# Portfolio allocation & rebalancing — no upload

> Calculate the trades to rebalance a portfolio back to target allocations from your holdings. Runs in your browser, no upload. Informational only.

Enter your holdings and target allocations to see how far you've drifted and what trades bring the portfolio back in line. It calculates on your device and is informational, not investment advice.

Over time, winners grow to dominate a portfolio and quietly raise its risk. Rebalancing sells a slice of what's grown and tops up what's lagged, restoring your intended mix. This tool turns that idea into a concrete trade list.

Mind the tax impact of selling in taxable accounts — check the Capital-gains estimator first. To measure the returns you're rebalancing, use the CAGR/XIRR calculator.

## How to

1. **Enter holdings.** Add each asset and its current value.
2. **Set targets.** Enter your target percentage for each asset.
3. **See the trades.** The tool shows the buys/sells to hit your targets.

## FAQ

### What is rebalancing?

Periodically buying and selling to restore your portfolio to its target mix after market moves have shifted the weights — it keeps risk aligned with your plan.

### How often should I rebalance?

Common approaches are on a schedule (e.g., annually) or when an asset drifts past a threshold; the tool shows current drift so you can decide.

### Is this investment advice?

No. It computes trades to match targets you set; it doesn't recommend an allocation or account for taxes and fees on sales.


## Related tools

- [CAGR & XIRR](https://www.safepaper.app/finance/returns-xirr)
- [Capital gains](https://www.safepaper.app/finance/capital-gains)
- [Dividends](https://www.safepaper.app/finance/dividend-tracker)
- [Net worth](https://www.safepaper.app/finance/net-worth)

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