Portfolio Rebalancing Calculator
Check if your equity/debt/gold allocation has drifted from your target โ and get exact buy/sell amounts to rebalance.
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How this calculator works
Portfolio rebalancing means bringing your asset allocation back to your target after market movements have shifted it. For example, if equity surges 30%, your 60/40 portfolio may now be 70/30 โ you're taking more risk than intended. Rebalancing involves selling the overweight asset and buying the underweight one. Experts recommend rebalancing when any asset drifts more than 5% from target, or at minimum once a year (typically March end).
Current allocation % = Asset value รท Total portfolio | Rebalancing amount = Target value โ Current value | Target value = Total portfolio ร Target allocation %
Last updated: March 2026 ยท Rates and slabs updated for FY 2025-26
Rebalance annually or at 5% drift
Most advisors recommend rebalancing when equity drifts more than 5% from your target OR once every 12 months, whichever comes first.
Use new investments to rebalance
Instead of selling (which triggers capital gains tax), direct new investments to underweight assets. This is more tax-efficient for growing portfolios.
The 60/30/10 rule for most investors
Equity 60% | Debt 30% | Gold 10% is a widely recommended moderate allocation for 10+ year horizons. Adjust equity lower as you near retirement.
Frequently Asked Questions
Most advisors recommend rebalancing when equity drifts more than 5% from your target OR once every 12 months, whichever comes first.
Instead of selling (which triggers capital gains tax), direct new investments to underweight assets. This is more tax-efficient for growing portfolios.
Equity 60% | Debt 30% | Gold 10% is a widely recommended moderate allocation for 10+ year horizons. Adjust equity lower as you near retirement.