Crypto Portfolio Rebalancer — Allocation Drift & Rebalancing Calculator
Enter your current crypto (or any asset) holdings and target percentage allocations to see how far each position has drifted and what to buy or sell to rebalance. Recalculates instantly as you edit. No data leaves your browser — your portfolio details are never sent to a server.
How to use this tool
- Enter each asset name, current value, and target allocation percentage.
- The calculator shows current %, drift from target, and buy/sell amounts needed.
- Adjust values to model different rebalancing scenarios.
| Asset Name | Current Value | Target % | Action |
|---|---|---|---|
About Portfolio Rebalancer
A portfolio rebalancer answers a simple question: given what you hold now and what you want to hold, what should you buy or sell to get back on target? You enter each asset as a row with three fields, the asset name, its current value in your portfolio, and the target percentage you want it to represent. The tool sums every current value to get your total portfolio size, then computes each asset's actual share of that total and compares it against your target. The whole table recalculates the instant you change any number, so you can model scenarios without pressing a button.
Two figures drive the output. Drift is the difference between an asset's current percentage and its target percentage; a positive drift, shown in orange, means the asset has grown beyond its target weight, while a negative drift, shown in blue, means it has fallen below. The buy/sell column shows the dollar amount needed to close that gap: it is the target value, your target percent times the total portfolio, minus the current value. A positive number in green is an amount to buy, and a negative number in red is an amount to sell. Together these tell you exactly how to move each position back to its intended weight.
The tool treats current values as the source of truth and keeps the total portfolio size fixed while reallocating within it, so the buy and sell amounts net out against each other when your targets are internally consistent. Rows left without a name are ignored, which lets you keep blank rows around as scratch space. It works for any mix of assets, not just crypto, so you can model a portfolio that blends coins, stocks, and cash by simply naming each line.
Because it works from the values you type rather than live market data, the numbers are only as current as your inputs; refresh them whenever prices move significantly. The tool does not account for trading fees, spreads, slippage, or the tax consequences of selling, all of which can make frequent rebalancing more expensive than it looks. It is a calculation aid, not investment advice, and the right rebalancing cadence depends on your goals and costs. Your holdings stay in your browser and are never sent to a server.
Frequently Asked Questions
- What is portfolio drift?
- Drift is how far an asset's current weight has wandered from its target weight. If you want an asset at 40 percent of your portfolio but a price rise has pushed it to 47 percent, it has drifted plus 7 points. Drift accumulates naturally because assets grow at different rates, and rebalancing is the act of trimming the winners and topping up the laggards to return to your plan.
- How is the buy or sell amount calculated?
- For each asset the tool computes a target value, which is your target percentage multiplied by the total value of all assets you entered, then subtracts the current value. A positive result is the dollar amount to buy to reach the target; a negative result is the amount to sell. The math assumes the total portfolio size stays the same and you are only shifting money between positions.
- Do my target percentages have to add up to 100?
- The tool does not force them to. It calculates each asset's target value independently from the total portfolio, so if your targets sum to less than 100 you will end up holding the remainder in cash, and if they sum to more than 100 the suggested buys will exceed your available capital. For a fully invested plan, make your targets add to 100.
- Can I use this for stocks or a mixed portfolio, not just crypto?
- Yes. The tool is asset-agnostic. The name field is free text and the values are plain numbers, so you can list coins, individual stocks, funds, and cash side by side and rebalance the whole mix. It simply reallocates within whatever total you enter.
- Does it account for trading fees or taxes?
- No. The buy and sell figures are the raw amounts needed to hit your targets and do not subtract exchange fees, spreads, or any capital gains tax you might trigger by selling. Those costs are real and can make small rebalances uneconomical, so weigh them before acting on the numbers.
- How often should I rebalance?
- There is no single right answer. Common approaches are calendar-based, such as quarterly or annually, and threshold-based, where you only act once an asset's drift exceeds a band like 5 or 10 percent. More frequent rebalancing keeps you closer to target but increases fees and potential tax events, so the best cadence depends on your costs and goals.
- Are the results live?
- No. The tool calculates only from the current values you type in. It does not connect to any price feed, so the moment prices move your inputs are stale. Update the current values when markets shift to keep the drift and rebalancing figures accurate.
- Is my portfolio data uploaded anywhere?
- No. All of the arithmetic runs in your browser as you type, and nothing about your holdings, asset names, values, or targets, is ever sent to a server.
Embed this tool on your site
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