = only buy with new money (avoids tax and exit loads).
Your result Live
Trades to Restore Your Target Mix
₹2,30,000 buy · ₹1,30,000 sell
Largest drift today 9.0%; after trading 0.0%
- Equity: 69.0% → 60.0% (target 60%)
- Sell ₹1,30,000
- Debt: 24.8% → 30.0% (target 30%)
- Buy ₹1,40,000
- Gold: 6.2% → 10.0% (target 10%)
- Buy ₹90,000
Selling can trigger capital gains tax and exit loads — consider directing new money and SIPs instead if the drift is small.
How this is calculated
Trade = Target % × (Current total + New money) − Current value (buy-only: top up assets to L × Target %, choosing L to use exactly the new money)
- Drift
- Current weight − target weight
Markets move your allocation away from the plan: after a rally you hold more equity — and more risk — than intended. Rebalancing restores the mix by trimming what has grown and adding to what has lagged. Using new money and SIPs to rebalance avoids selling, tax and exit loads.
Assumptions & sources
- Trades happen at current values; taxes, exit loads and transaction costs are not deducted.
- Buy-only mode never sells; any remaining drift is reported.
- 1CFA Program Curriculum — Quantitative Methods: The Time Value of Money — CFA Institute
- 2Best practices for portfolio rebalancing — Vanguard Research (2015)
Calculator ID FIN-PORT-REBAL-001 · version 1.0.0
Common questions
How often should I rebalance?
Common approaches: once a year, or whenever an asset drifts more than about 5 percentage points from target. Both work; avoid rebalancing so often that costs eat the benefit.
Can I rebalance without selling?
Yes — direct new investments and SIPs into the under-weight assets. Turn off 'Allow selling' to see the best split of new money.