What it does
Over time some holdings grow faster than others and your mix drifts away from the one you chose. This calculator takes what you hold now, the percentage you want in each, and any new cash, and shows how much to buy or sell in each to get back on target. It does not suggest what to hold or when to trade; the targets are yours.
If you would rather not sell (selling can create a taxable gain), tick Buy only and the new cash goes to the holdings furthest below target. To see what a selling decision may cost, try capital gains; to check how the mix has performed, return calculator; to plan regular additions, SIP calculator.
How to use it
- Type each holding’s name and its value now, and the target % you want.
- Use Add a row for more holdings. Targets that do not add to 100 are scaled.
- Enter any new cash to add.
- Optionally tick Buy only.
- Read the table: buy, sell or hold for each, and the mix after.
What each setting does
- New cash: added to the total before the targets are applied.
- Buy only: nothing is sold. If your cash is too small to reach every target, the holdings furthest below target are topped up first.
Worked example
You hold 6,000 in a shares fund and 4,000 in a bond fund, with a 50/50 target and no new cash. The total is 10,000, so each should be 5,000: sell 1,000 of the shares fund and buy 1,000 of the bond fund. With 2,000 of new cash and Buy only ticked, the whole 2,000 goes to the bond fund, giving 6,000 and 6,000.
FAQs
Does it round to whole shares? No. It gives amounts of money; round to what your broker allows.
Does it include fees and tax? No. Selling may be taxable. Not financial or tax advice.
How often should I rebalance? That is your choice; this tool does not say.
Where the numbers come from
- Arithmetic only: target value = (holdings + new cash) x target share; the buy or sell amount is the target value minus the current value. Checked by hand: 6,000 and 4,000 with 50/50 targets means sell 1,000 of the first and buy 1,000 of the second.
Standard scientific values, such as constants, atomic weights and melting points, are facts found in every textbook; we name where ours were checked. If you are an author or publisher and want a value, a credit or a table changed or removed, tell us and we will act quickly.
Last updated 2026-11-10.