Portfolio Rebalancing Calculator.

Portfolio rebalancing means adjusting your investments back to your target asset allocation. For example, if your target is 60% equity and 40% debt but equity grows to 70%, you may sell some equity or add more debt to restore balance.

Enter your current asset values and target allocation percentages. The calculator compares current allocation with target allocation and shows how much you may need to buy or sell in each asset class.

Asset allocation drift is the difference between your current portfolio percentage and your target percentage. A high drift means your portfolio risk may have changed from your original plan.

Many investors rebalance quarterly, half-yearly, yearly, or when allocation drift crosses a fixed threshold such as 5%. The right frequency depends on taxes, exit loads, transaction costs, and investment strategy.

Yes, rebalancing can help keep your risk level controlled. It does not guarantee higher returns, but it prevents one asset class from becoming too large in your portfolio.

Yes, you can use it for mutual funds by entering current values for equity funds, debt funds, hybrid funds, gold funds, index funds, or any other category.

Yes, you can use it for stocks by entering each stock or stock category as a separate asset. For large portfolios, grouping by sector or asset class may be easier.

Your target allocation should ideally total 100%. If the total is not 100%, the calculator can still show values, but the allocation plan may not represent a complete portfolio.

No, this calculator does not include capital gains tax, STT, brokerage, exit load, or other transaction costs. Always check costs before rebalancing.

Threshold-based rebalancing means you rebalance only when an asset class moves away from its target by a selected percentage, such as 5%. This avoids unnecessary small trades.

For many long-term investors, yearly rebalancing is enough. Active investors or highly volatile portfolios may review more often, but frequent trading can increase costs.

Sometimes rebalancing requires selling part of an asset that has grown more than planned. This controls risk, but tax impact should be checked before selling.

Yes. Instead of selling, you can direct new SIPs or lump sum investments into underweight assets. This is often tax-efficient.

A common example is 60% equity and 40% debt, but the right allocation depends on age, risk tolerance, goals, income stability, and investment horizon.

Yes, you can add gold as an asset class. Many investors keep 5% to 15% in gold depending on their risk profile.

Rebalancing can reduce unintended risk by keeping your asset mix aligned with your original plan. However, market risk cannot be fully removed.

Yes, SIP investors may also need rebalancing because different funds grow at different speeds. New SIP allocation can also be adjusted to restore balance.

Buy amount means the extra value required in an underweight asset class to reach the target allocation.

Sell amount means the excess value in an overweight asset class that may need to be reduced to reach the target allocation.

Yes, HQCalc portfolio rebalancing calculator is free to use and works instantly in your browser.