Portfolio Rebalancing Calculator
Calculate how much to move between equity and debt to restore your target asset allocation after market movement.
Market gains and losses change your portfolio allocation over time. This calculator shows the rupee amount to move between equity and debt so the portfolio returns to the target split.
Calculate your result
Change the inputs on the left. Results update instantly on the right.
Rebalancing inputs
Why use the Portfolio Rebalancing Calculator
Rebalancing keeps risk aligned with the plan. Without it, a bull market can leave you overexposed to equity, while a fall can leave the portfolio too defensive after recovery opportunities appear.
Benefits at a glance
Clear action amount
See the rupee amount to move, not just the percentage drift.
Target equity and debt values
Know the exact allocation after rebalancing.
Useful after market moves
Check whether the drift is large enough to justify action.
How to use the Portfolio Rebalancing Calculator
- 1
Enter portfolio value
Use current market value of the investible portfolio.
- 2
Enter current equity percent
Use the current equity share after market movement.
- 3
Enter target equity percent
Use your desired strategic allocation.
- 4
Move the suggested amount
Shift between equity and debt if the drift is meaningful.
Assumptions and exclusions
- Only equity and debt buckets are modelled.
- Taxes, exit loads and transaction costs are excluded.
- Rebalance thresholds should consider product costs and tax impact.
Frequently asked questions
How often should I rebalance?
Many investors review annually or when allocation drifts by 5 percentage points or more.
Does rebalancing improve returns?
It mainly controls risk. Return impact depends on market path and taxes.
Should I use new investments instead of selling?
Yes, using new cash flows can reduce taxes and exit costs.
Final word
Use the rebalancing calculator before shifting money between asset classes. It turns allocation drift into a precise action amount.
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