Larger Portfolio Rebalancing Calculator
Gone beyond the Three-Fund Portfolio? Added REITs, small-cap value, international bonds, or a sector tilt? The more positions you hold, the harder it is to keep everything in line.
This calculator handles portfolios of any size. Enter your fund names, target percentages, and current balances — it tells you exactly what to buy and sell to get back on target. Use one of the presets to get started, or build your own from scratch.
Running a simple VTI/VXUS/BND setup? The Three-Fund Rebalancing Calculator is faster for that. Want to understand the why behind rebalancing? Read the full rebalancing guide.
Portfolio Rebalancing Calculator
Enter your target allocation and current balances for each ETF or fund. Add as many as you need. We'll tell you exactly what to buy or sell.
Name each holding, set your target %, and enter the current dollar balance from your brokerage.
Your Rebalancing Results
| Fund | Current | Target | Difference |
|---|
Buy or sell these amounts to get back to your target allocation.
💡 Inside a Solo 401(k) or Roth IRA, selling to rebalance has zero tax consequences — buy and sell away. In a taxable brokerage account, try directing new contributions toward the underweight funds to avoid triggering capital gains tax.
This calculator is for educational purposes only. Do your own due diligence.
Frequently Asked Questions
How often should I rebalance a larger portfolio?
Same as any portfolio — once or twice a year, or whenever a position drifts more than 5 percentage points from its target. More funds doesn't mean more frequent rebalancing. It just means more lines to check when you do.
Does rebalancing trigger taxes?
Not inside a Solo 401(k), Roth IRA, or HSA — trade freely with no tax consequences. In taxable accounts, selling appreciated positions creates capital gains. Consider rebalancing by directing new contributions into underweight positions instead.
What allocation should I use?
That depends on your age, risk tolerance, and timeline. If you're not sure where to start, the Three-Fund Portfolio is a proven starting point. This calculator comes with presets for a Three-Fund (65/25/10) and Four-Fund (55/25/10/10 with REITs) to give you a baseline.
Vanguard founder Jack Bogle:
“Don’t look for the needle in the haystack. Just buy the haystack.”
