Portfolio Rebalancing Calculator
Work out what to buy or sell to bring equity, debt and gold back to the mix you choose.
Portfolio after rebalancing
Target values: Equity ₹6,00,000 · Debt ₹3,00,000 · Gold ₹1,00,000
How it works
Total = Equity + Debt + Gold + New money
Target value of each = Total × its target %
Trade = Target value − Current value (positive: buy · negative: sell)
The buys minus the sells always equal the new money you add. Target percentages must add up to 100%.
Worked example
You hold ₹7,00,000 in equity, ₹2,00,000 in debt and ₹1,00,000 in gold, and want 60/30/10.
- Total = ₹10,00,000 (10 lakh); equity is now 70% instead of 60%
- Targets: equity ₹6,00,000, debt ₹3,00,000, gold ₹1,00,000
- Trades: equity Sell ₹1,00,000, debt Buy ₹1,00,000, gold No change
Frequently asked questions
What is portfolio rebalancing?
It means bringing your investments back to the mix you planned, say 60% equity, 30% debt and 10% gold, after market moves have pushed them away from it. You sell some of what has grown beyond its share and buy what has fallen below it.
Why rebalance at all?
Your target mix reflects how much risk you are comfortable with. If equity rises a lot, it becomes a bigger part of your portfolio and your risk goes up without you choosing it. RBI's financial awareness messages explain why spreading money across different assets helps protect against a fall in any one of them.
How does the calculator work out the trades?
It adds up your current values and any new money, works out what each asset should be worth at your target percentages, and shows the difference: positive means buy, negative means sell.
Can I rebalance without selling?
Often, yes. If you are adding new money, enter it: the calculator directs it to the assets that are below target. With enough new money, you may not need to sell anything.
What should my target mix be?
That depends on your goals, time horizon and comfort with risk, and is a personal decision. This calculator does not suggest a mix; it only shows the trades needed to reach the one you enter.
Does it include tax and charges?
No. Selling investments may lead to capital gains tax and exit loads, and buying may have transaction costs. Check these before acting, as they can make small rebalancing trades not worth doing.
How often should I rebalance?
Some people rebalance on a fixed schedule, such as once a year; others do it when an asset drifts a set amount from its target. Choose a simple rule you will follow.
About these results
- Method and timing
- Total = current values + new money; each target value = total × its percentage; trade = target − current. Taxes and charges are not included.
- Last verified
- Your data
- Runs in your browser; nothing is stored or sent.
This calculator shows the arithmetic of reaching the mix you enter. It is not investment advice and does not recommend any allocation. Taxes, exit loads and charges are not included.