Portfolio rebalancer
Find where your allocation has drifted past its limits, and the smallest set of trades that fixes it — using new money first so you avoid the tax.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- Enter your current holdings and targets
What you hold now against what you intended. The gap is drift, and it is created by returns, not by decisions.
- Tolerance band before you act
How far you let it drift before acting. Five percentage points is a sensible default — rebalancing on every small deviation costs more in tax and charges than it recovers.
- Fresh money you can add
The important field. Directing new contributions to the underweight asset often fixes the drift without selling anything.
- Read the trades suggested
Fresh money is used first, then sales. Every avoided sale is avoided capital gains tax.
Worked example: A 60/40 that drifted to 70/30
A ₹20 lakh portfolio targeted at 60% equity and 40% debt. A strong equity run has taken it to ₹14 lakh equity and ₹6 lakh debt. You have ₹2 lakh to invest.
What to enter
- Current
- ₹14L equity / ₹6L debt
- Target
- 60 / 40
- Tolerance band before you act
- 5 points
- Fresh money you can add
- ₹2,00,000
What it shows you
- Current allocation
- 70 / 30
- Fix by selling
- Sell ₹2L equity
- Fix with fresh money
- Add all ₹2L to debt
- Result
- 63.6 / 36.4
- Tax paid
- ₹0
10 points out — action needed
triggers capital gains tax
inside the 5-point band
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Risk & Psychology11 minGoal-based asset allocationThe decision that matters more than every stock pick combined — how much equity, decided by what the money is for rather than by how you feel.
- Market Basics11 minActually starting: your first portfolioA concrete, defensible way to begin — what to buy first, how much, in what order, and the mistakes that make the first year unnecessarily expensive.
- Risk & Psychology10 minBuilding a portfolio that survivesHow many stocks, correlation, concentration versus diversification, and rebalancing without wrecking your returns.
- Risk & Psychology14 minHolding the part that is meant to lagYear three of a strong run, and every conversation about the portfolio is a conversation about the part that has done nothing. It is being judged against the best line on the page, which is the one comparison under which it can never look sensible.
- Market Basics8 minMulti-asset allocation funds: diversification in one schemeOne fund that holds equity, debt and gold together, rebalancing between them for you. What SEBI requires it to hold, why it gives a smoother ride, and the tax quirk that depends on its equity level.