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Asset Allocation

Portfolio Rebalancer — Get Back to Your Target Allocation

Enter your current holdings and target percentage for each asset class. This tool shows exactly how much to add or reduce in each one to get your portfolio back to plan — in rupees, not vague advice.

📊 Your Asset Classes

Asset ClassCurrent Value (₹)Target %
Note: Target percentages should add up to 100%. This tool only computes the gap to your stated targets — it doesn't recommend what those targets should be.

⚖️ Rebalancing Actions

Enter your asset classes and click Calculate
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Disclaimer: This calculator is for educational purposes only and does not constitute investment advice or a personalized asset allocation recommendation. It does not account for taxes, transaction costs, or lock-in periods on rebalancing trades. Consult a licensed financial advisor before making investment decisions.

What Rebalancing Actually Fixes

If you set a target of 60% equity and 40% debt, and equities grow faster than debt over a year, your portfolio can quietly drift to 70/30 — more risk than you originally chose, without you deciding that. Rebalancing brings it back to your intended mix.

The Formula

Amount to Add/Reduce = (Total Portfolio × Target %) − Current Value

A positive number means that asset class is underweight — you'd add to reach target. A negative number means it's overweight — you'd reduce (or simply stop adding new money there until it drifts back).

Worked Example

A ₹10,00,000 portfolio with a target of 60% Equity / 30% Debt / 5% Gold / 5% Cash, currently sitting at 70% Equity / 15% Debt / 10% Gold / 5% Cash:

Frequently Asked Questions

Rebalancing means adjusting your holdings back to your originally intended asset allocation after market movements have caused it to drift. If equities rise faster than bonds, your portfolio can end up more equity-heavy than you intended, changing your actual risk level without you deciding that.
Common approaches are calendar-based (e.g. once or twice a year) or threshold-based (rebalance when an asset class drifts more than a set percentage, like 5%, from its target). Very frequent rebalancing can increase transaction costs and, in taxable accounts, trigger capital gains tax.
No — this tool only shows the gap between your current holdings and whatever target percentages you enter. Deciding the right target allocation depends on your risk tolerance, time horizon, and goals, which is a personal decision best made with a financial advisor.
Not always. If you're adding new money regularly, directing new contributions toward underweight asset classes can rebalance a portfolio over time without selling anything — often more tax-efficient than selling overweight positions.