Portfolio Rebalancing Calculator
Calculate how much to buy or sell of each crypto asset to restore your target portfolio allocation.
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How to use this calculator
- 1
Enter the name and current USD value for each of your three assets.
- 2
Set your target allocation percentage for each asset (must total 100%).
- 3
The calculator shows the current allocation and how much to buy or sell to rebalance.
Frequently asked questions
How often should I rebalance my crypto portfolio?
There are two common rules. Calendar rebalancing resets the portfolio on a fixed schedule such as quarterly. Threshold rebalancing acts only when an asset drifts a set distance from its target, for example 5 percentage points. Crypto prices move fast, so many investors use a threshold or a quarterly check. Each rebalance costs fees and may create a taxable event, so more frequent is not always better.
Is selling crypto to rebalance a taxable event?
In many countries, yes. Selling or swapping one coin for another is generally a disposal that can create a capital gain or loss, including in the US, UK, Canada and Australia. Rebalancing by directing new money into the underweight assets instead of selling avoids this. Check the rules where you live, because treatment varies.
What is buy-only rebalancing?
It means adding new cash to the assets that are below target rather than selling the ones above target. It works best when you contribute regularly. Enter your current values plus the cash you plan to add, then compare the target values to see where the new money should go.
What if my target percentages do not add up to 100%?
The calculator shows a warning, because the target values will not match your portfolio total and the buy and sell amounts will not balance. Adjust the three targets so they sum to exactly 100% before acting on the numbers.
Does rebalancing increase returns?
Not reliably. Its main job is to keep risk close to the level you chose: without it, the best-performing asset grows into a larger share of the portfolio over time. Rebalancing sells some of the winners and buys more of the laggards, which can help in markets that revert and hurt in markets that trend.
Can I include stablecoins or cash?
Yes. Enter a stablecoin or cash balance as one of the three assets, using its dollar value. That lets you hold a fixed share in stable assets and see how much to buy or sell to maintain it.
Do the buys and sells always balance?
Yes, when the targets sum to 100%. Rebalancing only moves value between assets, so the total sold equals the total bought. In the default example you sell $1,000 of Bitcoin and buy $400 of Ethereum and $600 of altcoins. Fees and slippage will make real trades slightly different.
Crypto portfolio rebalancing calculator — buy and sell amounts to hit your target allocation
How to use the portfolio rebalancing calculator
Use this portfolio rebalancing calculator to find out how much to buy or sell in each asset class to restore your target allocation. Enter your current holdings and target percentages above, then see the exact trades needed. Free, private, and instant on any device — no account or download required.
How the portfolio rebalancing calculator works
The portfolio rebalancing calculator computes the difference between your current allocation percentages and your target percentages, then calculates the dollar amount to buy or sell in each asset to reach the target. All math runs locally in your browser — no portfolio data is sent to any server.
How the rebalancing calculation works
The calculator adds up your three holdings to get the portfolio total. For each asset, target value = total × target percentage, and the trade = target value − current value. A positive result is an amount to buy and a negative result an amount to sell. The current allocation is the asset’s value divided by the total, so you can see how far each position has drifted.
Worked example: $8,000 portfolio drifting toward Bitcoin
Suppose you set targets of 50% Bitcoin, 30% Ethereum and 20% altcoins, but price moves have left you with $5,000 in Bitcoin, $2,000 in Ethereum and $1,000 in altcoins. Bitcoin is now 62.5% of the portfolio against a 50% target, so you sell $1,000 of it and buy $400 of Ethereum and $600 of altcoins. The total stays $8,000.
| Asset | Current value | Current % | Target % | Target value | Action |
|---|---|---|---|---|---|
| Bitcoin | $5,000 | 62.5% | 50% | $4,000 | Sell $1,000 |
| Ethereum | $2,000 | 25.0% | 30% | $2,400 | Buy $400 |
| Altcoins | $1,000 | 12.5% | 20% | $1,600 | Buy $600 |
Calendar, threshold and cash-flow rebalancing
A calendar rule rebalances on a fixed date, which is simple but may trade when nothing has drifted. A threshold rule trades only when an asset moves more than a set band from its target, which keeps trades rarer. Cash-flow rebalancing uses new deposits to top up what is underweight and avoids selling at all. In practice a combined approach works well: check on a schedule and trade only if an asset is outside its band.
Costs and taxes to weigh before you trade
Each trade pays exchange fees and a spread, and large orders in thin markets can move the price. Selling a coin that has risen is a disposal that may be taxable. Consider whether the drift is large enough to justify the cost. If you hold assets in a tax-advantaged account, rebalancing there avoids the tax. Splitting the sell across a few days is one way to reduce slippage on large positions.
Limits of the tool
The calculator handles three assets and works in dollars at one moment in time. It does not include fees, slippage or tax, and it does not recommend what your targets should be. Choosing an allocation depends on your goals and risk tolerance, and crypto assets can lose most of their value, so treat the output as arithmetic to execute a plan you have already chosen.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →