Portfolio Rebalancing Calculator

This calculator works out exactly what it takes to bring an investment portfolio back into line with its target mix of growth and income assets after markets have pushed it out of shape. Growth assets, such as shares and property, tend to outperform income assets like bonds and cash over time, so a portfolio that started at 60 percent growth and 40 percent income can drift to 70/30 or further within a few strong years, quietly loading you with more risk than you signed up for. You enter your current growth assets, your current income assets, your target growth allocation as a percentage, and, if you have one, a new contribution available to invest. The calculator returns the specific action needed, whether to move money from growth to income or the reverse, alongside your current growth weighting, your target weighting, and a contribution plan showing how much of any new money to direct to the underweight asset instead of selling. Rebalancing with new contributions is often the gentler route, since selling down an overweight asset can trigger tax on any gains for some investors. Use the tool once a year, or whenever your allocation drifts noticeably from target, to work out how much to buy, sell or contribute. Results are an estimate to guide your own decisions, not financial advice.

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Selling to rebalance can trigger tax on gains for some investors, so rebalancing with new contributions, directed to the underweight asset, is often gentler. The growth and income split is your risk dial; rebalancing keeps it where you intend. Estimate only, not financial advice.