Enter your holdings and your target allocation, and this portfolio rebalancing calculator shows exactly how much of each asset to buy or sell to get back to your plan — crypto, stocks, metals and cash in one place. Free, no account, nothing leaves your browser.
Rebalancing is the discipline of periodically restoring your portfolio to its target allocation. Over time, winning assets grow to take up a larger share than you intended, which quietly raises your risk. Rebalancing trims overweight winners and tops up underweight positions, enforcing a built-in buy-low, sell-high habit and keeping your risk consistent with your plan.
Most investors rebalance on a schedule (quarterly or annually) or when an allocation drifts past a threshold such as 5%. If you add money regularly, you can often rebalance with new contributions alone — buying only the underweight assets — so you never have to sell and trigger capital-gains tax.
This calculator is perfect for a one-off rebalance, but your allocation drifts every day as prices move. WalletLens shows your live allocation across crypto, stocks, metals and cash automatically — so you see the moment a position drifts and can decide whether to rebalance. It is 100% free, needs no account, and your data stays on your device.
Open the free portfolio tracker → · What is rebalancing? · Asset allocation · Rebalancing guide
For each asset, multiply your target percentage by your total portfolio value to get its target dollar value, then subtract its current value. A positive result means buy that amount; a negative result means sell it. The WalletLens rebalancing calculator does this for every asset instantly.
Common approaches are rebalancing on a fixed schedule — quarterly or annually — or whenever an allocation drifts beyond a set threshold like 5%. Rebalancing too often raises trading costs and taxes; too rarely lets risk build up. A threshold-based check every quarter is a popular middle ground.
Use new contributions. Instead of selling overweight coins, direct fresh cash only into the underweight assets until your allocation is back on target. This avoids triggering capital-gains tax. The calculator has a "new cash to invest" field that rebalances using contributions first.
Rebalancing is primarily about controlling risk, not maximising returns. It keeps your portfolio aligned with your plan and enforces a buy-low, sell-high discipline. In a long one-way bull market it can lag a portfolio left untouched, but it meaningfully reduces drawdowns when trends reverse.
Yes — the WalletLens portfolio rebalancing calculator is 100% free, requires no account or sign-up, and runs entirely in your browser. Nothing you enter is stored or sent to a server.