A Portfolio Rebalancing Calculator
This tool is meant to help with re-balancing investment assets, and with building a tax efficient portfolio (in the U.S.). Periodically re-balancing keeps one's asset allocation (and exposure to risk) in a comfortable range, and works best when all investment accounts are treated as part of a single portfolio.
See the bogleheads wiki for info on
and for general investing suggestions.
For help classifying assets,
see this chart.
For help classifying accounts, see the first bullet in the list
How it works >
The total value of all accounts is determined, and is partitioned among the asset classes by percentage of the portfolio.
'Tax inefficient assets' are assigned to tax deferred accounts, then to tax free accounts, and finally taxable accounts.
'Foreign and tax-exempt assets' are assigned to taxable accounts, and any remaining allocation is postponed to the final step.
'All other assets' are assigned to tax free accounts, any remaining allocation is postponed to the final step, as well.
Any remaining asset value is distributed among the remaining accounts with available balances.
The result of this is displayed below in a table.
Helpful hints >
You can use the back and forward buttons as undo and redo.
To save your work, just bookmark this page in a state you'd like to preserve.
None of your input leaves this page, all calculations are done in-browser.
Desired Asset Allocation:
Tax inefficient assets
(Assets which primarily earn via non-qualified dividends):
Foreign and tax-exempt assets
(Assets eligible for a US tax credit on foreign tax,
or those which are entirely tax-exempt):
All other assets,
with highest expected growth at the top
(Assets which generally earn via qualified dividends and/or capital gains):
Tax deferred accounts:
Tax free accounts:
Suggested Asset Allocation: