What is Portfolio Rebalancing?
Portfolio rebalancing is a fundamental investment management strategy that involves periodically adjusting the weights of assets in your portfolio to maintain your desired asset allocation. As different investments perform differently over time, your portfolio naturally drifts from its target allocation. For example, if stocks outperform bonds, your portfolio may become overweight in stocks, increasing your overall risk exposure beyond your intended level.
Our free interactive portfolio rebalancer calculates the exact trades needed to restore your portfolio to its target allocation. Simply enter your current holdings (asset names, quantities, and prices) along with your desired target percentages, and the tool instantly shows you which assets to buy or sell and in what quantities. You can also upload your portfolio via CSV file for convenience.
How to Use This Portfolio Rebalancer
- 1
Enter Your Holdings
Add each asset in your portfolio with its name, current quantity, and current price per share/unit. You can also upload a CSV file with your holdings.
- 2
Set Target Allocations
Enter your desired target percentage for each asset. Make sure your target allocations sum to 100%. The tool will warn you if they don't.
- 3
Review Rebalancing Plan
The tool calculates the difference between current and target allocations, showing you exactly which assets to buy or sell and the dollar amounts and units involved.
- 4
Export Your Plan
Download your rebalancing plan as a CSV file for your records or to execute the trades with your broker. Your data is automatically saved locally for future sessions.
Portfolio Rebalancing Strategies
| Strategy | Description | Best For |
|---|---|---|
| Calendar-Based | Rebalance at fixed intervals (quarterly, semi-annually, annually) | Hands-off investors who want simplicity |
| Threshold-Based | Rebalance when any asset drifts 5-10% from target | Active investors who monitor portfolios regularly |
| Cash Flow | Direct new contributions to underweight assets | Tax-conscious investors in accumulation phase |
| Tactical | Adjust targets based on market conditions | Experienced investors with market views |
Why Use Our Portfolio Rebalancer?
Precise Calculations
Get exact dollar amounts and unit quantities for each trade needed to reach your target allocation.
CSV Import/Export
Upload your portfolio from a CSV file and export your rebalancing plan for easy record-keeping.
Visual Comparison
See your current vs. target allocation at a glance with intuitive visual charts and progress bars.
Flexible Targets
Set any target allocation you want. The tool validates that your targets sum to 100%.
100% Private
All calculations happen in your browser. Your portfolio data never leaves your device.
Unlimited Assets
Add as many assets as you need. Works for simple 3-fund portfolios or complex multi-asset allocations.