Rebalancing calculator
Enter what you hold and your target mix, and get the buys and sells that bring you back on target.
Biggest drift from target
The table shows what to buy or sell to get back on target. Using new money for the buys avoids selling, and possible taxes.
Trades by holding
| Holding | Now | Now % | Target | Trade |
|---|---|---|---|---|
| US stocks | $62,000 | 62.0% | $60,000 | Sell $2,000 |
| International stocks | $14,000 | 14.0% | $20,000 | Buy $6,000 |
| Bonds | $24,000 | 24.0% | $20,000 | Sell $4,000 |
How this calculator works
The calculator adds up your holdings plus any new money, works out what each should be at your target percentages, and shows the trade for each.
Putting new money into whatever is underweight is often the easiest way to rebalance, with no selling.
Common questions
When should I rebalance?
Common rules: once a year, or when a holding drifts more than 5 percentage points from target.
Does rebalancing cost tax?
Selling in a taxable account can trigger capital gains. Rebalancing inside an IRA or 401(k) does not.
Why rebalance at all?
It keeps your risk where you chose it, and it means trimming what has risen and adding to what has fallen.
FatDCA calculators are educational estimates, not investment, tax or legal advice. Results depend on the assumptions you enter, and past returns do not predict future returns.
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